MTN is phasing out scratch cards from the market. Their reason? To minimize contact, a major way through which COVID19 spreads. Instead, subscribers will have to use either mobile money (momo) or the credit transfer system in purchasing airtime.

Beyond that though, by their sheer scale and reach in Ghana, this single action has big implications for Ghana’s Telco market (users, agents, MTN and other competitors). I expand on that and more here.

In a small way, this phase-out isn’t restricted to MTN. …

Telcos in Ghana reacted to COVID19 by removing mobile money transaction fees for GHS100 and below.

Then Vodafone went a step further: they removed fees from all transactions to all networks.

The reaction online was swift:

It appeared though that some wondered what Vodafone was trying to achieve here:

To which I said:

I want to expand a bit on that here.

Basically, VodaCash is leaning into users sending any amount for free, instead of worrying about users splitting their transactions into multiples of GHS100 or below to avoid paying fees. …

It’s fun to imagine prepaid airtime cards as flyers which Telcos have strategically placed their agent networks to distribute.

Within this context, Telcos are then intentional about information placed on them and its overall design to communicate that message. I teased out some interesting strategies they used for this specific reason.

Telcos leverage scratchcards beyond showing airtime value

Take MTN as an example:

There’s a clear emphasis on promoting their mobile app.

It does make you wonder why Glo isn’t putting their competitive data offerings in front. Instead, the USSD code to those deals is behind the card. …

Football leagues handled halting due to COVID in different ways: Rwanda and Kenya cancelled their leagues and declared the team leading the League Table at the time as Champions.

The Ghana Football Association (GFA) cancelled the entire Ghana Premier League (GPL) season without declaring a winner or relegating any team.
In Italy, the Serie A halted and later restarted the league. However, one of their backup plans was to use a system to determine the final league standings in case the league was halted again due to COVID19.

Instead of cancelling the league, if the GFA had used a similar…

According to McKinsey, consumers worldwide have been increasingly using digital channels, products, and services due to the pandemic. You can expect merchants to meet customers along these channels.

Interestingly, the Ghana Statistical Service (GSS) surveyed firms to understand how they responded to the pandemic (business confidence, jobs, digital solutions being used etc).

The section on digital solutions caught my attention because it provides a sense of the extent to which businesses (small, medium & large) have adopted mobile payments to meet customers along these channels whiles maintaining social distancing.

Their research shows that in every 3 firms, 1 of them…

Imagine you’re watching Maddison take a corner for Leicester City vs Man City, and just before he does, he raises his left hand like this:

By raising his left hand, can you tell which zone he’ll target with his corner?

In this article, I analysed Man City to get a good understanding of how they use hand signals to communicate during corners. …


In 2018, mobile money users in Ghana transacted GHS 94 on average according to BoG’s figures. Mobile money interoperability was launched within the same year, which I wrote about here.

The new BOG figures got me thinking along the lines of: If as a mobile money user, you’re transferring about GHS95 on average in mobile payments, how much are you most likely to be paying in fees over time? If your thinking is that it’ll depend on the Telco network used by both the sender and the receiver, you’re right.

As a mobile money user in Ghana, an answer to…


These days, September has become the month where there’s so much confusion around how thousands of Junior High School (JHS) students are not placed into Senior High Schools (SHS) in Ghana.

At the centre of this annual confusion is the CSSPS algorithm which the Ghana News Agency (GNA) captured in the quote below:

Some parents in an interview with the Ghana News Agency (GNA) expressed their frustrations over the challenges they were going through over the inability of the Computerised School Selection and Placement System (CSSPS) to allocate schools to their wards.

Source: GNA

There’s a lot to unpack here…

On 10th May 2018, Mobile Money Interoperability was officially launched in Ghana. This means that you can now transfer mobile money across networks at a fee.

I wrote part of this piece a few days after the launch because interoperability brought up some interesting questions for me. Since then, significant things have happened within the space which meant I’ve had to re-analyse some portions. About 3000 transactions were made on the first day. By the end of August, it had reached 800, 000 transactions. Most importantly though, since then AirtelTigo merged their mobile money platform.

The Finals of the 2018 National Science and Math Quiz (NSMQ) was a rather thrilling and close contest. It featured West Africa SHS (WASS), Adisadel College (ADISCO) and St. Peters SHS (PERSCO). At the end of the contest, St. Peters emerged winners. It ended 45 PERSCO, 44 WASS and 39 ADISCO.

Source: NSMQ

There was a dramatic end to the Finals with what looked like a last minute rally from WASS, only for PERSCO to snatch it in the 5th and Final Round. After the Quiz Mistress, Dr. Elsie Kaufmann announced the result for the 3rd round, ADISCO had won the first…

David Quartey

Analysis on Ghana relevant issues - Farming - Economics - Statistics. Also blog on You're awesome!

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