Ghana Interbank Payment and Settlement Systems, the Bank of Ghana-owned institution that underpins the country’s electronic payment infrastructure, has unveiled a refreshed executive leadership team, after installing a new chief executive officer, Clara Arthur.
GhIPSS has appointed a Chief Technology and Information Officer, and an Advisor for Emerging Technologies, moves that point to a deliberate reboot of the organisation’s strategic direction.
Clara Arthur Takes the Helm
Clara B. Arthur was recently appointed the Chief Executive Officer of GhIPSS, bringing over 20 years of experience spanning banking, fintech, and national payment infrastructure.
Her appointment returns a familiar hand to the organisation: she previously served as General Manager for Projects and Business Development at GhIPSS from 2015 to 2019, where she led the implementation of key national payment initiatives, including GhIPSS Instant Pay, the gh-link domestic card scheme EMV migration, Ghana’s mobile money interoperability platform, and the expansion of the e-zwich agent network.
In the intervening years, Arthur worked as a digital financial services consultant with global development institutions, including CGAP and the United Nations Capital Development Fund (UNCDF), advising on payment market infrastructure, regulatory frameworks, and remittance-linked inclusion strategies.
She has also been recognised among the Top 100 Women in Fintech in Africa. She holds an MSc in Finance and Administration from the University of West London and a BA in Law and History from Kwame Nkrumah University of Science and Technology.
A New Technology Chief from Telecoms
Stepping into the newly defined role of Chief Technology and Information Officer is Emmanuel Kwabena Owusu, an accomplished technology executive with more than 17 years of leadership experience across telecoms, digital infrastructure, and mission-critical platforms in West Africa.
Owusu arrives at GhIPSS with a track record built largely in the telecoms sector. He played a key role in the post-merger integration of the Airtel and Tigo networks, as well as strategic infrastructure-sharing arrangements that expanded coverage while optimising capital expenditure.
His leadership also supported the GOVNET project, which delivered secure connectivity to more than 960 government institutions across Ghana.
He previously served as a Governing Board Member of the Ghana Investment Fund for Electronic Communications (GIFEC), where he contributed to policy oversight, infrastructure governance, and digital inclusion initiatives.
His career has spanned senior roles at AirtelTigo, Tigo, Vodafone, Huawei, and Ericsson. In 2025, he was recognised by the Africa Tech Festival as one of the 12 most influential figures shaping Africa’s telecoms industry.
Owusu holds an MBA from the University of Suffolk (UK) and a Bachelor of Science in Electrical and Electronic Engineering from KNUST, and is a certified Project Management Professional (PMP).
Kwadwo Ntim Repositioned as Emerging Technologies Advisor
In a notable structural move, Kwadwo Ntim, one of GhIPSS’s founding figures who joined the organisation in 2007 since its inception, has been repositioned as Advisor to the Chief Executive for Emergent Technologies.
Ntim’s institutional knowledge runs deep. He has been responsible for the setup of GhIPSS’s Information Technology organisation and operations functions, and was instrumental in the delivery of foundational national payment systems including e-zwich, the Automated Clearing House, the gh-link national domestic card scheme, GhIPSS Instant Pay, Mobile Money Interoperability, the National Universal QR Platform, and the GhanaPay Mobile Platform.
He brings nearly 30 years of systems design, development, deployment, project leadership, and Governance, Risk and Compliance experience, having worked previously with Masai Computers Limited (IBM Partners), KPMG, and Société Générale Bank.
In his advisory role, he is expected to guide GhIPSS’s positioning on next-generation technologies and future payment infrastructure.
A Platform for the Next Chapter
The appointments collectively signal that GhIPSS, which operates Ghana’s national switch, instant payment rails, interbank clearing, and card infrastructure, is girding for a more technologically assertive phase.
With a CEO who combines consultancy depth and operational GhIPSS heritage, a CTIO who has managed large-scale national digital infrastructure, and a seasoned technologist advising on what comes next, the institution appears to be assembling leadership suited to both consolidating existing platforms and navigating the next wave of financial technology.
GhIPSS is a wholly owned subsidiary of the Bank of Ghana.
(Sources: GhIPSS Management Page)
