Writing

What I think, and what I've learned

Opinions and lessons on financial technology, payments, commercial strategy and emerging markets, from the US and from Ghana. By Kwame Bissah.

• Ghana's cross-border payments problem isn't a missing app.Ghana doesn't need another payment app. It needs a formal rail that works inside the bank, for the currency and documentation a real shipment requires.Read essay · 6 min
• Institutions aren't buying crypto. They're buying a path through the risk committee.Banks don't buy a coin story. What I've learned selling to institutions: you're really selling a path the risk committee can defend.Read essay · 6 min
• You rarely win a lost enterprise account back on price.When a big client starts leaving, it's rarely only about price. What I've learned winning one back, and from the one I lost.Read essay · 5 min
• One plus one doesn't always feel like two.Money is math and trust, but people feel it. Why I think my job is to help people feel confident making the right call, not an emotional one.Read essay · 2 min
• Why stablecoins are becoming an important dollar rail for African paymentsWhy stablecoins are becoming an important dollar rail for African payments, and what bank buyers still underweight about dollar access and cross-border settlement.Read essay · 6 min