We’re excited to announce that Humanics Lab is expanding its innovation frontier by entering the Banking-as-a-Service (BaaS) space, beginning with Ghana as our launch market. This new initiative is part of our commitment to accelerating financial inclusion, digital transformation, and entrepreneurship in Sub-Saharan Africa.

Why Banking-as-a-Service?

Banking-as-a-Service provides the infrastructure and tools that allow fintechs, startups, and even non-financial companies to offer banking and financial services through APIs—without building a full-fledged bank. This model reduces barriers, speeds up innovation, and helps reach underserved populations.

Why Ghana?

Ghana is fast becoming a regional fintech hub, with a growing demand for digital financial services and a progressive regulatory environment. With a young, tech-savvy population and increasing mobile penetration, the time is right to introduce flexible, scalable, and inclusive financial solutions.

What Humanics Lab Will Offer

Through partnerships with global and regional BaaS providers, Humanics Lab will support:

• Startup Integration: Helping fintechs and digital platforms integrate banking services like e-wallets, savings, lending, and payments.

• Regulatory Navigation: Providing strategic guidance to navigate local financial regulations.

• Technology Enablement: Offering plug-and-play API access to banking infrastructure.

• Financial Inclusion Initiatives: Creating community-focused programs to bring banking services to underserved populations.

Strategic Goals

• Enable at least 5 digital platforms and fintech startups to integrate financial services within the first 12 months.

• Collaborate with local banks, regulators, and telcos to ensure interoperability and compliance.

• Develop use cases focused on youth empowerment, women-led enterprises, and climate-resilient economies.

What’s Next?

Humanics Lab is currently engaging with partners, regulators, and ecosystem stakeholders to lay the groundwork for implementation. We invite:

• Fintech startups

• Banks and MFIs

• Government and regulatory bodies

• Tech platforms and mobile operators

to collaborate with us in co-creating the future of digital banking in Ghana.

Stay tuned for pilot announcements and partnership opportunities. Together, let’s build Africa’s financial future—one API at a time.

To learn more or express interest, contact us at admin@humanicslab.com