Consolidated Bank Ghana (CBG) is a government-owned indigenous bank established in 2018 by consolidating seven struggling banks. It offers personal, business, and digital services, including loans, savings, and custodial services. CBG targets the mass market and SME sectors, providing unique financial products tailored to informal traders and small businesses. Its unique selling proposition is leveraging technology to support SMEs and digitize businesses in a largely cash-based economy, while offering convenience through mobile and internet banking services[1][2][3].