Ghana Edition

17 November 2026, Accra

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BY INVITATION ONLY

10DX Summit Ghana Edition

Ghana operates inside the most mobile-money-dominant banking ecosystem in Africa. The strategic question is no longer how banks compete with mobile money, but what the bank actually owns once the wallet becomes the primary rail.

Mobile money processed more than GH¢518 billion across 982 million transfers in a single month during 2025, dwarfing interbank payment volumes, while financial inclusion has climbed above 80%. Around that reality, the regulatory perimeter has shifted as CISD 2026 redraws cyber, AI, and data sovereignty obligations across the sector.

The bank is now operating inside a financial system where it does not fully own the dominant rail. Ghanaian banking is moving from mobile-money-led inclusion towards intelligent banking — regulated, interoperable, real-time infrastructure where data, AI, and automation determine who builds and owns the customer relationship.

That reality now defines the agenda for 10DX Summit Ghana in Accra, where senior banking and technology leaders will examine banking inside mobile-money rails, AI under the CISD governance regime, credit economics after the NPL cycle, and the decisions redefining the role of the bank in Ghanaian finance.

WHAT TO EXPECT

Event in Numbers

Attendees
75+
Banks & FIs
25+
Speakers
20+
Sponsors
10+

JOIN THE TRIBE

WHO ATTENDS

CEO/COO/GM
Head of Innovation
Chief Data Officer
CIO/CTO
Head of Transformation
Head of Payments
Chief Digital Officer
CISO
Head of CX

SHAPE THE FUTURE

Why Attend

Trailblazing Content
Hear new ideas and learn about the latest trends and innovations reshaping the banking landscape.
Game-changing Solutions
Meet solution providers, soak in the innovation and discover new ways to future-proof your business.
High-Impact Networking
Network with the industry's movers and shakers and share real-world knowledge and experiences.

2026 Agenda

5 MARCH 2024

0800 - 0900

Registration

0900 - 0905

Opening Remarks

0905 - 0935

From Banking-Led to Mobile-Money-Led: Where Ghanaian Banking Goes Next

The structural position of Ghana's banks has changed. Mobile money handles seven times the volume of the interbank rail, financial inclusion runs through wallets rather than branches, and the CISD 2026 has redrawn the cyber, AI, and data sovereignty perimeter. For senior banking leadership, the question is no longer whether the customer interface is changing — it is what the bank's competitive position actually is from here.
  • Mobile money is the primary rail and the bank is now the secondary one. What does the bank's strategic posture look like from inside that reality?
  • The CISD 2026 reshaped the cyber, AI, and cloud sovereignty perimeter overnight. What does that change about the bank's technology roadmap this year?
  • NPLs remain well above the BoG's 10% target. What does the bank's credit architecture actually need to look like to hit that bar?
  • BoG has positioned AI and real-time infrastructure as the next operational layer. What does intelligent banking in Ghana actually look like in practice?

0935 - 0950

How We Solved...

A practical case study on a real industry challenge, the approach taken, and results achieved.

0950 - 1020

The Bank on Someone Else's Rail: When Mobile Money Owns the Customer

A single operator handles 73% of Ghana's mobile money volume and captures 89% of the revenue. Wallets, the customer relationship, and the day-to-day financial experience sit outside the banking system. The banks' shared mobile wallet through GhIPSS has struggled for adoption since 2022. The question is no longer how the bank competes with mobile money — it is what the bank does when the rail is permanent.
  • Deposit, payments, and acquisition channels increasingly run through a wallet the bank doesn't own. What does the bank's integration architecture have to deliver?
  • Mobile money wins on speed, simplicity, and trust at transaction level. What does the bank's experience architecture need to outperform from here?
  • A single operator dominates 73% of mobile money volume. What does the bank's commercial posture look like when bargaining power has shifted that far?
  • Regional wallets and remittance corridors are scaling across West Africa. Where does the bank's competitive position sit when payments cross borders through wallets?

1020 - 1025

The Room Speaks: Morning Pulse

A live audience pulse check capturing the priorities, pressures, and challenges shaping banking transformation today.

1025 - 1105

Networking Break

1105 - 1135

Credit After the NPL Cycle: Rebuilding Decisioning at Industry Scale

Ghana's NPL ratio improved to 18.9% in 2025 but remains nearly double the BoG's 10% target. The macroeconomic recovery has stabilised the sector, but the credit architecture that produced the last NPL cycle has not been rebuilt. Under the CISD 2026, AI in credit decisioning is now a governance-regulated function. The question is how the bank builds credit economics for the next decade rather than the last one.
  • The bank's credit decisioning has to hit a 10% NPL target while expanding lending. What does the underwriting and monitoring architecture actually need to deliver?
  • AI in credit decisioning is now governance-regulated under the CISD 2026. What does the bank's model risk function need to look like at production scale?
  • Mobile money data is the largest behavioural dataset in the country. What is the bank's credible alternative data strategy from here?
  • SME and informal sector lending sit between the bank's risk appetite and the country's growth requirement. What does the bank do to bridge that gap?

1135 - 1150

How We Solved...

A practical case study on a real industry challenge, the approach taken, and results achieved.

1150 - 1220

The Payments Stack: Open Banking, eKYC, and What Comes Next

The National Payment Systems Strategy 2025-2029 sets open banking, eKYC built on the Ghana Card, and the next phase of interoperability as the architecture for the next five years. PAPSS is scaling cross-border, and stablecoin usage is rising in trade settlement outside the regulated perimeter. The bank's payments revenue model is no longer protected by exclusive access to the rails underneath it.
  • Open banking and eKYC reshape what third parties can do on the bank's accounts. What does the bank's monetisation architecture need to look like from here?
  • The Ghana Card eKYC enables instant onboarding across the sector. What does the bank's customer acquisition stack actually need to deliver against that?
  • Stablecoin and crypto rails are growing outside the bank's perimeter. What does the bank do when settlement starts moving in those corridors?
  • PAPSS and regional integration are accelerating ahead of harmonisation. What does the bank's correspondent and cross-border architecture need to enable?

1220 - 1235

How We Solved...

A practical case study on a real industry challenge, the approach taken, and results achieved.

1235 - 1305

AI in Production: What's Actually Moving Under CISD 2026

Ghanaian banks are investing in AI across fraud detection, credit scoring, customer service, and operations. The CISD 2026 has now made AI a governance-regulated function — transparency, fairness, and security have to be demonstrable. Cloud sovereignty rules require core systems and sensitive data to remain inside Ghana. The question is not whether AI works — it is what is shipping under the new governance regime.
  • The CISD 2026 requires demonstrably fair and transparent AI in credit and fraud. What does the bank's model governance function need to look like in practice?
  • Core systems and sensitive data must now reside within Ghana. What does the bank's cloud and infrastructure architecture have to deliver to comply?
  • CISD 2026 adds governance requirements at the production gate. Where does that change the bank's pilot-to-production path in practice?
  • AI needs data, integration, and operational ownership pilots rarely require. Where is the bank's foundation ready, and where is it the blocker?

1305 - 1320

How We Solved...

A practical case study on a real industry challenge, the approach taken, and results achieved.

1320 - 1350

The Security Agenda: CISD 2026 and the Threat Environment

Ghana recorded 2,008 cyber incidents in the first half of 2025 alone — a 52% jump on the prior year. The CISD 2026 has elevated cyber resilience to a board-level governance requirement, expanded FICSOC to non-bank institutions, mandated AI/ML governance, and drawn a hard line on cloud data sovereignty. The regulatory bar is higher, the threat surface is wider, and the defence sits inside each bank.
  • The CISD 2026 makes board-level cyber accountability mandatory. What does the bank's cybersecurity governance actually need to look like in practice?
  • FICSOC now extends across the full financial ecosystem including fintechs. What does the bank's role in collective defence actually need to deliver?
  • Mobile money fraud and SIM-swap attacks sit largely outside the bank's perimeter. What controls — internal or partnered — are genuinely reducing exposure?
  • Deepfake and AI-generated social engineering are scaling fast. What does the bank's authentication and detection stack need to look like soon?

1350 - 1355

The Room Speaks: Closing Pulse

A final audience reflection measuring how perspectives shifted across the day's discussions and debates.

1355 - 1400

Closing Remarks and End of Summit

1400 - 1445

VIP Networking Lunch

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THE INDUSTRY'S TOP VOICES

Series Speakers

Uzairah Abdulhameed
Consultant, Cyber Security
Arab National Bank
Fatimah Alakeel
Asst Professor, Cybersecurity
KSU-CCS
Faisal Al-Ghefari
Chief Compliance Officer
Bank of China KSA
Ayman AlHabib
Chief Risk Officer
D360
Ahmad AlHassan
CISO
Confidential (Stealth Mode)
Dr Abeer Al Humaimeedy
Vice Dean
KSU-CCIS
Nadir Ali
Global Fintech Advisor
Confidental
Nada Al Jeffri
Chief Risk Officer
Standard Chartered Bank
Hussam Alkokhon
Head of Trade Finance
CQUR Bank
Fares Al Omari
VP, Risk Management
Riyad Bank
Ibraheem Alsaab
AVP, Innovation
The Saudi Investment Bank
Ahmed Darwish Alsayed
Head of Digital Delivery
Bank Albilad
Abdullah Alwabel
Head of Retail Digital Banking
BSF
Mamdoh Alzhrani
CISO
A Leading Saudi Bank
Saad Ansari
Co-Founder & CEO
Xpence
Sarah Asiri
Senior Manager, Cyber Security
SAB
Islam Nabil Awad
Manager Solutions Architecture
BSF
Amol Bahuguna
Head of Corporate Innovation
Riyad Bank
Talha Bin Hafeez
Head of Innovation
Saudi Credit Bureau (SIMAH)
Neal Cross
Co-Founder & Chairman
PictureWealth
Debashis Dutta
Advisor
Confidential
Michael Harriman
Senior Advisor - IT
Redwood Bank
Kashif Iqbal
Open Banking & BaaS Consultant
A Leading Bank
Rizny Ismail
Head of Cards Business
Qatar Islamic Bank
Prasad IVS
Head Transaction Banking
Commercial Bank Qatar
Fahad Jaffery
Head of Technology
Tiqmo
Rami Al-Kilani
CTO
Safwa Islamic Bank
Renier Lemmens
Board Chairman
TransferGo
Amit Malhotra
Global Head of Retail Banking
ADIB
Emmanuel Manyonganise
Head of CX & Digital Transformation
A Leading Bank
Faran Niaz
Director, Customer Experience
Hala
Reda Oummouy
Chief Marketing, Sales & Innovation Officer
Adria B&T
Ladle Patel
Senior Advisor, Analytics
ANB
Abbas Raza
Product Owner
The Saudi Investment Bank
Ali Saleh
Head of Customer Experience
Gulf International Bank
Rezwan Shafique
Principal, Global Financial Services
Arthur D. Little
Zaheer Shaikh
CISO
Al Maryah Community Bank
Archana Shetty
VP - IT Projects
QNB Group
Tamer Yousry Therwat
Head of Governance & Architecture
Qatar Development Bank
Nabeel Wyne
Senior Director
Capgemini

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