Ghana Card to Feature E-Wallet for Direct Financial Transactions

The National Identification Authority (NIA) has announced plans to integrate an electronic wallet (e-wallet) feature into the Ghana Card, enabling cardholders to load funds and carry out financial transactions directly using the card.

Executive Secretary of the NIA, Mr. Yayra Korku Deku, disclosed this initiative during an interview with Joy News’ James Avedzi. According to Mr. Deku, the introduction of the e-wallet is part of broader efforts to enhance the card’s functionality, improve service delivery, and generate revenue to support the Authority’s operations.

“What it means is that you can put money on your Ghana Card and use it to pay for goods and services. We are optimistic that this initiative will bring in substantial revenue,” Mr. Deku stated.

He further revealed that several financial institutions have shown keen interest in supporting the rollout.

“We’ve received proposals from banks interested in hosting the e-wallet service. However, our objective is to develop a unified platform that can accommodate multiple financial institutions,” he explained.

In addition to financial transactions, the NIA is considering strategic partnerships to further expand the card's uses. One such area is tokenization—where digital assets can be linked to the Ghana Card to facilitate secure and verifiable transactions.

“Institutions such as the Gold Board are exploring tokenization initiatives. We’re positioning the Ghana Card as the authentication tool for such transactions,” he added.

Mr. Deku also highlighted the Ghana Card's technological features, noting that it currently supports three major digital profiles:

E-ID (for identification),
E-Passport (already active for international travel), and
E-Wallet (soon to be launched).

“The e-passport function is already in operation. Our next focus is activating the e-wallet, which will allow users to store money and make payments directly with their Ghana Card,” he emphasized.

The implementation of the e-wallet feature represents a significant step in Ghana’s digital transformation agenda, aiming to enhance financial inclusion, reduce cash dependency, and strengthen national infrastructure through innovative technology.

Source: mynewsgh

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