PaySwitch CEO Nathan Annobi Discusses Smartphone Financing and Digital Payment Adoption in Ghana

A smartphone can open the door to new opportunities, but owning one is not always affordable. For Nathan Annobi, CEO of PaySwitch Ghana, making technology accessible is an important part of the company’s expansion into consumer financial services. One initiative involves smartphone financing through instalment payments, allowing young people and business owners to acquire mobile devices without paying the full cost upfront.

To make this possible, PaySwitch Ghana is bringing together telecommunications operators, banks, insurance companies, device suppliers and manufacturers. Annobi explains that these strategic fintech partnerships are essential to developing digital financing solutions that deliver real value to customers.

But affordable technology is only one part of the equation. Drawing on Ghana’s experience with mobile money adoption, Annobi argues that people are more likely to embrace digital financial services when they have someone to guide them. Agents and distributors played an important role in building confidence in mobile money services across Ghana, particularly in towns and villages where personal interaction helped customers understand the technology.

This approach continues to influence PaySwitch’s B2C fintech strategy. Rather than relying entirely on automated systems, the company believes in combining digital payment innovation, customer education and human support. From smartphone financing in Ghana to inclusive financial technology, Annobi makes the case for a financial ecosystem where technology serves people, not the other way around.