Ghana's financial system works, and often impressively so. Payments move in real time. Mobile money has become second nature. Interoperability, once aspirational, is now routine. To many observers, this looks like a system that has arrived. But systems do not fail because they are unused. They fail because they are unfinished. Over the past decade, Ghana has done an admirable job regulating financial products: wallets, transfers, agent networks, lending models, and foreign-ex