Bridging Global Finance and Decision Analytics: Strategic Lessons from Ghana's Banking Sector to U.S Fintech Innovations.

• Author(s): Patience John-Chukwu
• Paper ID: 1710782
• Page: 1167-1175
• Published Date: 23-09-2025
• Published In: Iconic Research And Engineering Journals
• Publisher: IRE Journals
• e-ISSN: 2456-8880
• Volume/Issue: Volume 9 Issue 3 September-2025

Abstract

This study discusses the dynamic interaction between world finance and the art of decision making by strategically learning from the banking sector of Ghana and also applying such to the fintech innovations of the United States. It examines how decision-making models, financial inclusion policies, regulation, and technology practices formulated in a developing economy can be useful in illuminating the developed financial systems. The banking sector in Ghana has led the innovation of mobile money, agent banking, and non-traditional scoring of credit details based on non-conventional information like telecom use, payment of electricity and water bills. The innovations have led to financial inclusion of the underserved and a cost-effective model of service delivery. On the other hand, the U.S. fintech environment, despite the high level of technological innovation, has to deal with such risks as regulatory disintegration, inequities in credit, and the proliferation of cyber threats. The research takes place through qualitative and comparative case study methodology, in which a combination of semi-structured interviews, document review, and thematic analysis is used as the study explores both ecosystems. The most significant findings indicate that Ghana has a regulatory sandboxing, customer-oriented design, and cost-efficient innovations that offer practical and scalable lessons to U.S. fintech companies that hope to enhance more inclusivity and efficiency. The argument is a synthesis of the available literature and field evidence pointing to the harmonies and disparities between the two systems. The study emphasizes the importance of cross-border learning as well as reverse innovation, implying that the sustainable development of fintech should include not only high-tech options but also those facilitated by local strategy adjustments. This research ends with policy, practice, and research suggestions that call on collaborative systems, adaptive rulings, and integrative decision analytics to unite financial systems across the entire globe.

Keywords

Decision Analytics, Financial Inclusion, Fintech Innovation, Ghana Banking Sector, U.S. Fintech, Regulatory Sandbox, Alternative Data, Comparative Finance

Citations

IRE Journals:
Patience John-Chukwu "Bridging Global Finance and Decision Analytics: Strategic Lessons from Ghana's Banking Sector to U.S Fintech Innovations." Iconic Research And Engineering Journals Volume 9 Issue 3 2025 Page 1167-1175

IEEE:
Patience John-Chukwu "Bridging Global Finance and Decision Analytics: Strategic Lessons from Ghana's Banking Sector to U.S Fintech Innovations." Iconic Research And Engineering Journals, 9(3)