Parts 1 and 2 examined mobile money's sixteen-year journey: how adoption actually happened (not as policy predicted), and where assumptions diverged from reality.  This is Part 3: the lessons learned, and the work still ahead.  Lessons for Ghana's Next Digital Finance Chapter   Ghana now stands at the threshold of a new digital finance era, characterised by digital public infrastructure for identity, payments, and data, instant interoperable payment systems, API-based integra