According to him, the Ericsson-powered platform stands among the most advanced in the mobile financial services industry, with robust architecture built to guarantee the confidentiality, integrity, and availability of customer data.

“Our systems are powered by Ericsson — one of the most robust and secure platforms in the world,” he said.
“It ensures that customer data is always safe and secure, no matter the volume or type of transaction.”
Mr. Ali explained that MoMo’s system design left no room for lapses in data privacy, adhering strictly to both local and international data protection regulations, including Ghana’s Data Protection Act, 2012 (Act 843).

He noted that every transaction processed through the MoMo platform was encrypted and continuously monitored for anomalies to prevent breaches or unauthorized access.

“The state-of-the-art system safeguards customer data, ensuring safety and security in every mobile money transaction,” he emphasized.
Beyond security, he said, the platform’s resilience has made it possible for millions of Ghanaians to access financial services seamlessly — from transfers and deposits to merchant payments and digital savings.

Mr. Ali highlighted that Mobile Money Limited had created a robust ecosystem that went beyond simple wallets or cash transfers.
Through partnerships with banks, fintech firms, and state institutions, the company has built a multi-channel digital payments environment that promotes inclusion and innovation.

“We’ve built an ecosystem that allows us to leverage multiple partners — banks, merchants, utilities, and digital service providers — to expand beyond deposits, withdrawals, and transfers,” he said.

One of the key enablers of this integration is the collaboration with the Ghana Interbank Payment and Settlement Systems (GhIPSS) infrastructure.
Through this, Mobile Money Limited has achieved seamless interoperability, allowing users to send and receive money across different electronic money issuers (EMIs) and bank accounts.

“GhIPSS interoperability has been a game changer. It allows conversion and transfer between wallets and bank accounts, expanding the reach of electronic payments,” he explained.

This interoperability, he added, enables retailers, small businesses, and service providers to receive mobile payments from customers regardless of which network or bank they use — helping to drive Ghana’s digital economy.

Mr. Ali commended the Government of Ghana for championing several digital payment initiatives that had laid the foundation for broader adoption.
He cited electronic payments at the Electricity Company of Ghana (ECG) and digital platforms at the country’s ports, which had accelerated the shift toward a cash-lite economy.

“We must give credit to government for driving innovation in the digital payments space,” he said.
“Efforts like ECG’s e-payment systems and the digitisation of port services show what is possible when public institutions take the lead.”
However, he stressed that more needed to be done to mainstream digital payments across all sectors, including public services, transportation, and education, to further reduce reliance on cash.

“If government champions digital payment, it becomes easier for everyone to accept that this is the way to go,” he said.
“There’s still a lot more transactions to bring onboard, and when that happens, the ecosystem grows stronger.”
At the MFWA conference, which focused on Digital Public Infrastructure (DPI) and inclusion in Africa, Mr. Ali linked Ghana’s progress in financial inclusion to the strength of its digital systems.

He argued that secure and interoperable platforms like MoMo’s contributed significantly to the national digital transformation agenda, by enabling citizens, especially those in the informal sector, to access, save, and transact safely without traditional banking barriers.
“Financial inclusion is not just about access; it’s about trust,” he said.

“People must know that when they use digital platforms, their money and data are safe. That’s the foundation of the confidence we’ve built.”
As Mobile Money Limited continues to innovate, Mr. Ali reaffirmed the company’s commitment to data security, customer trust, and ecosystem collaboration.
He said the company’s goal is to help Ghana consolidate its position as a regional leader in secure mobile financial services.

“We wouldn’t have reached this level without leveraging our ecosystem of partners,” he said.
“Our focus now is to deepen interoperability, expand partnerships, and continue to guarantee that every transaction is safe, fast, and reliable.”
He concluded by calling for stronger collaboration between regulators, industry players, and government agencies to ensure that Ghana’s fintech environment remains secure, inclusive, and globally competitive.
“We have the technology, the partners, and the systems,” he said. “All we need is continuous innovation and confidence in the process to make digital payments the norm across Ghana.”