With Ghana’s GDP projected to rise, Mr Opuni emphasised that the timing was right for strategic capital deployment. He pinpointed four critical growth engines for the coming year: SMEs, agriculture, sustainable extractives, and regional trade.

Mr Opuni highlighted the pivotal role of small businesses, noting that “SMEs form the backbone of Ghana’s economy, contributing to employment, innovation, and local value.”

He detailed Fidelity Bank’s active role in this ecosystem, citing strategic investments and partnerships with the Mastercard Foundation and Proxtera. These collaborations, he explained, “have enabled better access to capital and technical support for high-potential businesses, offering scalable and diversified opportunities for investors.”

On the agricultural front, Mr Opuni was bullish on the potential of agri-processing saying, “We view this sector as essential to food security, job creation, and foreign exchange generation,” he said.

“Agriculture, especially horticulture and agri-processing, holds major potential. Our work with FAGE, the Export Club, and initiatives like Bridge in Agric, which has disbursed over GH¢145 million, is helping to formalise and grow the sector,” he said. He noted that the government’s programmes such as Feed Ghana were making the space more structured and attractive to investors.

Addressing the rapid digitisation of Ghana’s financial sector, Mr Opuni described how Fidelity Bank was leveraging technology not just for efficiency, but for deeper inclusion.

“At Fidelity Bank, digital innovation drives both internal transformation and external growth; key pillars of a future-ready institution,” he told Global Investor. “We’re using automation to streamline operations, reduce costs, and improve speed,” he said.

“Upgrades to our Mobile App and USSD platforms, plus innovations like Kukua, our WhatsApp banking assistant, have led to higher transaction volumes and stronger customer engagement.”

He further elaborated on the bank’s collaborative approach with fintechs to solve the problem of credit access for the underserved market. “We’re also co-developing tools with fintechs that go beyond traditional banking, like cash-flow-based lending and behavioural credit scoring,” Opuni explained. “This digital ecosystem is unlocking new opportunities for embedded finance and data-driven innovation.”

With global capital increasingly seeking sustainable avenues, Mr Opuni framed Fidelity’s ESG strategy as a core business driver rather than a peripheral activity.

“Fidelity’s sustainability strategy is built around three pillars: Sustainable Finance, Sustainable Operations and CSR,” he outlined. He highlighted agriculture, renewable energy, and youth-led enterprises as high-potential segments. He then pointed to the bank’s GreenTech Innovation Challenge and the Fidelity Young Entrepreneurs initiative as a prime example of how the bank supports ventures that were “scalable and aligned with both commercial and impact objectives.