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Moving away from passwords in the era of technology

The outbreak of the COVID-19 pandemic has led many people to fall back extensively on digital infrastructure–be it collaborating virtually with co-workers and clients across geographies or ordering essential goods and services through e-commerce portals.

 If demonetisation was the first impetus, COVID-19 may well be the second to accelerate the use of digital payments. The countrywide lockdown has, on the one hand, propelled citizens to go digital and, on the other, migrated a new set of consumers into the digital payments ecosystem. However, like the World Economic Forum’s Global Risks Report 2020[1] mentions, data theft is one of the top risks that businesses are likely to face in the long term. And with this unprecedented digital dependency, what becomes critical is safe and secure access to online services and unwavering data protection of organizations and consumers. With a possible rise in cyber attacks under the current circumstances this is a much-needed step.

How effective are passwords?

Even though computer passwords have come a long way since the 1960s, the traditional methods of keying in a password, including additional security questions is still not tamper-proof, as the information is often misspelt, forgotten or stolen. With compromised credentials responsible for over 80% of data breaches as per Verizon Breach Investigations Report 2019 at a time when remote working is gathering steam, and is being contemplated as a long-term move, employees, the human element, can prove to be the weakest link in an organization’s security chain.Hence, organizations are now realizing the need to adopt strategies that depend less on passwords, by implementing multi-factor authentication systems.

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Technology to the rescue

The penetration of sophisticated smartphones and tablets equipped with fingerprint sensors and high-quality cameras and speakers, have enabled the integration of biometric authentication in everyday life. These devices often form the core of working remotely, with VPN authentication, email access, document editing and collaboration tools, all possible on a smartphone. While this clearly reflects the findings of a Visa survey[2] released in 2018 – that stated consumer’s inclination to adopt at least one method to verify their identity – it also showcases their desire to drift away from legacy authentication methods like passwords that need to be typed. The same can be extended to banking, payments and other transactions where security is pertinent.

Time to adapt

The payments ecosystem is evolving and so should the waysin which we keep it secure. New authentication and anti-fraud technologies are making signatures and PINs optional for issuers and merchants. For instance, since the last one year, the regulator has mandated issuers to issue EMV chip-enabled contactless payment cards.Besideschanging consumer behaviour, which is embracing mobile technology to pay –payments is also being driven by mobile technology.

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Hence as the payments industry starts adopting digital forms, the tokenization of card credentials will help banks and digital payment service providers to offer consumers a safe, simple and consistent

purchase experience, regardless of where they are and what device they use to pay, playing an important role in moving away from passwords.

Another technology that will play a key role in securing payments, especially with more connected devices, is EMV®3-D Secure. This will deliver rich data to financial institutions and merchants to better authenticate consumers and reduce fraud on transactions made via a mobile or desktop browser, app, or connected device. Using sophisticated artificial intelligence across more than 100 applications and capabilities enables Visa to create a more secure payments ecosystem without sacrificing consumer experience. Machine Learning analyses fraud migration patterns that help issuers verify card applications in near real-time and at scale.

Though the current pandemic trains its focus on safe and secure digital payments for consumers, convenience is in the eye of the cardholder.

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Highly secure payment systems remove a key challenge for the digital ecosystem – the dropout of consumers from digital payments – and bolster consumer experience without foregoing convenience. With seamless, secure payments where authentication and verification move to the background, the dependence on keying in passwords and security questions will reduce considerably, ultimately more convenient for the consumer.

 The writer is the Country Manager, Visa Ghana

By Adoma Peprah


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Artificial Intelligence in Ghanaian workplaces: Opportunities, concerns, and the way forward

Artificial Intelligence (AI) is no more a remote concept for organ­isations in Ghana. Recent research has highlighted the significant impact AI is having in remodelling workplaces in Ghana, unveiling a mix of opportunity, anxiety, and a pressing call for coordinated nation­al response. A study focusing on a Ghanaian service organisation in the advertising industry investigated how AI influences employee skills development. The results paint a picture of a technological shift that is rapidly gaining ground in the local workplace, albeit with mixed impli­cations for the workforce.

AI and employee upskilling: A double-edged sword

The study found a statistically sig­nificant, though moderate, positive relationship between AI deployment and employee upskilling. Employees exposed to AI technologies were more likely to enhance their capa­bilities—particularly in areas such as data analysis, digital literacy, and continuous learning. This find­ing aligns with global trends where AI is facilitating learning adaptation and professional growth.

However, the research also pointed out a sobering reality that AI adoption often comes together with workforce downsizing. The data showed a strong correlation between AI implementation and employee redundancies, raising red flags about job security for many Ghanaians.

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“While AI can help employees do their jobs more effectively, it also automates tasks that previously required human effort”, the author noted. “This duality—simultane­ously empowering and displacing workers—is at the heart of the AI debate.”

Organisational relevance and the AI imperative

Despite these challenges, organ­isations embracing AI are seeing positive results in terms of rele­vance and competitive advantage. The study confirmed a statistically significant relationship between AI adoption and organisational effec­tiveness, though the influence was not overwhelmingly strong. This suggests that while AI can enhance efficiency, it must be strategically integrated into business models to be fully effective.

Yet, many Ghanaian companies, especially SMEs, remain hesitant. Barriers such as lack of technical infrastructure, fears of losing con­trol to algorithms, and low digital literacy rates hamper widespread adoption. This is echoed in South African and broader African con­texts, where similar patterns of resistance and slow uptake prevail.

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Current AI issues in the Ghana­ian workplace

Ghana faces several unique challenges in integrating AI into its workplaces:

Unlike Kenya or Rwanda, Ghana lacks a clear national AI policy or roadmap. This absence of legal frameworks and guidelines hinders sustainable, responsible AI imple­mentation.

The study revealed that while some staff have received training— primarily on Microsoft 365 Copilot— many are limited in their exposure. This creates a lopsided workforce where a few benefit, and many lag behind.

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The largest demographic in the study (27.5 per cent) was aged 18–25. Without deliberate interven­tions, this youth cohort faces a high risk of being left behind by AI-driv­en changes.

Employee sentiment toward AI is mixed—13 per cent expressed enthusiasm, while over 20 per cent were wary or pessimistic. This shows the emotional toll and uncer­tainty surrounding AI’s future role in jobs.

The way forward

To harness AI’s benefits while mi­nimising its risks, Ghana must adopt a strategic, inclusive approach:

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The government should develop a comprehensive AI framework that supports innovation while protect­ing workers’ rights. Such a policy should include data protection laws, ethical AI guidelines, and incentives for private sector adoption.

Organizations must invest heavily in upskilling and reskilling employ­ees. These programmes should not just focus on technical skills but also foster soft skills such as critical thinking, adaptability, and digital literacy.

Educational institutions should embed AI and digital economy top­ics into basic, secondary, and tertia­ry curricula. Producing AI-literate graduates is key to future-proofing the workforce.

Collaboration between govern­ment, industry, and academia is essential to pool resources, share expertise, and drive AI readiness across sectors.

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As AI transforms work, employers must provide psychological support and foster inclusive environments. Change management strategies are essential to guide employees through this transition.

Conclusion

AI is here to stay, and Ghanaian workplaces are beginning to feel its presence. While the promise of enhanced productivity and com­petitiveness is real, so are the threats of job loss and exclusion. The research findings make it clear: the future of work in Ghana must be one where technology and human development evolve togeth­er. Without deliberate, inclusive policies and strategic foresight, the country risks widening inequality and stifling innovation. But with the right investments and political will, Ghana can turn AI from a threat into an engine of inclusive econom­ic growth.

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By Esther J.K. Attiogbe (PhD)

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Obituaristic and marital nonsense

Some churches are not encouraging members to opt for wake- keeping in any event of death of a member

It was a yearly ritual. Every year, on the day her husband died, she dressed up beautifully, went on top of his grave and danced to her satisfac­tion. For several hours, she’d boogie up and down, style after style, until she could dance no more. She’d then de­scend the grave and walk home panting yet contented.

Sikaman Palava
Sikaman Palava

When asked by reporters why she had taken to the yearly open-air disco dancing, the widow said it was in honour of DEATH which took away her husband. “When he was alive. I never had a moment’s peace,” she said.

What an honest confession about a dead person. She minced no words. The man gave her no peace, and that was exactly what she was saying. A widow in Sikaman would dare not say that of her deceased husband. His fam­ily members would procure pick-axes, hoes and cutlasses and descend on her with red eyes and tear her to pieces.

Problems associated with modern-day funerals is the wake-keeping

It is traditionally not proper to speak ill of people when they are dead, but some people are beginning to feel that the custom of speaking well about even dead criminals at funerals is not helping society either.

They claim that if the living know that all their misdeeds will be recount­ed at their funeral when they are dead, they will endeavour not to misconduct themselves while alive. I think that is a valid point, because the dead have had it too easy.

When someone volunteered to say that a deceased fellow died of alcohol, his neck was nearly twisted. What right did he have to air the cause of death even if it was true that the guy had died of too much bitters? In any case, did he perform any post mortem to ascertain the cause of death? And for what earthly or heavenly reason did he have to associate their loved one with an evil called ALCOHOL? “Next time you talk nonsense, we shall physically weaken your jaw.

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It was at a funeral when a pastor undertook to say nice words about a dead common criminal that he was cor­rected by the deceased’s own profes­sional comrade.

He raised his right hand to signify that he wanted to chip in a point of or­der as the resident pastor spoke of how exemplary the dead man’s ways were. When no one bothered to give him the chance, he stood up and raised both hands, meaning that he had the con­stitutional right to slot in a rejoinder before the lies became over-whelming.

He was heavily drunk. Asked what he wanted to say, he broached the sub­ject that first and fore-most, he would recommend that the pastor be ex-com­municated from the church because he was a congenital liar, a quality unbecoming of a clergyman. He then proceeded to say the deceased was a criminal just like himself and deserved no praises in any church.

He intimated that the deceased, when he was alive, cheated him out of a booty, not once or twice, but many times, for which he never forgave him till he died. He said such a person’s body should not be brought to contam­inate the holiness of a church room. Before church elders could drag him out, he had spoken his mind.

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I guess if the dead man had a soul that was present where he was laid in state, the soul would have repented right in the church room.

Well there are many problems associated with modern-day funerals. One of them which is getting solved gradually is the wake-keeping palaver. The Akyem Abuakwa Traditional Council has banned wake-keepings as a means of cutting down cost of funerals in the traditional area. The Presbyteri­an Church is also not encouraging its members to opt for wake- keeping in any event of death of a member.

What are wake-keepings for any­way? When there were no mortuaries in the past, wake was kept because fami­ly members could not leave their dead bodies and go to bed. Keeping wake has, therefore, outlived its usefulness in present day circumstances.

A wake-keeping today is an occasion where you can get a married woman drunk and seduce her, where young girls elope with married men for amo­rous purposes, and where people either get married or lose their spouses. Ev­erything is under the cover of darkness, supervised by Jimmy Satan.

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A funeral that is without an elabo­rate wake-keeping can save at least a lot of money. A funeral that is without frivolous eating and boozing can also save a fortune. The dead must not be a burden for the living, just like getting married shouldn’t be any big deal.

The average Sikaman bride is married at least three times without any sane reason. Her Caucasian or Anglo-Saxon counterpart gets married just once in a very simply ceremony.

Why are many young men unable to marry? The fact is that they can’t. They don’t have the dough. They must KNOCK DOOR, ENGAGE and WED-three in one. By the time they are through, they are in debt to a tune of 5 million. No marriage is stable when the founda­tion is built on a $5 million debt.

I guess my great grandfather mar­ried his loving wife with two bottles of akpeteshie, five tubers of yam and a bottle of zomi. Check out how much I have to spend when I want wife. You can’t get a woman with akpeteshie, yam tubers and palm oil anywhere in Sikaman today. Even in the remotest cottage, they ask you to “do wedding”. It is a command, not a suggestion.

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The result is that the young men can’t get married, and once they are virile and not impotent, they continue impregnating the young and unmarried girls, littering communities with kids born out of wedlock, many ending up as the street kids we see everywhere hawking barefoot instead of studying in school.

This article was first published

on Saturday, April 18, 1998

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