The total value of half-year mobile money transactions for 2019 has hit GH¢ 140 billion.  Data from the Bank of Ghana, captured in its Payment Statistics Report shows a 34% increase from the 2018 half-year figure of GH¢104 billion. The report chronicles the major payment systems being run in the country from, Cheque payments, Direct Debit and Direct Credit. As mobile money surges, other payment systems are experiencing a decline. Cheques experienced a decline both in volume and value.  The volume of cheques declined from 3,638,930 in half-year of 2018 to 3,354,751 for the same period in 2019.  This represents a 7.81% contraction. On the value of transactions, there was a decline from GH¢ 99.3 billion to GH¢84.5 billion for half-year 2018 and half-year 2019 respectively. This represents a contraction of 14.96%. Data also on mobile money interoperability also revealed an increase in value from GHC 212 million between May to Dec 2018 to GHC 217 million from January to June 2019.