Technology
GCB Bank Proposes Direct Payment Framework for Ghanaian TikTok Creators
GCB Bank is positioning itself at the forefront of Ghana’s digital economy with a bold proposal to introduce a direct payment framework for TikTok content creators, a move expected to transform how local creators access their earnings.
A delegation from the bank, led by its Chief of Staff, Mr. Abraham Ferguson, on Tuesday paid a courtesy call on the Minister for Communication, Digital Technology and Innovations, Samuel Nartey George (MP), to discuss a potential partnership with TikTok. The initiative seeks to eliminate third-party intermediaries and guarantee Ghanaian creators full value for their work.
Speaking at the meeting, Mr. Ferguson highlighted GCB Bank’s robust infrastructure to serve as the preferred payment gateway.
“The bank possesses strong connectivity with MasterCard and Visa, enabling direct payments onto cards. We also have the capacity to facilitate payouts via mobile money and bank transfers,” he explained.
According to Mr. Ferguson, the framework is designed to give Ghanaian content creators a secure and transparent channel to withdraw earnings from their viral videos and manage cash-outs for gifts received on the platform.
The proposal received strong backing from the Communication Minister, who stressed the importance of a localised system to safeguard Ghana’s creative economy.
“By eliminating the use of third parties, we reduce unnecessary deductions and ensure Ghanaian talent gets the full value of their work,” Hon. George said.
Also present at the meeting was TikTok’s West Africa representative, Ms. Tokumbo Ibrahim, who described the proposal as a promising step toward empowering African creators. She assured that TikTok would review its feasibility and explore the technical and regulatory processes needed for integration.
GCB Bank confirmed its readiness to act immediately once approval is given.
“This would involve formalising a payment framework in consultation with financial authorities and setting up technical teams to ensure seamless integration,” Mr. Ferguson stated.
If implemented, the system could mark a turning point for Ghana’s digital creators, many of whom face delays, high fees, and a lack of transparency in accessing earnings. Analysts say the initiative has the potential to not only strengthen Ghana’s position in the global creator economy but also boost financial inclusion across the country.
For now, attention shifts to TikTok’s response, which could pave the way for a new era of direct, reliable, and transparent payments for Ghanaian creators in the digital age.
General News
Apple set to unveil first foldable iPhone as new CEO John Ternus takes the stage
CUPERTINO, CALIFORNIA — Apple is expected to take a major step into the foldable smartphone market as it prepares to unveil its latest iPhone lineup, with the company’s new chief executive, John Ternus, set to lead his first major product launch.
The September 9 event could mark one of the biggest changes to Apple’s flagship smartphone in years, with the company widely expected to introduce its first-ever foldable iPhone. The anticipated device would represent Apple’s entry into a category already occupied by rivals including Samsung, Google and Motorola.
The launch is particularly significant because it comes just days after Ternus officially succeeded Tim Cook as Apple’s CEO. Ternus, who previously served as Apple’s senior vice president of Hardware Engineering, became chief executive on September 1.
A NEW ERA FOR THE IPHONE
Reports suggest the anticipated foldable iPhone could open like a book or passport, providing users with a substantially larger display while remaining compact when closed.
Some reports have suggested a price of more than $2,000, potentially making it one of Apple’s most expensive smartphones. However, Apple has not publicly confirmed the device’s name, specifications or price ahead of the launch.
Apple’s decision to enter the foldable market comes years after competitors introduced their own devices. Analysts believe the company’s late arrival could work to its advantage, allowing Apple to learn from the durability, hinge and display problems that have affected earlier foldable smartphones.
HIGH STAKES FOR TERNUS
For Ternus, the event represents his first major public test as Apple’s chief executive.
Having spent much of his career overseeing Apple’s hardware development, Ternus now faces the challenge of convincing consumers that Apple’s version of the foldable smartphone is worth its expected premium price.
The company is also expected to introduce new premium iPhone models alongside other products, making the event an important moment for Apple’s hardware business.
APPLE’S FOLDABLE GAMBLE
Foldable smartphones remain a relatively small segment of the overall mobile phone market, despite years of investment by competing manufacturers.
Apple’s entry could nevertheless change the industry’s direction. Analysts believe the company’s enormous customer base and influence over smartphone design could help push foldable technology further into the mainstream.
For now, however, the foldable iPhone remains an expected announcement rather than a confirmed product until Apple officially takes the stage.
If unveiled, the device could mark one of the most important changes to the iPhone since the introduction of the iPhone X — and provide the first major statement about the future of Apple under John Ternus.
General News
OPENAI Claims AI has cracked a 90 year-old mathematics mystery — But Experts are not convinced yet
NEW YORK — OpenAI says an advanced artificial intelligence system may have achieved a breakthrough in one of mathematics’ most notoriously difficult problems, claiming its AI generated a proposed solution to the Navier–Stokes existence and smoothness problem in just 88 hours.
The problem, which has challenged mathematicians for nearly a century, involves equations used to explain how fluids such as water and air behave and move. It is among the seven Millennium Prize Problems, each carrying a $1 million prize for a mathematically verified solution.
According to OpenAI, the effort involved deploying roughly 10,000 AI agents, allowing different systems to investigate numerous mathematical strategies simultaneously. The agents reportedly exchanged millions of messages while developing, testing and refining possible approaches.
AI PROPOSES A RADICAL ANSWER
OpenAI says its system eventually produced an extensive mathematical argument suggesting that a smooth solution to the Navier–Stokes equations could develop a singularity — a point where the mathematical behaviour becomes undefined or breaks down within a finite amount of time.
The company says the proposed argument was then subjected to additional AI-based verification in an effort to identify potential errors or weaknesses.
If the result ultimately survives rigorous examination by independent mathematicians, it could become one of the most significant demonstrations yet of AI’s ability to contribute to fundamental mathematical research.
But that outcome remains far from certain.
MATHEMATICIANS DEMAND INDEPENDENT VERIFICATION
Experts have urged caution over the announcement, stressing that a problem of this importance cannot be considered solved simply because an AI system has produced a sophisticated mathematical argument.
The proposed proof must undergo detailed examination by independent mathematicians, who will need to verify every critical step and determine whether it satisfies the precise conditions of the original Navier–Stokes problem.
Questions have also emerged over the relationship between OpenAI’s work and research into related mathematical approaches.
NYU mathematician Tristan Buckmaster has raised concerns because he and Anthropic researcher Levent Alpöge have been working on a related line of research. OpenAI, however, has denied accessing or using their unpublished research and maintains that its work was developed independently.
$1 MILLION PRIZE REMAINS UNCLAIMED
The Navier–Stokes problem is one of the famous Millennium Prize Problems established by the Clay Mathematics Institute. A fully accepted solution would qualify for a $1 million award.
OpenAI says it does not intend to claim the prize at this point.
That decision reflects the central issue surrounding the announcement: the proposed solution has not yet been independently verified and accepted by the mathematical community.
COULD AI CHANGE MATHEMATICAL RESEARCH?
Regardless of whether the proof is ultimately accepted, the episode highlights the rapidly expanding role of artificial intelligence in scientific research.
AI systems are increasingly being used to generate mathematical ideas, test hypotheses and explore problems that would take humans enormous amounts of time to investigate.
If OpenAI’s argument is eventually confirmed, it could mark a major milestone — not only for mathematics but also for the broader debate over whether AI can make genuinely original contributions to scientific discovery.
For now, however, the Navier–Stokes problem remains officially unresolved.
OpenAI may have presented a potentially groundbreaking solution, but the final verdict belongs to mathematicians.
Technology
Africa Risks Falling Behind in AI Race, Bawumia Warns at London Summit
Former Ghanaian Vice President Dr. Mahamudu Bawumia has sounded the alarm over Africa’s sluggish embrace of artificial intelligence, warning that the continent could be left behind in one of the most consequential technological shifts in modern history.
Speaking as the keynote speaker at the London School of Economics and Political Science’s annual Africa Summit, Dr. Bawumia told delegates that AI is no longer a distant frontier it is already reshaping economies, governance, and global power, and Africa is not keeping pace.
“We are in the midst of a digital revolution,” he said. “AI, data, cloud computing, and automation are reshaping productivity, security, and the very architecture of global competition.”
The Stakes: More Than Just Technology
Dr. Bawumia framed Africa’s AI challenge not as a technical problem, but as a question of sovereignty and self-determination. He drew a stark distinction between two paths the continent could take.
“If we treat AI as a set of imported tools, we will remain price-takers in the Knowledge Economy,” he warned. “But if we treat AI as a national and continental capability stack, we can become co-authors of the rules, the markets, and the benefits.”
The theme of the summit Artificial Intelligence and Uniting Borders gave Dr. Bawumia the platform to argue that AI could be a powerful force for continental integration, but only if African nations build and share their own capabilities, rather than depending on technology developed elsewhere.
The Infrastructure Gap: A Hard Look at the Numbers
Dr. Bawumia did not shy away from the data, presenting a sobering picture of the foundational gaps standing between Africa and meaningful AI adoption.
On internet connectivity, he cited World Bank figures showing that only 43% of people across Africa use the internet and even that number tells an incomplete story. Within the continent, access varies sharply: Ghana sits at 70%, South Africa at 76%, while Rwanda trails at around 34%. More critically, he noted that being counted as an “internet user” only requires having gone online once in three months a low bar that masks the reality of how many people have affordable, reliable, and fast connectivity.
Electricity access which he called “non-negotiable” for any digital infrastructure presents a similar picture. Across Africa, only 60% of people have access to electricity. Country-level figures reveal wide disparities: Ghana leads at 89.5%, South Africa at 87.7%, Kenya at 76.2%, and Rwanda at 63.9%. But access alone is not enough. AI systems demand consistent uptime, and unreliable power transforms what could be national digital services into fragile, short-lived experiments.
“Africa’s AI agenda is also an infrastructure agenda,” Dr. Bawumia said bluntly. “No electricity, no compute, no broadband, no scaling. No trusted data systems, no safe deployment.”
Reasons for Cautious Optimism
Despite the challenges, Dr. Bawumia struck a note of measured hope, pointing to promising trends that suggest Africa does not need perfect infrastructure before it can begin benefiting from AI.
He highlighted the World Bank’s Digital Progress and Trends Report 2025, which points to the growing rise of lightweight, affordable AI tools designed to run on ordinary mobile phones already being used in agriculture, healthcare, and education across the continent.
On government readiness, the Oxford Insights Government AI Readiness Index 2024 places several African countries in a position of growing momentum: Rwanda scores 51.25, South Africa 52.91, Kenya 43.56, and Ghana 43.30 out of 100. These are not top-tier scores, but they are not starting from zero either.
Dr. Bawumia noted that the details behind those scores matter. Ghana, for example, performs relatively well in government readiness but lags in its technology sector. South Africa, meanwhile, shows stronger data and digital infrastructure foundations. “Progress is real,” he said, urging that it must now move from isolated pilots to full national systems.
Build the Foundation First
Tying his address together, Dr. Bawumia urged African policymakers to resist the temptation of chasing AI applications before laying the groundwork that makes them viable.
“History teaches us something important: technological revolutions reward those who build foundations institutions, infrastructure, skills, and rules before they chase the latest applications,” he said. “Africa’s task is to do the same boldly, but methodically.”
He closed by invoking Estonia’s e-Governance Academy, which has predicted that the coming decade will be defined by the integration of AI into both governance and everyday life a future, Dr. Bawumia made clear, that Africa must prepare for now, not later.
Technology
Sam George Blames Past Information Leaks for Weak Cybercrime Enforcement, Vows Crackdown to Restore Ghana’s Digital Image
The Minister for Communication, Digital Technology and Innovations, Sam George, has expressed concern that individuals in the previous administration allegedly leaked sensitive information to suspected cybercrime targets, a situation he says repeatedly weakened efforts to sanitise Ghana’s digital space and rebuild international confidence.
In an interview that has circulated widely on social media, the Ningo Prampram MP explained that enforcement actions against cyber fraud often failed in the past because operational details were allegedly disclosed to suspects before arrests could be carried out.
He clarified that requests from international partners such as the FBI did not originate under the current administration, noting that investigations into cybercrime were already underway before he assumed office.
“The FBI did not make the requests today, those requests were pending before I became minister,” he said.
According to the Minister, the challenge was not a lack of intelligence or cooperation from international partners, but the deliberate leaking of information from within, which enabled suspects to evade law enforcement.
“But in the past, people were leaking the information to the targets and helping them evade arrest,” he stated.
Sam George said he took a firm stance upon becoming minister to put an end to what he described as internal sabotage of security operations, stressing that restoring Ghana’s international reputation requires decisive action and strict confidentiality.
“I made a commitment when I became minister. That anything that we would do to clean up the image of Ghana internationally, we will,” he said.
He linked the issue of information leaks directly to Ghana’s wider challenges with digital credibility, pointing out that cyber fraud has negatively affected the country’s standing with global technology and payment platforms.
“They will blacklist Ghana as long as there’s fraud happening in Ghana,” he said, referencing platforms such as PayPal, TikTok and Meta.
The Minister explained that when arrests are frustrated through leaked information, cybercrime continues, making it difficult for the government to assure international platforms that Ghana is a safe and reliable digital environment.
“As we clamp down on cyber crime, it makes our case stronger as we talk to the platforms to monetise and say that Ghana is a peaceful destination, a safe haven, and that illicit flows will not come through here,” he said.
Sam George also noted that the actions of a few individuals who leak information for personal or criminal gain have far reaching consequences for law abiding citizens, particularly content creators and young people who depend on online platforms for income.
“If you have a few people depriving the majority who are doing legitimate work on social media, content creators, the reason you can’t monetise and get value for your craft is because a few people have chosen to give Ghana a bad name,” he said.
He dismissed claims that economic hardship should be used to justify criminal activity or interference with law enforcement operations.
“The excuse and argument that there are no jobs. Then should we say that we shouldn’t arrest armed robbers as well because everybody will have a reason for crime,” he added.
The Minister’s remarks come at a time when the government is intensifying efforts to strengthen internal controls, deepen collaboration with international partners, and prevent leaks that could undermine investigations into cyber fraud and other digital crimes.
Technology
Experts Warn of Rising Online Fraud, Urge Youth to Strengthen Cybersecurity Habits
The Chief Operating Officer of Fintech Solutions, Cristina J. S. Swan Awagah, has expressed concern over the increasing cases of online fraud and called for stronger cybersecurity habits particularly among young people.
Speaking at the Africa Digital Dialogue on Friday, November 7, 2025, under the theme “Beyond Mobile Money: Fintech’s Next Frontiers,” she emphasized that oversharing personal information online has become one of the easiest ways for cybercriminals to exploit individuals.
The dialogue, hosted by MG Digital in partnership with the Africa Digital Foundation, formed part of the annual Africa Digital Festival (ADF)—a major event celebrating innovation and digital transformation across the continent. This year’s edition brought together policymakers, investors, creators, and startups from over 20 African countries to promote collaboration in FinTech, AgriTech, e-Health, and Artificial Intelligence.
Cristina Awagah highlighted that as fintech adoption expands, the importance of digital literacy and online safety cannot be overstated. With many young Africans active on social media, she cautioned that weak passwords and the habit of sharing personal milestones online make users vulnerable to cyberattacks.
“A lot of fraud cases now involve the youth. We give away so much information on social media—birthdays, personal details—and even use those same details as passwords for our important accounts,” she said. “We must learn how to create strong passwords and understand what information to share and what to keep private.”
Eunice A. Ankomah, a Strategic Communications and DFS Professional, also called on financial service providers to move beyond flashy marketing campaigns and focus on building trust through customer education.
“Adoption is not driven by beautiful campaigns but by trust,” she noted. “Financial service providers must ensure that customers truly understand the services being offered. When customers are educated, they’re less likely to fall victim to fraud caused by negligence.”
She further stressed the need for inclusive communication strategies, explaining that not all customers can read or access SMS notifications.
“In customer education, it’s important to know who you’re addressing and how best they receive information. What about the elderly woman in a rural area with no formal education? How can we ensure she understands how to protect her PIN? We shouldn’t generalize—every customer needs a communication approach that works for them,” she added.
Technology and innovation expert Emmanuel Kpiki also shared how fintech institutions are tightening internal systems to protect clients’ data.
“We regularly audit our systems and ensure that when staff leave an organization, their access rights are immediately revoked,” Kpiki explained. “We’ve implemented cybersecurity directives to strengthen institutional frameworks, prevent transaction fraud, and enhance data encryption and decryption processes.”
The Africa Digital Dialogue concluded that as fintech continues to evolve, the next phase of Africa’s digital economy will depend heavily on cybersecurity, consumer trust, and financial literacy. Beyond mobile money, participants agreed that true innovation must be built on a foundation of safety, education, and ethical digital practices.
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