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Is unbanked Ghana really looking for cashless society?





Globally, countries are experiencing a rapid expansion of digitisation and technological advancements that touch on nearly all aspects of life.

In general, the surge in digitisation has improved operational efficiency and service delivery in all the key sectors of public and commercial importance – from manufacturing and industry, to business and commercial operations, agriculture, health, education and finance.

Where the debate does exist, it highlights the growing tension between an evolving consumer payments landscape, a desire for increased business efficiency, and a growing concern that unbanked and underbanked consumers may be marginalised in a cashless economy.

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The cashless society from an ethical point of view

The debate about the move towards a cashless society has been at the center of the scene for several years, now. Various angles have been taken by economists, politicians, banking institutions and sociologists. Beyond the technicalities of the debate, lies the question of freedom, of inter-citizen solidarity and of governmental responsibility. The debate cannot remain in the hands of financial specialists, it is first and foremost an ethical, political and societal issue.










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