AI is Reimagining customer trust in Ghana’s Digital Finance sector
In the financial technology sector, where vendors and customers rely on mobile payment systems and customers navigate multiple fintech apps to complete their purchases, trust is the invisible currency that powers Ghana’s digital economy. But when that trust is shaken by fraud, failed transfers, or disappearing wallets, confidence diminishes, leading to a slowdown in growth for the FinTech companies and this affects solutions that this technology breeds for a seamless economy.

This is the gap Chandra Kodete, a fintech innovator and AI software engineer, sets out to bridge. With his creation of the free and easy to use- FinCheckAI, he is quietly rewriting the rules of digital finance in Ghana by answering a simple but powerful question: Can we check for the safety of our financial services?

“We don’t just want people to use fintech platforms because they need to,” Chandra explains. “We want them to be able to trust them even as cybersecurity breach incidents increase. We want the mother in Kumasi or the trader in Tamale to know which app is safe to transact before she taps send.’”

For verification, FinCheckAI assigns a dynamic trust to the digital finance platforms. It evaluates them based on real-time data: user complaints, fraud patterns, regulatory compliance, even security vulnerabilities found in public scans. The result? A snapshot of credibility that anyone can use as an assessment before handing over their money trusting the technology to deliver.

In just a few months, Ghanaians have used the platform to check the safety of mobile money apps, online banks, and crypto wallets. Fintech startups now use the platform to audit their own reputations. And for the first time, ordinary users are feeling empowered to choose trust over chance.

For Abena Kweku, a university student in Cape Coast, that trust made all the difference. “I almost paid my school fees through an app I hadn’t used before,” she recalls. “But I checked FinCheckAI and saw that this app had a low trust Score and several scam alerts. I found a better-rated option and avoided losing everything. I will be graduating in a few months because I had someplace to double check the transaction safety”

FinCheckAI is not just a consumer tool. Financial institutions, digital lenders, and remittance services are using it to clean up their operations: fixing compliance gaps, improving user protections, and rebuilding damaged reputations. By scoring and exposing risk in a transparent way, the platform is quietly pushing the fintech sector toward higher standards.

The technology’s strength lies in its deep, AI-powered context. Unlike static review sites or basic compliance lists, FinCheckAI continuously learns. It adapts to evolving scam tactics, local nuances, and the unique threat landscape of each country it operates in. In Ghana, where fake loan apps and SIM swap fraud have been rising, that adaptability is crucial.

It’s also environmentally friendly in a way few would expect. By helping users avoid fake apps or insecure platforms, FinCheckAI reduces the demand on backend infrastructure caused by failed or malicious transactions, cutting energy waste in server networks and mobile operations.

Chandra’s vision is rooted in years of AI research, yet it remains practical and focused on real-world impact. It’s deeply human. “The pain points are real: lost savings, stolen data, broken trust,” he says. “This isn’t just another financial tool. It’s a safeguard for people’s financial futures and a stand for their dignity.”

As Ghana continues its digital finance boom, tools like FinCheckAI are becoming indispensable. They empower transparency and inspire trust. By turning real-time insights into action, FinCheckAI is helping financial platforms improve and guide users toward safer, smarter financial choices. And in doing so, they help build a financial future where trust isn’t assumed. It’s earned, checked, and verified.