Author: Hubtel

We’ve refreshed how you access your merchant portal on Hubtel, and in the process fixed a few minor concerns, as part of our commitment and focus on serving you better.

These changes highlight key services you use for your daily activities; Payment, SMS, and Customer Insights.

Here’s What’s New Under Payments!

Invoicing

You can now create and share invoices as links to your customers and receive payments at any time.

Track all invoices created on each branch of your business with their corresponding statuses.

Links can be generated and sent as Simple Payment Requests, Full Invoices, or Automated Debits.

Scheduled Payments

You can now view a log of all recurring payments and cancel upon your customers’ requests.

Here’s What’s Changed

Sales

Details of your sales activities are now captured as Transactions.

Extra income earned from reselling programmable services is also captured as Commissions.

Both your Transactions and Commissions are under Payments. This means you will now have to tap on Payments to view your Transactions (sales) and Commissions.

Customer Insights

The newly designed interface provides access to valuable customer information that can help you learn more about your customers.

Money

You can now initiate and complete transfers from “Transfer from Deposits”.

“Pay Employees and Suppliers” has been updated with a new look.

You can make payments in bulk using “Send from Excel“ and approve your transactions using “Approvals”.

A Simplified and User- friendly Dashboard

Your business dashboard has been modified to provide a more intuitive, real-time overview of your business activities.

SMS

Sending, scheduling, and viewing reports in real-time has never been easier with our Direct Gateway Messaging Service.

Managing your Statements, Cash Outflows, and Deposits

Your business’s settlement accounts can now be accessed under “Deposit accounts.“

Additionally, you can view statements of your transactions under “Settlement Statements.“

“Cash out flows” allows you to view and download a list of all your payouts and outflows.

Managing Your Account 

“Manage Business” is now Overview where you see all your business details.

You can now assign two super administrators to approve payments on behalf of the business account owner under Employee Permissions.

Set up your bank or mobile money account details under Transfer and Settlement.

Manage the branches of your business from the “Branches” section.

Your USSD codes can still be accessed under the USSD page.

Introducing your Account Settings

Threshold notifications are now sent to you when you reach your API SMS and Prepaid account limits.

You can also monitor your employees’ actions through the Audit Logs.

The Error Logs provide insights as your SMS messages are processed for delivery.

With Automated Reports, you can now schedule when to receive your payment and SMS reports, eliminating the need for manual downloads.

Access all downloads initiated from the portal or automatically from the Downloads page.

There is now a simpler, instant way to insure your car.  

Engineers at Hubtel today announced a simple breakthrough feature to buy your next car insurance sticker. Showcasing the new feature to a small group of car owners, Patrick Asare-Frimpong, Hubtel’s Head of Products, simply entered a car number, added 3 details and selected a policy to buy. Within seconds a valid insurance sticker was issued. 

“The idea of buying car insurance online isn’t necessarily novel. What we sought to do is to make it so simple and instant that any smartphone user can do it without any form of assistance. The team’s mission was clear from the get-go. Nobody wants to go through cumbersome forms, paperwork and long waits for something as simple as a car insurance sticker”, he remarked. 

To bring this to life, the team of product managers and engineers was tasked to work with insurance innovators at Enterprise Insurance, the leading insurance company in Ghana. 

“Essentially, the success of this project is mainly because of the chemistry that existed between the team and our friends at Enterprise Insurance. The engineers were not just available to write code, they were passionate about seeing the idea come to life in the best way possible”, said Abigail Awuni, the Product Manager for the Car Insurance feature.  

By carefully incorporating a blend of useful external data sources and a new form-builder framework, the team crafted a backend system that aggregates all the information required to buy a car insurance policy in the background so that users only provide very little information on the frontend interface. 

In his remarks, the Engineering Manager for the team, Maxwell Cofie, said, “the introduction of a car insurance feature to Hubtel app is quite a remarkable feat. Given that the users of the app are used to a certain level of speed and ease, the team had to ensure that we achieved an experience as familiar as sending money or buying airtime.” 

“Over the years, the narrative within the wider insurance industry itself has been evolving, and we have been closely observing these developments in the market. When we made the decision to embark on this endeavor about 2 years ago, our goal was clear: to align with our company’s mission of moving Africa forward by helping everyone find and pay for everyday essentials. I’m happy that we have successfully brought our mission to fruition within the car insurance market,” Patrick Asare-Frimpong said in his closing remarks. 

The Car Insurance feature will be available in the next update of the Hubtel app coming on the 31^st of July 2023. To install the app go to hubtel.com/app.  

Hubtel, Ghana’s first full-feature quick commerce platform, is celebrating its 18th anniversary as a trailblazing, wholly-managed Ghanaian tech company. From its inception in 2005 as SMSGH, the company has undergone a remarkable transformation, evolving from being the primary SMS solution-based messaging business to a fully licensed payment and digital transformation services provider. Upon reflection, a lot has been achieved over the past 18 years, however, it is the company’s ability to embrace and overcome failure that has been crucial to its growth and success. 

The Hubtel Story  

In 2005, two bright and ambitious undergraduates from the Kwame Nkrumah University of Science and Technology, Alex Bram and Ernest Apenteng, set out to revolutionize how businesses connect with their customers through SMS messaging. Thus, SMSGH was born. Armed with an entrepreneurial inquisitiveness that was strange for Chemistry and Biological Sciences majors at the time, Bram and Apenteng faced challenge after challenge along the way to achieving success. As secondary school students, the duo ventured into various business endeavours such as magazine production, facility management, and event management. While some of these initiatives saw a modest level of success, most were unable to withstand the test of time. Nevertheless, these experiences served as a wellspring of knowledge for the young entrepreneurs.  

Driven by their vision to establish a successful company, that not only provides employment opportunities but also delivers innovation, value, and impact to society, Bram and Apenteng poured their hearts into SMSGH. Five months after launching, the company recorded its first sale, and within three months, it had secured contracts with leading firms in Ghana worth approximately USD 6,000. 

By 2007, SMSGH had already launched one of Africa’s first online SMS messaging portals and transactional alert systems for banks in Ghana. The company’s revenue grew to an impressive USD 1 million by the end of the 2007 financial year. In 2011, SMSGH solidified its position as Ghana’s largest messaging services provider after introducing a micro-billing platform that processed payments via subscriber airtime balances. In recognition of their ground-breaking achievements, Forbes Africa Magazine named SMSGH one of the Top 20 Technology Start-Ups in 2012. 

SMSGH to Hubtel 

By 2013, SMSGH had already established itself as a thriving company. The following year, investor interest in the business soared, resulting in numerous offers of investment. However, the team made a bold decision to turn down these offers, committed to maintaining the company’s Ghanaian roots. 

SMSGH’s first financial year, 2007, was a remarkable success, all things considered.  Good times continued to roll and between 2010 and 2011, the company saw a staggering 230% increase in revenue, with annual growth rates of over 100%. However, in 2013 and 2014, the growth rate slowed to about 30%, and by 2014-2015, it had further declined to 20%. This served as a signal that it was time to pivot the company in a new direction. 

In search of the new direction, the visionary leaders joined The Stanford Seed Business Transformation program in 2016. The program’s goal was to transition the company from a primarily ‘messaging-focused’ business to one that prioritized payment and customer services. The result was the launch of the Hubtel brand and its flagship product, the Hubtel mobile application on May 12, 2017. On the back of the launch of the Hubtel app, what would become Ghana’s first super-app, the company began operations as a Payment Services Provider (Enhanced) following the receipt of approval from the Bank of Ghana in 2019. 

The willingness to change and adapt, resulting in the transformation of Hubtel from a messaging-focused business to a digital transformation services provider is a testament to the company’s unwavering commitment to growth, innovation, and excellence.  

The Hubtel App  

In the fast-paced world of technology, success is often accompanied or preceded by failure. This was certainly the case for Bram, Apenteng and Hubtel. Before the launch of the Hubtel app, in 2012, the company launched MPower Payments, a complete end-to-end online and mobile payment transactions solution that will enable consumers and merchants send, spend, and receive payments. MPower introduced the MPower Mobile Point of Sale application which allowed businesses to accept various forms of cashless payments. However, it did not achieve the desired level of success. 

Hubtel faced similar challenges when it first launched the Hubtel app in 2017. The goal was to connect customers and businesses through the app and enhance and make the commercial experience more convenient and simpler.  This goal was not achieved during its initial launch. Post launch, the Hubtel app faced numerous hiccups, system failures, and product defects. These issues ultimately led to a less than lukewarm response from the general public.  Convinced they were on the cusp of something special, the  Hubtel team persevered and launched a new drive to rebuild the Hubtel app and its accompanying platform. Within five months, the company relaunched a fully functional and refreshed product.  

Backed by innovatively discerning leaders, a focused management team and a young and tireless workforce, things began, once again, to look up for Hubtel and in 2019, Hubtel received approval from the Bank of Ghana to operate as a Payment Services Provider (Enhanced). By 2021, Hubtel was processing nearly 8.3% of all successful mobile money payments in Ghana, according to data from the Bank of Ghana and the Ghana Interbank Payment & Settlement Systems. 

At the beginning of 2023, the company celebrated a significant milestone of over 500,000 app downloads on the Google Playstore alone.   

Growth and Achievement  

Hubtel has achieved remarkable success since its rebranding in 2017. The company received a full license to operate as an Enhanced Payment Services Provider in 2022, and by the end of that year, it had become Ghana’s largest fintech company in terms of transaction turnover and revenue. 

Hubtel has, like its reputation, experienced a significant increase in staff numbers, growing from 60+ employees at the time of the rebrand in 2017 to a robust team of over 270 employees across eight cities in Ghana. Every department has grown by more than 100% in the past six years. 

This extraordinary growth is a testament to the dedication and hard work of the team at Hubtel. They have been the backbone of the company, driving its success and ensuring that goals and objectives are met. The company values and recognizes each employee’s unique contributions to its collective effort. As the company continues to blaze new trails in the technology and financial industries, it remains a shining example of what can be achieved through hard work, dedication, and a willingness to pivot in the face of changing market dynamics. The creation, and wide use of the innovative Hubtel ‘super-app’ and platform that connects users to everyday services and local retailers is a manifestation of this. 

The Next 18  

Hubtel’s 18th anniversary is not just a milestone for the company but also a testament to the power of embracing failure.  

“As a company, we have always maintained a startup mentality, constantly learning, trying new things, and embracing failure as a means of driving innovation. We are dedicated to leading the way in Africa’s digital future, with a clear vision to become the most useful company on the continent by providing a platform that enables easy access and participation in the digital economy for everyone”, Alex Bram said.  

“Never be afraid to jump at the sun, you will never reach it, but your feet will leave the ground”, this African Proverb was quoted by Alex Bram in his speech during the launch of Hubtel in 2017. Hubtel’s journey, or jump if you will, is a story of passion, resilience, adaptability, and a willingness to learn from setbacks. As Hubtel continues to expand and innovate, it remains committed to its mission of driving Africa forward by enabling everyone to find and pay for everyday essentials and keeping its feet firmly off the ground.  

Congratulations to Hubtel, the staff and management and its founders, Alex Bram and Ernest Apenteng, on this remarkable milestone. Here’s to another 18 years of embracing failure and utilizing lessons learnt to spur on innovation and growth.   

In today’s rapidly changing work environment, the traditional office setup is becoming less common. Employees today are seeking workspaces that are dynamic, personalized, and cater to their unique needs and preferences.  

At Hubtel, we recognize the importance of a well–designed and functional office experience that meets the demands of this new era. To that end, we have opened three new satellite offices located in A&C Mall, Tema TDC Mall, and West Hills Mall to offer a cutting-edge in-office experience that challenges the conventional thinking about what a workspace should be.

“Running a tech company in Accra presents many challenges,” said Alex Bram CEO of Hubtel. “The daily commute through traffic, deciding what to wear, and making countless decisions before even arriving at work. To address this, we decided to create these satellite offices closer to our team members, leveraging modern technology and good internet connectivity to stay connected and collaboratively productive.  Our aim is to remain attuned to our team’s needs and make significant yet small changes as we pivot along the way”.  

The satellite offices are designed to provide an office environment that is tailored to the modern employee, with keen focus on hyperconnectivity, and stunning aesthetics. With hyperconnectivity, the satellite offices provide seamless access to high-speed internet and other communication technologies like video conferencing tools. This ensures that Hubtel employees are productive and stay connected with their colleagues, whether working from home or in the office. In addition to hyperconnectivity, the aesthetics of our satellite offices are designed to inspire creativity and productivity.

At Hubtel, we believe that a well-designed office space can have a significant impact on employee satisfaction and efficiency. That’s why we have invested in stunning design elements that create a vibrant and inspiring work environment.  

“We are excited to announce the opening of our new satellite offices”, said Cornelis Rouloph Otoo, Head of Legal and Corporate Affairs at Hubtel. “These offices are to provide a conducive environment where our team members can work collaboratively towards achieving our collective goals. Our customers, he noted, may continue to reach us through our dedicated and responsive User Care team which is always available to provide support and respond to queries”.

Our satellite offices in major cities like Accra and Tema are revolutionizing the in-office/hybrid experience by providing a dynamic and personalized workspace that challenges conventional thinking about what a workspace should be.

In today’s rapidly changing work environment, the traditional office setup is becoming less common. Employees today are seeking workspaces that are dynamic, personalized, and cater to their unique needs and preferences.  

At Hubtel, we recognize the importance of a well–designed and functional office experience that meets the demands of this new era. To that end, we have opened three new satellite offices located in A&C Mall, Tema TDC Mall, and West Hills Mall to offer a cutting-edge in-office experience that challenges the conventional thinking about what a workspace should be.

“Running a tech company in Accra presents many challenges,” said Alex Bram CEO of Hubtel. “The daily commute through traffic, deciding what to wear, and making countless decisions before even arriving at work. To address this, we decided to create these satellite offices closer to our team members, leveraging modern technology and good internet connectivity to stay connected and collaboratively productive.  Our aim is to remain attuned to our team’s needs and make significant yet small changes as we pivot along the way”.  

Hubtel’s satellite offices are designed for modern employees, focusing on hyperconnectivity and stunning aesthetics. With hyperconnectivity, the satellite offices provide seamless access to high-speed internet and other communication technologies like video conferencing tools. This ensures that Hubtel employees are productive and stay connected with their colleagues at home or in the office. In addition to hyperconnectivity, we design the aesthetics of our satellite offices to inspire creativity and productivity.

At Hubtel, we believe that a well-designed office space can have a significant impact on employee satisfaction and efficiency. That’s why we have invested in stunning design elements that create a vibrant and inspiring work environment.  

“We are excited to announce the opening of our new satellite offices”, said Cornelis Rouloph Otoo, Head of Legal and Corporate Affairs at Hubtel. “These offices are to provide a conducive environment where our team members can work collaboratively towards achieving our collective goals. Our customers, he noted, may continue to reach us through our dedicated and responsive User Care team. They are always available to provide support and respond to queries”.

Hubtel satellite offices in major cities like Accra and Tema are revolutionizing the in-office/hybrid experience. This provides a dynamic and personalized workspace that challenges conventional thinking about what a workspace should be.

On Thursday, February 23, 2023, Hubtel had the honor of hosting a delegation from the Central Bank of Eswatini. The visit aimed to explore the fintech ecosystem in Ghana and how Hubtel, a leading fintech company, has supported financial inclusion in the country. 

From February 21 to 23, 2023, the Central Bank of Eswatini (CBE) visited the Bank of Ghana and other key players in the fintech landscape for peer-to-peer learning. Hubtel, one of the key enablers in the fintech space, was handpicked for a visit. 

The delegation from the Central Bank of Eswatini and the Bank of Ghana were received by Hubtel’s General Manager, Mr. Ernest Apenteng, and other members of the management team. 

The visit began with a brief introduction, followed by a series of presentations on the background and history of Hubtel, including an overview of the company’s mission, vision, and values, as well as its growth and achievements. 

The main session focused on Hubtel’s operations and products, with presentations on different aspects of the company’s operations and products, including key products, services, and innovations. The Hubtel team also explained how their products and services are delivered to customers. 

The CBE team received presentations on an overview of the regulatory framework for the fintech sector in Ghana and an insight into Hubtel’s relationship with its regulators. In addition to the informative sessions, the CBE team also took a quick tour of Hubtel’s offices, which showcased the company’s work environment, culture, and technology. 

In addition to the visit from the Central Bank of Eswatini, Hubtel has also recently hosted a delegation from Regulatory Authority for Electronic Communications and Post Office (ARCEP), Benin led by Lawuratu Musah-Saaka, the Deputy Executive Secretary of the Postal and Courier Services Regulatory Commission, Ghana to engage them on the company’s product and quick commerce operations, specifically courier services. The visit aimed to share knowledge and experiences on how Hubtel has provided innovative and efficient courier services to its customers in Ghana.

The ARCEP delegation was particularly interested in understanding how Hubtel has been able to overcome challenges in the courier industry in Ghana and how the company has been able to deliver efficient and reliable services to its customers. The team from Hubtel provided valuable insights and shared best practices that have helped the company to overcome challenges and improve its services over time. 

It is worth noting that Hubtel hosting visits from regulatory officials of the Central Bank of Eswatini and officials from ARCEP, Benin within a month, lends to the testament of the company’s impact in Ghana’s fintech industry. Additionally, this emphasizes the importance of collaboration between fintech companies and regulators in promoting innovation and financial inclusion. 

Hubtel remains committed to working with regulators and other stakeholders to create a more inclusive and sustainable digital financial ecosystem in Ghana and beyond. As the fintech industry continues to evolve, it is important for companies and regulators to work together to create an environment that fosters innovation and growth. 

On Thursday, February 23, 2023, Hubtel had the honor of hosting a delegation from the Central Bank of Eswatini. The visit aimed to explore the fintech ecosystem in Ghana and how Hubtel, has supported financial inclusion in the country. 

From February 21 to 23, 2023, the Central Bank of Eswatini (CBE) visited the Bank of Ghana and other key players in the fintech landscape for peer-to-peer learning. Hubtel, one of the key enablers in the fintech space, was handpicked for a visit. 

The delegation from the Central Bank of Eswatini and the Bank of Ghana were received by Hubtel’s General Manager, Mr. Ernest Apenteng, and other members of the management team. 

The visit began with a brief introduction, followed by a series of presentations on the background and history of Hubtel. The presentation also included an overview of the company’s mission, vision, and values, as well as its growth and achievements. 

The main session focused on Hubtel’s operations and products. Presentations covered different aspects of the company’s operations and products, including key products, services, and innovations. The Hubtel team also explained how their products and services are delivered to customers. 

The CBE team received presentations on an overview of the regulatory framework for the fintech sector in Ghana and an insight into Hubtel’s relationship with its regulators. In addition to the informative sessions, the CBE team also took a quick tour of Hubtel’s offices, which showcased the company’s work environment, culture, and technology. 

In addition to the visit from the Central Bank of Eswatini, Hubtel has also recently hosted a delegation from Regulatory Authority for Electronic Communications and Post Office (ARCEP), Benin led by Lawuratu Musah-Saaka, the Deputy Executive Secretary of the Postal and Courier Services Regulatory Commission, Ghana to engage them on the company’s product and quick commerce operations, specifically courier services. The visit aimed to share knowledge and experiences on how Hubtel has provided innovative and efficient courier services to its customers in Ghana.

The ARCEP delegation was particularly interested in understanding how Hubtel has been able to overcome challenges in the courier industry in Ghana and how the company has been able to deliver efficient and reliable services to its customers. The team from Hubtel provided valuable insights and shared best practices that have helped the company to overcome challenges and improve its services over time. 

It is worth noting that Hubtel hosting visits from regulatory officials of the Central Bank of Eswatini and officials from ARCEP, Benin within a month, lends to the testament of the company’s impact in Ghana’s fintech industry. Additionally, this emphasizes the importance of collaboration between fintech companies and regulators in promoting innovation and financial inclusion. 

Hubtel remains committed to working with regulators and other stakeholders to create a more inclusive and sustainable digital financial ecosystem in Ghana and beyond. As the fintech industry continues to evolve, it is important for companies and regulators to work together to create an environment that fosters innovation and growth. 

At Hubtel, we strive to make life easier for our customers. That’s why we’re excited to introduce, Event Tickets.  

With Event Tickets, customers can now purchase tickets for a wide range of paid events listed by our partner EgoTickets, right from their mobile phones. The process is simple and convenient, allowing you to browse through a wide range of events, purchase tickets, and receive an e-ticket, which can be used to access events. 

We believe that Event Tickets will further our mission to make it easy for everyone to partake in the digital economy. With this feature, we’re providing a user-friendly and convenient platform, where attendees can easily browse through a wide range of events, book and pay with their preferred payment method, and receive their e-tickets immediately. 

For event organizers, Event Tickets offers a unique opportunity to reach a broader range of potential attendees.  

We believe that ‘Event Tickets’ will change the way Ghanaians book for events and we’re committed to making the experience better for our customers as such, we are excited to announce that in the coming months, we’ll be expanding the Event Tickets feature by partnering with other event ticket vendors, to offer a more extensive selection of events. We’ll also be adding new features, such as the ability to filter events by location, date, and time, and the option to share events with friends and family. 

Download the Hubtel app here hubtel.com/app

At Hubtel, we strive to make life easier for our customers. That’s why we’re excited to introduce, Event Tickets.  

With Event Tickets, customers can now purchase tickets for a wide range of paid events listed by our partner EgoTickets, right from their mobile phones. The process is simple and convenient, allowing you to browse through a wide range of events, purchase tickets, and receive an e-ticket, which can be used to access events. 

We believe that Event Tickets will further our mission to make it easy for everyone to partake in the digital economy. With this feature, we’re providing a user-friendly and convenient platform, where attendees can easily browse through a wide range of events, book and pay with their preferred payment method, and receive their e-tickets immediately. 

For event organizers, this offers a unique opportunity to reach a broader range of potential attendees.  

We believe that ‘Event Tickets’ will change the way Ghanaians book for events and we’re committed to making the experience better for our customers as such, we are excited to announce that in the coming months, we’ll be expanding the Event Tickets feature by partnering with other event ticket vendors, to offer a more extensive selection of events. We’ll also be adding new features, such as the ability to filter events by location, date, and time, and the option to share events with friends and family. 

Download the Hubtel app here hubtel.com/app

Hubtel, a leading technology company in Ghana, has demonstrated its commitment to developing top engineering talent in the country. The company recently honoured an invitation by the School of Engineering Sciences at the University of Ghana to attend proposal presentations of Final Year Projects for undergraduate students at the Department of Computer Engineering.  

As part of its mission to identify and groom top talent, Hubtel saw this as a unique opportunity to connect with the best and brightest engineering students in the country. By partnering with the University of Ghana, Hubtel aims to bridge the gap between academia and industry, providing students with practical experience and networking opportunities while also identifying top talent for its Engineering Department. This proposed partnership is also timely for the School of Engineering Sciences which celebrates its 20^th anniversary this year.  

“We believe that investing in top engineering talent is critical to our success as a company,” said Augustine Adjei, Head of Engineering at Hubtel. “By partnering with the University of Ghana, we can scout and develop the best and brightest young engineers in the country, and provide them with the skills and resources they need to thrive in the industry.” 

In addition to attending the proposal presentations, Hubtel is also in talks to sponsor a portion of the graduation awards for the School of Engineering Sciences, including the best project work. This demonstrates the company’s commitment to supporting academic excellence and promoting innovation in the engineering field. 

As a progressive company, Hubtel is dedicated to staying at the forefront of technological innovation in Ghana and beyond. By investing in top engineering talent, the company is positioning itself as a leader in the industry.  

The proposed partnership between Hubtel and the University of Ghana’s School of Engineering Sciences highlights the importance of collaboration between academia and industry. By working together, companies like Hubtel can offer young engineering talents the needed opportunity to grow in the field, while also contributing to the development of the engineering field in the country.  

Hubtel’s commitment to developing top engineering talent in Ghana is unwavering, and in the coming months, the company will be expanding its efforts to other universities in the country. 

Kokomlemle, Accra –– January, 2022: Hubtel, Ghana’s leading payments, quick commerce, and messaging technology company, was the big winner at the just–ended Ghana Fintech Awards which took place on January 27, 2022 at the Labadi Beach Hotel.

Hubtel picked up five awards­­––the most by any company on the night of the awards, including the coveted “Fintech Company of the Year” award. The awards won by Hubtel as a company were:

• IT/Tech Firm of the Year
• Fintech Platform of the Year
• Fintech Company of the Year
• UI/UX Fintech Company of the Year
• Leading Payments Technologies Service Provider of the Year

Hubtel’s innovative solutions and commitment to providing user-friendly platforms have been recognized and celebrated by the industry. The awards won by Hubtel serve as a testament to the company’s dedication to driving innovation and promoting financial inclusion in Ghana. 

In addition to these awards, the night also saw Elsie Bram, the Head of Quick Commerce at Hubtel, win the “Female Fintech Personality of the Year” award that recognizes the achievements of women in the fintech industry.

Elsie has played a pivotal role in the success, development and growth of Hubtel’s “quick commerce” operations which are currently available in Kumasi, Cape Coast, Takoradi, Koforidua, Tamale, Ho, Accra and Tema. She joined the company in 2007 as the Mobile Campaigns Manager, responsible for the Premium SMS content services. Under her leadership, Hubtel became one of the top three content providers in Ghana. Throughout her time with Hubtel, she has held several prominent positions, such as Country Marketing Manager and Head of Customer Support.

“We are thrilled to have received these awards, it reflects the hard work and dedication of our entire team,” said Elsie Bram. “Being recognized by the industry is a great honor and we will continue to strive for excellence in driving innovation in the financial technology sector in Ghana” she added. 

Augustine Adjei, Head of Engineering, and Nana Owusu Marfo, Head of User Experience & Marketing, also expressed their joy at the recognition of their contributions to the platform and user experiences on Hubtel as Hubtel received the Fintech Platform of the Year and UI/UX Fintech Company of the Year awards, respectively. Their work has been instrumental in delivering user-friendly platforms that have been widely celebrated by the industry.

Augustine, on behalf of management of Hubtel congratulated the other winners of the night on their well-deserved recognition.

“We would also like to extend our congratulations to all the other award winners of the night. Your contributions to the growth and success of the fintech industry in Ghana are deeply valued and we are proud to be a part of this thriving community”, he said. 

Arkel Consult and Management Services organized the awards ceremony to acknowledge and celebrate those who have played a significant role in driving last mile solutions, promoting Ghana’s competitive advantage in the FinTech space, and working towards building a resilient and inclusive financial system for economic growth. The Ghana FinTech Awards serves as a platform to recognize and appreciate the efforts of those working towards the development of Ghana’s FinTech industry.

About Hubtel

Hubtel is Ghana’s leading payments, quick commerce, and messaging technology company. The company provides innovative solutions that make it easy for businesses and individuals to make and receive payments, buy and sell goods and services, and communicate with one another.

The Hubtel App is Ghana’s first full-feature quick commerce platform, connecting retailers and service providers to customers. It is a simple way to find and pay for everyday essentials nearby. 

Hubtel operates with a full license of the Bank of Ghana as a Payment Service Provider (Enhanced) and was recommended for a national award for its role in the digitization of Government of Ghana payment services through the Ghana.GOV payment platform.  

The Hubtel mobile app is available for Android, iOS, and Huawei phones. Users can also go to www.hubtel.com. 

Kokomlemle, Accra –– December 2022: The leading name in quick commerce, messaging, and payments in Ghana, Hubtel, has spread its tentacles to the Northern Region of Ghana. 

Hubtel has doubled down on efforts to take digital inclusion to every corner of the nation. Earlier this year, the company launched operations in Cape Coast and followed it up with a community engagement launch in the flower city––Koforidua. This was after it successfully launched in Takoradi a year prior. By this announcement, Tamale has become the 7th operational city of Hubtel across Ghana. 

According to Population Stat, Tamale has a population total of 701,000, a growth projected to reach almost a million in 2026. The introduction of Hubtel in Tamale will enhance the city’s digital commerce by offering flexible, seamless, and convenient digital transactions through its platform. Natives of the city can now find and pay for everyday essentials with ease. In addition to offering an all-inclusive platform for customers to find and pay for everyday essentials from nearby vendors and retailers, Hubtel is also providing a seamless retailer-customer engagement, making it easier for both parties to connect.

On launching in Tamale and what it means to the company, Head of Commercial and New Markets, Gershon Akoto, in an interview said; “Up until today, Hubtel users in Tamale have been able to send money and SMS. They were also able to pay for services like airtime, internet data, DSTv and GOTv. Today’s launch means they can even do more with the Hubtel App and website. Users can conveniently order for food, groceries and more on the Hubtel and receive it within minutes in the comfort of their homes or offices”.  

“Today’s float has helped us reach out to new customers and interact with potential partner retailers. Everyone has been very welcoming and we are very confident Hubtel will work with the people of Tamale for a long time to come”, he added.  

Mrs. Elsie Bram, the Head of E-commerce ats Hubtel, spoke about the launch and stated that the company’s goal is to make digital inclusion accessible to everyone. 

“Our vision as a company is to be Africa’s most useful company; building a platform that everyone can find, pay and easily partake in the digital economy”, Mrs. Bram said.  

“We want to be useful to both customers and retailers across Africa, and the only way to achieve that is by deliberately and strategically deploying our product and services to every part of Africa, starting from our homeland, Ghana. We recently overhauled our mobile application by redesigning the user experience, and among other useful features, adding a Health and Wellness feature where users have the option to order drugs from Pharmacies nearby. Hubtel wants to be your go-to app for everything you need to make life easier.”, she added.

Businesses can use Hubtel to take payments from any mobile money, Visa or MasterCard user, in addition to that, individuals can send money to any mobile money or bank account, order for food, groceries, and more and track to receive them in minutes, buy airtime, data and pay bills on Hubtel. 

About Hubtel 

Hubtel is Ghana’s first full-feature quick commerce platform, connecting retailers and service providers to customers. Hubtel operates with a full license of the Bank of Ghana as a Payment Service Provider (Enhanced) and was recommended for a national award for its role in the digitization of Government of Ghana payment services through the Ghana.GOV payment platform. 

The Hubtel App 

The Hubtel app is a simple way to find and pay for everyday essentials from nearby vendors and retailers. From airtime, jollof, shoes, money transfer, and bill payments. It also makes sending SMS and receiving payments from a large group of people much easier. 

Get the App 

The Hubtel mobile app is available for Android, iOS, and Huawei phones. Users can also visit hubtel.com/app