The Bank of Ghana (BoG) has identified 20 mobile loan applications operating without the required licence or authorisation to provide digital credit services in Ghana.
The central bank said the identified applications are operating in breach of the Directive for Digital Credit Service Providers in Ghana, issued in September 2025.
The applications are Agile Loan, AmanaPay, CashWay, Foutou Credit, HastyCredit, InsCash, KudiNow, LendAura, Lever Credit, LoanGlide, NovaCedi, Palm Loan, PocketLoan, Rite Credit, SikaCare, SikaNow, Susu Loan, Taploan Up, Temivo Cedi and Zatuloan.
According to the BoG, the operations of the identified providers involve violations of customer data privacy, consumer protection requirements and other regulatory standards.
The central bank has advised the public not to engage with digital lenders operating without the required authorisation.
It has also cautioned banks, specialised deposit-taking institutions and payment service providers against facilitating or processing transactions on behalf of unlicensed loan providers.
The BoG said it would continue working with relevant state institutions to identify and investigate unlicensed digital credit providers and take appropriate enforcement action.
It said the measures are intended to protect consumers and maintain the integrity, safety and stability of Ghana’s financial sector.
Members of the public who become aware of the activities of unlicensed digital credit providers have been encouraged to report them to the BoG.
