Context: Since 2009, BSP has a Transformational Program, whch comprises the review of the portfolio of retail products and the implementation of electronic delivery channels.

Objective: 1. The redesign and implementation of a basic transaction account and a savings account (to replace 6 existing products) 2. Coaching the product management team.

Deliverables: A comprehensive methodology for product management was used, covering the commercial, marketing, organizational and technical aspects and training for the products. On 15 March 2011, the products were successfully introduced.

Context: Ghana Interbank Payment and Settlement Systems developed e-zwich, a smart card payment system to increase financial inclusion in rural areas.

Objective: Re-position e-zwich on the market and define the role of the banks and merchants in the value chain.

Deliverables: The defined strategy has been implemented and piloted in one region; based on the results, the approach will be rolled-out nationally.