COVID-19 | Official online Resource and News Portal. For more information, visit

MTN MoMo Pay Merchant Payments: Expanding Women’s Mobile Money Use in Ghana

Access to financial services can be a critical driver of economic growth and opportunity. In Ghana, mobile money has opened access to financial services for millions of people for the first time, strengthening the payment ecosystem and deepening financial inclusion. Despite its capacity to widen access to financial services, mobile money has not proven to be equally accessible for women in Ghana.

This case study conducted by GSMA assesses the impact of MoMo Pay on female merchants and customers in Ghana. It also includes key takeaways relevant for other mobile money providers interested in using a merchant payment service to expand women’s mobile money uptake and use, and to reduce churn


The GSMA represents the interests of mobile operators worldwide, uniting more than 750 operators with over 350 companies in the broader mobile ecosystem, including handset and device makers, software companies, equipment providers and internet companies, as well as organisations in adjacent industry sectors. The GSMA also produces the industry-leading MWC events held annually in Barcelona, Los Angeles and Shanghai, as well as the Mobile 360 Series of regional conferences.