The government is developing a new plan to help Ghanaians save money, manage their daily expenses and become more financially secure.

The plan, known as the National Financial Inclusion and Development Strategy (NFIDS) 2027–2031, will focus on making financial services more useful to ordinary Ghanaians rather than simply encouraging people to open bank and mobile money accounts.

Under the strategy, more attention will be given to helping individuals and businesses access affordable loans, build savings and prepare for unexpected financial difficulties.

Deputy Minister for Finance, Thomas Nyarko Ampem, announced this during the launch of the process to develop the strategy at the Ministry of Finance.

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Nyarko Ampem explained that although Ghana has made progress in expanding access to financial services, many people still struggle to manage their finances.

According to the World Bank's Global Findex 2025, more than eight in 10 Ghanaian adults have financial accounts. However, the 2021 FinScope Survey found that only 22% were financially healthy.

"We have become good at opening accounts. We must now become better at making accounts improve lives," he said.

The new strategy will focus particularly on women, young people, farmers, small businesses and workers in the informal sector who often face difficulties accessing suitable financial services.

It will also promote financial education, digital financial services and stronger protection for customers.

The Deputy Minister stated that the government intends to establish a Financial Inclusion Council to ensure that the institutions responsible for implementing the strategy work together effectively.

A new Financial Health Framework will also help measure whether households can pay their bills, save money and cope with unexpected expenses.

Nyarko Ampem added that the government wants to expand investment opportunities for Ghanaians through improvements in the financial sector and the use of new technologies.

He noted that Ghana's economy grew by 6.2% in the first half of 2026, while inflation declined to 5.5% in October 2026.

The strategy is being prepared by a National Technical Committee involving the Ministry of Finance, financial regulators and other stakeholders.

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It is expected to be officially launched in the first half of 2027, with the government calling on banks, insurance companies, fintech firms and development partners to support its implementation.

The government hopes the strategy will help more Ghanaians become financially secure, grow their businesses and improve their living standards.

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