Digital Payment Adoption Statistics in Ghana (2026)
According to World Bank Global Findex data, 80.4% of adults in Ghana made or received a digital payment in 2024. Up from 65.6% in 2021 to 80.4% in 2024 (+14.8 percentage points). Ghana ranks #2 of 36 economies in Sub-Saharan Africa on this measure, and #47 of 142 globally.
Key Statistics
- Latest value (2024)
- 80.4% (2024)
- Digital Payment Adoption in Ghana as of 2024, the most recent observation in World Bank Global Findex data.
- Change since 2021
- +14.8 pp (2024)
- Up from 65.6% in 2021 to 80.4% in 2024 (+14.8 percentage points).
- Earliest value in this dataset (2014)
- 25.5% (2014)
- Earliest observation in this dataset, which covers 1990 onward (the source series may begin earlier). Up from 25.5% in 2014 to 80.4% in 2024.
- Record high (2024)
- 80.4% (2024)
- The 2024 value is the highest in the available World Bank Global Findex series for Ghana.
- Rank in Sub-Saharan Africa
- #2 of 36 (2024)
- Ghana ranks 2 of 36 countries in Sub-Saharan Africa with data, based on each country's latest value.
- Global rank
- #47 of 142 (2024)
- Ghana ranks 47 of 142 countries with data globally.
- Sub-Saharan Africa average
- 49.2% (2024)
- Ghana (80.4%) is above the average of 49.2% across the 36 countries in Sub-Saharan Africa with data.
- Among women (2024)
- 77% (2024)
- Value for women in Ghana, same 2024 World Bank Global Findex data.
- Among men (2024)
- 84% (2024)
- Value for men in Ghana, same 2024 World Bank Global Findex data.
- Gender gap (women minus men)
- −7 pp (2024)
- In 2024, the figure was 77% for women and 84% for men — 7 percentage points lower among women.
- In rural areas (2024)
- 74.9% (2024)
- Value for rural residents of Ghana in 2024.
- Rural gap vs national
- −5.5 pp (2024)
- Rural residents (74.9%) are 5.5 percentage points below the national figure (80.4%).
- Among the poorest 40% (2024)
- 69.1% (2024)
- Value for adults in the poorest 40% of households in Ghana in 2024.
- Poorest-40% gap vs national
- −11.3 pp (2024)
- The poorest 40% (69.1%) are 11.3 percentage points below the national figure (80.4%).
- Made a digital payment (% age 15+) (2024)
- 78.9% (2024)
- Related indicator from World Bank Global Findex.
- Received digital payments (% age 15+) (2024)
- 61.8% (2024)
- Related indicator from World Bank Global Findex.
- Internet use in Ghana (2024)
- 72.2% (2024)
- 72.2% of the population in Ghana used the internet in 2024 (World Bank); shown for context only.
- Population (2024)
- 34.4 million (2024)
- Ghana had a population of 34.4 million in 2024 (World Bank); shown for scale only.
Trend, 2014–2024
| Year | % of adults (age 15+) | Change |
|---|---|---|
| 2024 | 80.4% | +14.8 pp |
| 2021 | 65.6% | +16.1 pp |
| 2017 | 49.5% | +23.9 pp |
| 2014 | 25.5% | — |
Frequently asked questions
What share of adults in Ghana made or received a digital payment?
80.4% of adults in Ghana made or received a digital payment in 2024, according to World Bank Global Findex data.
Where does the digital payment adoption data for Ghana come from?
The data comes from the World Bank Global Findex (indicator g20.any). The latest observation for Ghana is from 2024; the snapshot was retrieved on 2026-06-10.
How has digital payment adoption in Ghana changed over time?
World Bank Global Findex data show a rise from 25.5% in 2014 to 80.4% in 2024.
Source & methodology
Source: World Bank Global Findex, indicator
g20.any, retrieved .
Figures are shown exactly as published in the source dataset; only the change column of the trend table is computed from adjacent published values.Read more on the methodology page. All figures are estimates and projections; this is not financial advice.
Last updated .