In most African countries, the penetration of mobile money has taken center stage in order to facilitate exchanges and commerce while creating greater convenience. But it faces challenges that require government intervention.

A significant percentage of the Ghanaian population still does not have access to or the ability to take advantage of what is offered, although the country has made great progress in opening up access to financial services through its program to adapt financial inclusion policy. For this reason, the Ghana International Conference on Trade and Finance (GitFic) has therefore suggested that African governments, businesses, and individuals interested in adopting mobile payment systems find ways to encourage consumers to accept mobile payment as a payment option.

For these governments, this can be done by adjusting their cash or card payment method to payment via mobile phones. In reality, these recommendations were part of research conducted by GitFic in Ghana and Kenya. They indicated that consumers attached great importance to safety as a key factor in consumers' acceptance of new technologies.