The High Street Business - THSB

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The High Street Business - THSB is an extension of Accra Street Journal under SamBoad Publishing. The High Street Business is Ghana’s emerging hub for credible business news, financial insights, and innovation stories shaping the nation’s economic landscape. Founded on October 25, 2025, by SamBoad Publishing, a subsidiary of SamBoad Business Group Ltd, The High Street Business is part of a growing

ecosystem of independent digital publications under the SamBoad Brands. SamBoad Publishing also houses Accra Street Journal, The High Street Business, and SKB Journal — all committed to delivering accurate, engaging, and impactful journalism for Ghana and beyond.

Why Internet Costs Remain High in Ghana — The 81% Data Market, the Nearly 40% Tax Burden, and the Policy Fix That Has No...
30/05/2026

Why Internet Costs Remain High in Ghana — The 81% Data Market, the Nearly 40% Tax Burden, and the Policy Fix That Has Not Yet Landed

Why Internet Costs Remain High in Ghana — MTN controls 81% of Ghana’s data market, telecom taxes add nearly 40% to consumer bills, and a 5GB data package still exceeds the UN affordability threshold by 50%. Our deep‑dive analysis reveals the five structural drivers of high internet costs and three scenarios for the future of digital access. Executive Introduction On paper, Ghana should be a model for affordable internet in Africa....

Why Internet Costs Remain High in Ghana — MTN controls 81% of Ghana’s data market, telecom taxes add nearly 40% to consumer bills, and a 5GB data package still exceeds the UN affordability threshold by 50%. Our deep‑dive analysis reveals the five structural drivers of high internet costs and t...

The Future of 5G in Ghana — The $1.1bn Investment, the 40,000-Device Gap, and the Race to 70% Coverage by March 2027The ...
30/05/2026

The Future of 5G in Ghana — The $1.1bn Investment, the 40,000-Device Gap, and the Race to 70% Coverage by March 2027

The Future of 5G in Ghana — Ghana's 5G backbone is live, but under 40,000 devices exist. MTN invests $1.1bn, Telecel boosts investment 150%, and the government targets 70% coverage by March 2027. Our deep‑dive reveals the spectrum auction, device bottleneck, and three scenarios for Ghana's next‑gen digital future. Executive Introduction The backbone is live. After months of regulatory back‑and‑forth, Next‑Gen InfraCo (NGIC) — Ghana's licensed national wholesale 4G/5G infrastructure provider — received formal clearance from the National Communications Authority (NCA) in March 2026 to launch full commercial operations....

The Future of 5G in Ghana — Ghana’s 5G backbone is live, but under 40,000 devices exist. MTN invests $1.1bn, Telecel boosts investment 150%, and the government targets 70% coverage by March 2027. Our deep‑dive reveals the spectrum auction, device bottleneck, and three scenarios for Ghana’s...

How Telecom Companies Make Billions From Data Consumption — The GH¢24.4bn Revenue, the 59% Data Shift, and the 5G Flywhe...
30/05/2026

How Telecom Companies Make Billions From Data Consumption — The GH¢24.4bn Revenue, the 59% Data Shift, and the 5G Flywheel

How Telecom Companies Make Billions From Data Consumption- MTN Ghana’s data revenue surged 48.8% to drive GH¢7.8bn profit. Our deep‑dive analysis reveals data bundle economics, network investment, the MoMo flywheel, and the 5G future reshaping Ghana’s digital economy. Executive Introduction The era when voice calls accounted for the bulk of telecom revenue in Ghana is over. In 2022, voice still contributed 47 percent of MTN Ghana’s service revenue....

How Telecom Companies Make Billions From Data Consumption- MTN Ghana’s data revenue surged 48.8% to drive GH¢7.8bn profit. Our deep‑dive analysis reveals data bundle economics, network investment, the MoMo flywheel, and the 5G future reshaping Ghana’s digital economy. Executive Introduction T...

MTN Ghana Mobile Money Dominance: 19.3 Million Users, GH¢6 Billion Revenue and Africa’s Digital Finance BlueprintMTN Gha...
30/05/2026

MTN Ghana Mobile Money Dominance: 19.3 Million Users, GH¢6 Billion Revenue and Africa’s Digital Finance Blueprint

MTN Ghana Mobile Money Dominance: 19.3 Million Users, GH¢6 Billion Revenue and Africa’s Digital Finance Blueprint - Why MTN Ghana controls 70%+ of mobile money market. In-depth analysis of MoMo’s business model, flywheel effect, digital banking ambitions and risks. Essential reading for investors. Executive Introduction In February 2009, when MTN Ghana launched a service allowing subscribers to send money via text message, few predicted it would become the most consequential financial…...

MTN Ghana Mobile Money Dominance: 19.3 Million Users, GH¢6 Billion Revenue and Africa’s Digital Finance Blueprint – Why MTN Ghana controls 70%+ of mobile money market. In-depth analysis of MoMo’s business model, flywheel effect, digital banking ambitions and risks. Essential reading for inves...

Why Insurance Pe*******on in Ghana Remains Low — The 0.63% Reality, the 80% Informal Sector, and the Trust Deficit That ...
30/05/2026

Why Insurance Pe*******on in Ghana Remains Low — The 0.63% Reality, the 80% Informal Sector, and the Trust Deficit That Won’t Close

Why Insurance Pe*******on in Ghana Remains Low — Ghana's insurance pe*******on has stalled at 1% of GDP (0.63% under IFRS 17). Our deep‑dive analysis reveals four structural barriers: macroeconomic shocks, informal sector mismatch, product irrelevance, and the trust deficit — and three scenarios for breaking the ceiling. Executive Introduction The numbers are stark. Ghana's insurance pe*******on — gross premiums as a percentage of GDP — has remained stuck at approximately 1.0 per cent for years, unchanged from 2023 to 2024, according to the 2026 Deloitte Africa Insurance Outlook....

Why Insurance Pe*******on in Ghana Remains Low — Ghana’s insurance pe*******on has stalled at 1% of GDP (0.63% under IFRS 17). Our deep‑dive analysis reveals four structural barriers: macroeconomic shocks, informal sector mismatch, product irrelevance, and the trust deficit — and three scena...

Ghana’s Insurance Industry Is Bigger Than Most People Realize — The GH¢17.9bn Sector, GH¢7.34bn Revenue and the 1% Pe***...
30/05/2026

Ghana’s Insurance Industry Is Bigger Than Most People Realize — The GH¢17.9bn Sector, GH¢7.34bn Revenue and the 1% Pe*******on Paradox

Ghana's Insurance Industry Is Bigger Than Most People Realize — Ghana's insurance industry has GH¢17.9bn in assets, GH¢1.24bn in annual profit, and pays GH¢9.2m in claims daily. Our deep‑dive analysis reveals the financial scale, the DDEP recovery, the 1% pe*******on paradox, and the path to reaching 80% of informal workers. Executive Introduction The numbers are arresting. Total industry assets in Ghana's insurance sector climbed 18.6 per cent to GH¢17.9 billion by the end of 2024 — equivalent to about 1.5 per cent of GDP....

Ghana’s Insurance Industry Is Bigger Than Most People Realize — Ghana’s insurance industry has GH¢17.9bn in assets, GH¢1.24bn in annual profit, and pays GH¢9.2m in claims daily. Our deep‑dive analysis reveals the financial scale, the DDEP recovery, the 1% pe*******on paradox, and the path...

How Insurance Companies in Ghana Actually Make Money — Underwriting Profit, Investment Income, and the Three Numbers Tha...
30/05/2026

How Insurance Companies in Ghana Actually Make Money — Underwriting Profit, Investment Income, and the Three Numbers That Decide If an Insurer Sinks or Swims

How insurance companies in Ghana actually make money - GH¢7.34bn revenue, GH¢1.24bn profit, and GH¢9.2m in daily claims — but only 1% of GDP insured. Our deep‑dive analysis reveals underwriting profit, investment income, the DDEP hangover, and the fraud tax shaping Ghana's insurance profitability. Executive Introduction On paper, the insurance industry in Ghana is a quiet Goliath. Every day, licensed insurers in the country collectively pay out an average of GH¢9.2 million in…...

How insurance companies in Ghana actually make money – GH¢7.34bn revenue, GH¢1.24bn profit, and GH¢9.2m in daily claims — but only 1% of GDP insured. Our deep‑dive analysis reveals underwriting profit, investment income, the DDEP hangover, and the fraud tax shaping Ghana’s insurance profi...

Third-Party vs Comprehensive Insurance in Ghana – The Mandated Minimum, the Fraud Tax, and the GH¢18,000 Out‑of‑Pocket L...
30/05/2026

Third-Party vs Comprehensive Insurance in Ghana – The Mandated Minimum, the Fraud Tax, and the GH¢18,000 Out‑of‑Pocket Lesson

Third‑party insurance in Ghana costs GH¢557, while comprehensive runs 5–7% of your car’s value. Our deep‑dive analysis reveals coverage exclusions, the 25% fraud tax, the MID verification system, and a practical framework for choosing the right policy. Executive Introduction Motor insurance in Ghana is not optional. Under Section 3(1) of the Motor Vehicles (Third‑Party Insurance) Act, 1958, no vehicle can lawfully be used on a road without a valid…...

Third‑party insurance in Ghana costs GH¢557, while comprehensive runs 5–7% of your car’s value. Our deep‑dive analysis reveals coverage exclusions, the 25% fraud tax, the MID verification system, and a practical framework for choosing the right policy. Executive Introduction Motor insurance...

Why Microinsurance Could Become Ghana’s Next Big Financial Product — 8.5m Lives, GH¢1 Premiums and the Unfinished Busine...
30/05/2026

Why Microinsurance Could Become Ghana’s Next Big Financial Product — 8.5m Lives, GH¢1 Premiums and the Unfinished Business of Reaching 80% of the Workforce

With 8.5 million lives insured and GH¢35 million in claims paid, microinsurance is finally reaching Ghana’s informal sector. Our deep‑dive analysis reveals the aYo–DOSH–ETAP revolution, regulatory sandbox innovations, and the path to scaling beyond 1 per cent pe*******on. Why Microinsurance Could Become Ghana’s Next Big Financial Product — 8.5m Lives, GH¢1 Premiums and the Unfinished Business of Reaching 80% of the Workforce…...

With 8.5 million lives insured and GH¢35 million in claims paid, microinsurance is finally reaching Ghana’s informal sector. Our deep‑dive analysis reveals the aYo–DOSH–ETAP revolution, regulatory sandbox innovations, and the path to scaling beyond 1 per cent pe*******on. Why Microi...

The Rise of Digital Insurance Platforms in Ghana – 8.5m Lives, GH¢35m Claims, and the Unfinished Business of Reaching 98...
27/05/2026

The Rise of Digital Insurance Platforms in Ghana – 8.5m Lives, GH¢35m Claims, and the Unfinished Business of Reaching 98% of the Market

Digital insurance platforms like aYo, DOSH, ETAP and Figtech are finally reaching Ghana's 80% informal workforce – with 8.5m lives covered and GH¢35m in claims paid. Our deep‑dive analysis reveals the business models, regulatory enablers and the unfinished work of moving beyond 1% pe*******on. The Rise of Digital Insurance Platforms in Ghana – 8.5m Lives, GH¢35m Claims, and the Unfinished Business of Reaching 98% of the Market…...

Digital insurance platforms like aYo, DOSH, ETAP and Figtech are finally reaching Ghana’s 80% informal workforce – with 8.5m lives covered and GH¢35m in claims paid. Our deep‑dive analysis reveals the business models, regulatory enablers and the unfinished work of moving beyond 1% pe*******on...

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