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Research project

Digital Transformation of Micro-Enterprises in Ghana

Project overview

Micro-enterprises—such as street vendors, small-holder farmers and retailers—often build their businesses around direct interaction with their customers. Thus, their businesses were hit particularly hard by the COVID-19 pandemic. Access to digital payment services and social commerce channels go a long way to helping these entrepreneurs survive. Focusing on Africa, and using Ghana as a case study, this project will provide actionable recommendations on how micro-enterprises can adopt Fintech to be more resilient to the impact of COVID-19, or future contingencies, by changing how they traditionally work. Combining insights gathered in interviews with micro-enterprise owners and suppliers of digital payment solutions as well as secondary data on available and emerging Fintech solutions, the project will also understand unanticipated benefits and the support required from the government and the Fintech sector to help micro-enterprises.


Lead researcher

Dr PK Senyo

Associate Professor

Research interests

  • Artificial Intelligence (AI)
  • Digital Transformation and Innovation
  • FinTech
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