The exponential growth of digital banking in Ghana, with Felix Duku

Well, let me paint a picture of the banking landscape at that time, the banking landscape in the 90s in Ghana, West Africa, we were just beginning to wake up to the advantages that digitization could bring in terms of transforming from manual processes to technology-based processes. And more of automating the manual process, rather than looking at the processes end-to-end and transforming them. Very, very basic accounting, very basic bookkeeping, and all of that.

And nothing really digital as we know it today, because still if you wanted a banking service, you had to go to the bank physically, all that really had to change was that we're able to do a lot of transactions in a shorter period of time. And our books were more accurate.

But by the mid-1990s, I had started getting a little adventurous with what we could do with the technology stack that we had.