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Ghana’s digital public infrastructure falls short for persons with disabilities

On a cold Sunday afternoon in Accra, Moro Ibrahim stands in front of an ATM that many Ghanaians use without a second thought. But for him, the simple act of withdrawing money becomes an impossible task.  The machine has no voice automation, no tactile labels, and no accessibility features. “I don’t know which one is one. I don’t know which one is two,” he says, running his fingers helplessly over the keypad. Without speech guidance, he adds, “It’s not going to be possible for me to access it.” Moro’s struggle is not an isolated inconvenience—it’s evidence of a deeper problem within Ghana’s rapidly expanding digital financial ecosystem. As banks and fintech platforms race ahead with modern tools, many citizens with disabilities remain stuck behind invisible barriers that technology has failed to break.


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