The number of registered internet banking customers declined by 4.77% to 970,435 in 2021, compared to 2020, the Payment Systems Oversight Annual Report of the Bank of Ghana has revealed.

Registered mobile banking customers also decreased to 4.062 million in 2021, from 4.767 million in 2020.

The value of internet banking transactions, however, increased significantly by 132.30% to ¢56.24 billion in 2021.

Mobile Banking transaction value was ¢26.11 billion in 2021 compared with ¢12.94 billion in 2020 representing a growth of 101.78%.

Automated Teller Machines and Points of Sales

The report stated that the number of ATMs deployed by banks as of the end of December 2021 was 2,278 representing an increase of 1.83% over the 2020 position.

The number of POS terminals deployed also went up by 20.54% to 12,643 in December 2021, from 10,489 at end-December 2020.

Debit cards

The total number of debit cards issued by banks as of December 2021 was 4.936 million, an increase of 2.56% over the position in 2020.

International scheme cards at end-December 2021, was 3,647,285, and represented 73.89% of the total issued debit cards, compared with banks proprietary cards of 1,288,961, which constituted 26.11% of the total issued debit cards.

The international scheme cards increased by 2.56%, while banks own proprietary cards decreased by 21.62% in 2021.

Credit Cards

The number of credit cards issued as at the end of December 2021 increased to 36,237 cards in 2021, from 33,039 cards in December 2020.

The increase in the number of credit cards issued was on account of additional banks authorised by the Bank of Ghana to issue credit cards. All the credit cards issued were international scheme cards.