Author: Administrator

  • Samsung Galaxy S26 FE Delivering Latest Flagship AI, Camera Experiences

    Samsung Galaxy S26 FE Delivering Latest Flagship AI, Camera Experiences


    Accra, Ghana – August 27, 2026 – Samsung Electronics today announced Galaxy S26 FE, the newest addition tothe Galaxy S26 family and the first in the lineup to launch with One UI 9 — bringing the latest premium Galaxy experiences to more users from day one. With enhancedcamera capabilities and more context-aware Galaxy AI, it elevates how users capture, create and connect every day. Built around what users value most in a thin and lightdesign, Galaxy S26 FE carries the iconic Galaxy Sexperience forward.

    “Galaxy S26 FE is purposefully designed to deliver the signature strengths of the Galaxy S series, ensuring thatevery feature makes a meaningful difference in users’daily lives,” said Jay Kim, Executive Vice President and Head of Customer Experience Office, Mobile eXperience(MX) Business at Samsung Electronics. “Packed with beloved Galaxy camera and AI experiences, backed by the latest One UI 9, Galaxy S26 FE comes to life as an ideal choice for those who know exactly what matters most to them.”

    #GalaxyS26FE delivers a more capable camera experience from capture to edit, with an enhanced triple rear camera and advanced image processing that help users capture and refine the moments that matter —whether shooting still scenes or fast-moving action.

    My FanCam, first introduced on the latest Galaxy foldables, is now available on Galaxy S26 FE. It automatically tracks a selected person and keeps them centered, intelligently reframing video as the scene moves, so users can turn dynamic moments into social-ready content with less manual editing.

    For video, Super Steady with Horizontal Lock — a favorite among Galaxy S26 users — helps capture smoother, more level footage while filming fast-moving activities, travel moments and everyday scenes on the go. 

    Galaxy S26 FE supports 3x optical zoom, giving users more confidence when shooting from a distance. Nightography, a signature of the Galaxy S series, helps users capture bright and clear shots in low light, with detailpreserved even in the most challenging scenes.,

    Even after the moment has passed, Photo Assist makes it easier to refine images using natural language prompts – turning day into night, adding new elements or restoring missing parts. 

    With Gemini Omni, users can easily create and edit videos clips based on photo and videos from their Gallery, turning them into polished, ready-to-share videos.

    Powered by the latest One UI 9, Galaxy S26 FE brings a range of intuitive, context-aware Galaxy AI experiences that make daily life easier by adapting to users’ routines to keep them informed and organized. It also handleseveryday tasks faster and more seamlessly on user’s behalf.

    Galaxy S26 FE brings meaningful upgrades to the everyday essentials users rely on most — including a long-lasting battery and a bright display built for work, entertainment and creativity from morning to night. 

    Users choosing Galaxy S26 FE as their next device will feel the power of the Galaxy experience from day one. An improved Smart Switch helps users get set up more easily, making the move to Galaxy feel like a warm welcome. Meanwhile, long-term software updates and Samsung Care+ provide added confidence over time.

    Together, these enhancements deliver the Galaxy experiences users rely on every day in one thoughtfully crafted device.

    According to #SamsungGH, Galaxy S26 FE will be available in Ghana starting Monday 31st Aug in three colors: Blueberry, Graphite and Pistachio.

  • Say Cheers at 25 – A legacy of distinction, a future of timeless experiences 

    Say Cheers at 25 – A legacy of distinction, a future of timeless experiences 


    Established in 2001 with a clear strategic vision to elevate the wine and spirits experience in Ghana, Say Cheers, has over the years built a brand on expert selection, quality and consistency.

    What began as a personal conviction has evolved into a solid legacy built on taste, trust and an uncompromising commitment to quality. Over, the years, Nana Adwoa Konadu Karikari, the founder and CEO of Say Cheers, has built and sustained a brand with quiet consistency that has redefined industry standards, positioning Say Cheers as a trusted authority in premium beverages over the past two decades.

    Nana Adwoa realized early on that celebrations have been a part of the Ghanaian ethos and was fully convinced that introducing premium beverages would serve a triple purpose of building community, deepening experiences and providing a sustainable source of income. 

    “At the time, a golden opportunity presented itself. Appreciation for premium wines and spirits was gaining momentum. What I saw was a large gap in the market. Wines were being sold, but the market lacked businesses dedicated to delivering a premium wine experience. I believed customers deserved more than a transaction, they deserved an experience. Looking back, I realise that Say Cheers wasn’t born because I just wanted to sell wine, I desired to build something with purpose: a premium experience with wines and spirits.“

    At the core of the its value, Say Cheers believes in not just offering only the best drinks, but ensuring that every lifestyle experience moves us towards a higher level of luxury while creating memories for our clients.

    Say Cheers has grown not only in scale, but in depth, shaped by long-standing relationships with carefully selected vineyards and distilleries across Europe, Australia and South Africa and guided by a deep respect for craftsmanship. The essence of our service is a team which brings a high level of expertise grounded in the art of sommelier, understanding people, their tastes, moments and most importantly what matters to them.

    Say Cheers champions subtle excellence and prioritises consistency and trust over mere scale. Ultimately, it is intention rather than scale that defines our essence. Thus, every experience, every bottle, every drop is a testament to our commitment to excellence. Say Cheers!

  • How Gen Z and Millennials Are Redefining Saving and Spending – Through a Ghanaian Lens


    We are living through a fascinating financial era shaped by inflation, volatile markets, and rapid technological change. But beneath these macro shifts lies something more personal: a quiet revolution driven by young Ghanaians reshaping what it means to earn, save, and build wealth. 

    For many of us, financial freedom is no longer about climbing a corporate ladder for decades. It’s about flexibility. Multiple income streams, smart investing now, and crafting lifestyles that balance comfort, convenience, and independence.

    Melissa and her money habits

    Picture Melissa, 24, working in Accra. She has a regular job, but she doesn’t rely on that alone. She runs a weekend meal-prep side hustle that takes mobile money payments. She keeps an emergency buffer. Each month, she allocates part of her income into a local Money Market Fund and part into a Fixed Income Fund. 

    When she receives bonuses or gifts, she splits them, some into business reinvestment, some into long-term savings, and some into enjoyment. Her approach reflects a balancing act: protecting her future from inflation, growing her assets, but still living meaningfully today. It’s the kind of strategy many young people in Accra and beyond are quietly practising.

    Even so, KPMG 2025 report highlights that as many as 43% of Gen Z and 35% of Millennials in Ghana do not invest formally. Melissa represents the more financially engaged minority, pointing to what’s possible when young people build discipline around saving and investing.

    Hustle meets strategy: Rethinking income & work

    Walk through campus like the University of Ghana, Legon, UPSA or KNUST and the other tertiary campuses, scroll through Instagram or TikTok reels, and you’ll feel it: the new “youth economy” in Ghana is alive. Students run thrift shops online. 

    Tech-savvy creatives juggle freelancing gigs. Professionals manage side hustles via mobile money even as they keep a daytime job. Unlike previous generations that relied on a single paycheck for stability, we are blending formal employment with mini-businesses, ride-hailing, content creation, e-commerce, and more. 

    It is not only about earning extra; it also insulates against economic uncertainty. Inflation bites harder here than elsewhere, wages often lag rising costs, and opportunities shift quickly. Diversifying how you earn is not an option anymore; it is survival smart.

    The Economic backdrop: why youth finance looks the way idoes

    You cannot talk about how young people save and spend without considering the broader economic picture. Inflation has been one of the harshest realities. According to Ghana’s statistical and central banking agencies, inflation peaked in some periods above 50 per cent in recent years before moderating, and by the end of 2024, it remained elevated. 

    In 2025 through to March 2026, things looked very positive, as inflation had been declining. The latest inflation rate as of April 2026 was 3.4%.

    When inflation sits higher, then keeping your money safe means seeking options that beat that rate, whether through Treasury bills, short-term instruments, or entrepreneurial returns.

    Consequently, interest rates on short-term government securities that were yielding double digits have declined massively. For example, Treasury bill rates in some maturities that were around the mid-20 per cent range in recent yearshave dropped significantly, and current figures are 4.8% for a 91-day, 7% for a 182-day, and 10.1% for a 364-day. 

    Individuals have started to shy away from this safe space because they feel the returns from the government are currently too low and that they would prefer something morerewarding.

    Where Cedis Go: Investment Choices That Matter

    As earning habits evolve, where our money goes follows suit. More young Ghanaians are channelling funds into entrepreneurship, investing, and inflation-safe holdings rather than letting cash sit idle. 

    Many are launching side businesses. From weekend meal prep services ordered via mobile money to tutoring, thrift-reselling, or digital marketing. At the same time, investing in equities or unit trusts is gaining popularity: ownership in business, rather than just hoarding cash, is becoming part of the mindset.

    Risks and trade-offs: What you should watch out for

    Even as this new generation leans into entrepreneurship and investment, there are pitfalls. The line between investing and speculation can blur quickly, especially with hype around crypto, “fast-money” apps, or social-media-driven signals.

    KPMG’s findings echo these concerns, showing that affordability and trust issues make many young Ghanaians reluctant to take on financial risk, whether through loans or higherrisk investments.

    It is also easy to overcommit, like getting into too many side hustles, too little rest, or misreading risk. While social media can teach you new tools and ways to diversify and make good returns, it can also spread misinformation. That is why basic financial discipline still matters: build an emergency reserve, automate contributions to savings or investment accounts, diversify local and foreign exposure, and always do a sanity check before trusting “fin-fluencer advice.

    Building a sustainable soft life in Ghana

    At the end of the day, Gen Zs and millennials in Ghana are not rejecting saving; we are redefining it. Saving is no longer simply tucking money aside but rather deploying it intentionally across education, ventures, and asset growth that outpaces inflation. 

    Financial freedom becomes both a long-term goal and an evolving habit which leads to multiple income streams, continuous learning, and investment choices that bring both present enjoyment and future security. We are building a new version of the soft life’. 

    One rooted in discipline, curiosity, and purpose. As investment-minded Ghanaian youth, we understand that the smartest path is not chasing every trend, but mastering what we know, staying humble, and using our resources wisely. That’s how we quietly shape the future we want for ourselves, and for the generations to come.

    Emily Baaba Ahemah Dadzie, Senior Investment Advisor, Stanbic Investment Management Services

  • Financial Inclusion and Strategic Banking Innovation: Reimagining Access in Ghana

    Financial Inclusion and Strategic Banking Innovation: Reimagining Access in Ghana


    In today’s rapidly evolving financial ecosystem, financial inclusion can no longer be measured simply by the number of people who own bank accounts. Across the world, and particularly in emerging economies such as Ghana, the conversation has shifted towards ensuring that individuals and businesses have meaningful access to financial services that improve their lives, support their ambitions, and enable them to participate fully in economic growth.

    This reality calls for a strategic, innovation-driven approach to financial inclusion – one that responds to the complexities of modern life and addresses the unique challenges faced by underserved communities.

    The new face of financial inclusion

    Ghana has made remarkable progress in expanding access to financial services over the past decade. The growth of mobile money, digital payments, and fintech solutions has transformed how millions of people save, transfer money, and conduct business. Yet, despite these gains, a significant portion of the population remains underserved by formal financial systems. Geographic barriers, affordability challenges, varying levels of digital literacy, and trust concerns continue to limit participation, particularly among rural communities, informal sector workers, and small business owners.

    Addressing these challenges requires more than replicating traditional banking models. The future of financial inclusion lies in building intelligent and inclusive systems that meet people where they are. Agent banking networks, mobile-first platforms, digital wallets, artificial intelligence-driven customer solutions, and community-based financial tools all offer opportunities to bridge longstanding gaps in access.

    Ghana’s fintech ecosystem has already demonstrated how technology can help leapfrog traditional infrastructure constraints. Mobile money and USSD-based services, for example, have brought financial services closer to millions of people who may never have visited a bank branch. However, technology alone will not deliver sustainable inclusion. The next phase requires a strategic vision that combines innovation with trust-building, financial education, and a deep understanding of local realities.

    Why innovation must bstrategic

    Innovation, after all, is most effective when it is purposeful. The kind of innovation Ghana needs must be grounded in context and designed around the everyday experiences of the people it seeks to serve. Financial products and services should reflect local economic patterns, cultural behaviours, and the practical challenges individuals and businesses face.

    This means moving beyond one-size-fits-all solutions. A savings product designed for a farmer, for instance, should align with seasonal crop cycles and income patterns. Financing solutions for students could be structured to support educational achievement and long-term financial responsibility. Digital platforms can be designed to simplify access while providing users with greater transparency and control over their finances. These are not distant possibilities. They are practical innovations that can be developed and scaled through collaboration between financial institutions, fintech companies, regulators, educators, and community leaders.

    Equally important is the recognition that access alone does not constitute inclusion. True financial inclusion empowers people to make informed and confident financial decisions. This requires sustained investment in financial literacy, not only through formal education systems but also through community engagement initiatives that help individuals understand and navigate financial products and services.

    Trust remains a critical factor. People are more likely to adopt financial solutions when they understand them, see their value, and believe the institutions behind them have their interests at heart. Building that trust requires transparency, consistent customer engagement, and mechanisms that allow customers to provide feedback and shape the products they use. In many ways, trust remains the invisible currency that underpins successful financial inclusion.

    Beyond access, building financial confidence

    Looking ahead, Ghana’s economic resilience will depend significantly on how effectively it brings more people into the formal financial system. This requires banks to evolve beyond their traditional roles and become centres of innovation that continuously develop solutions for emerging needs. It also requires fintech companies to scale responsibly and inclusively, supported by enabling regulation and strong partnerships across the ecosystem.

    Most importantly, it requires investing in young people – notonly as users of financial services but as creators of the next generation of financial solutions. Their ideas, digital fluency, and entrepreneurial spirit will play a critical role in shaping the future of banking and financial access.

    Financial inclusion should no longer be viewed as an outreach initiative or a social obligation. It is a strategic imperative for national development. By unlocking greater participation in savings, investment, entrepreneurship, and commerce, inclusive finance can help drive productivity and shared prosperity across every sector of the Ghanaian economy.

    Inclusion must be strategic, and strategy must be inclusive. That is how Ghana can build a financial system that leaves no one behind.

    Joseph Cobbinah, Complaints Management & Information Analyst, Client Experience, Personal and Private Banking, Stanbic Bank Ghana

  • Beyond Borders: How CIPS and PAPSS Can Power Ghana’s Next Chapter of Trade

    Beyond Borders: How CIPS and PAPSS Can Power Ghana’s Next Chapter of Trade


    Every exporter or importer who has waited for days for a payment to clear or watched a shipment’s margin erode to a currency conversion, understands the truth that policy documents rarely capture: trade doesn’t fail at the border. 

    It fails in the payment. Goods can move freely across a continent, but if the money behind them takes a week and three intermediaries to arrive, that freedom means little. 

    This is the quiet problem Ghana’s next phase of trade growth depends on solving, and it’s why two systems with unglamorous acronyms, CIPS and PAPSS, deserve more attention in boardrooms than they currently get.

    The Cost of Doing Business Across Borders

    For years, Ghanaian businesses trading internationally have leaned on correspondent banking networks, chains of intermediary banks that route a payment from one currency system to another, usually settling in US dollars regardless of where the goods actually originate. Each link in that chain adds cost, time, and uncertainty. 

    Payment can take days to clear, exchange rates can move against a business mid-transaction, and visibility into where funds actually sit is often poor. For large corporates with treasury teams, this is manageable friction. 

    For small and medium enterprises, which make up the backbone of Ghana’s export base but rarely have the resources to hedge currency risk or absorb delayed settlement, it can be the difference between winning a contract and losing it to a competitor with faster, cheaper payment rails.

    Intra-African trade has suffered the same fate. Even between neighboring countries, payments have often had to be routedthrough currency conversions and external correspondent banks before reaching their destination, adding cost to transactions that should, in principle, be simple.

    Two Systems, Different Jobs

    PAPSS, the Pan-African Payment and Settlement System, and CIPS, China’s Cross-Border Interbank Payment System, solve different pieces of this puzzle. 

    PAPSS allows businesses to settle payments directly in local currencies across participating African markets, cutting out the need for multiple conversions and reducing reliance on correspondent banks altogether. That translates into lower costs, faster settlement, and far greater certainty for businesses trading within the continent. 

    CIPS operates on a different corridor entirely, giving Ghanaian businesses a more direct channel for Renminbi denominated transactions with China, Ghana’s largest trading partner. Fewer intermediary steps mean fewer points of failure and faster, cheaper settlement when trading with Chinese counterparts.

    Used together, the two systems don’t compete; they complement. One strengthens Ghana’s position within Africa, the other strengthens its connection to Asia and together they give Ghanaian businesses a more resilient, diversified way to move money that matches how they trade.

    Turning Policy into Practice

    The African Continental Free Trade Area promises a single market of over a billion people, but a single market only works if payments move as freely as goods do. PAPSS is the infrastructure that makes that promise practical rather than aspirational and its public launch in Accra, alongside Ghana’s role as host of the AfCFTA Secretariat, places the country at the center of that shift rather than on its periphery.

    The businesses best positioned to feel this shift are Ghana’s SMEs. For smaller importers and exporters, payment costs eat up a disproportionate share of every transaction, and slow settlement can tie up working capital they can’t afford to lose. 

    Faster, cheaper, more transparent payment rails give these businesses room to compete in markets that were previously too costly to enter, whether that’s a trader sourcing raw materials for manufacturing, an agribusiness reaching new export markets, a mining company settling with international partners, or a digital services firm delivering across borders. 

    The sectors that benefit most are, unsurprisingly, the ones most exposed to cross-border commerce in the first place.

    What Still Needs to Change

    None of this happens automatically. Technology can build the rails, but businesses still need to know how to use them. That means boards and management teams treating payment infrastructure as a strategic lever for growth rather than a back-office banking function, and it means stronger treasury capabilities and digital literacy across the business community. 

    Regulators, banks, fintechs, and trade bodies all have a role to play in closing that gap, and banks in particular carry real responsibility here: educating clients, supporting onboarding, structuring trade finance, and helping businesses navigate the compliance and foreign exchange requirements that come with any new payment channel. 

    Interoperability between banking systems and regional networks, alongside continued vigilance on cybersecurity and anti-money laundering compliance, will determine how smoothly this infrastructure scales.

    Ghana’s Next Chapter

    Ghana already sits in a strategically valuable position: home to the AfCFTA Secretariat, an early adopter of PAPSS, and one of the African markets live on the CIPS rail. 

    If the country continues building out this payment infrastructure with the same intent it has shown so far, the destination is a Ghana that trades more competitively across Africa, settles more efficiently with Asia, and attracts the kind of regional treasury and headquarters functions that come with a genuine financial hub status. 

    Trade agreements open the doors. Payment systems are what let businesses actually walk through them. Ghana has an opportunity most countries on the continent don’t yet have, and the work now is making sure its businesses are ready to use it.

    Kate Agamah, Head, Transaction Banking, Corporate and Investment Banking, Stanbic Bank Ghana.