By establishing a direct payment framework with TikTok, GCB could eliminate inefficiencies, ensure creators keep more of their earnings, and unlock new opportunities in the fast-growing digital economy

Ghana Commercial Bank (GCB) has proposed a new payment framework aimed at ensuring Ghanaian TikTok creators receive their earnings seamlessly and securely. The initiative was tabled during a courtesy call on September 2 by a GCB delegation, led by Chief of Staff Abraham Ferguson, to the Minister for Communication, Digital Technology, and Innovations, Hon. Samuel Nartey George (MP).

The bank positioned itself as a potential official payment gateway for TikTok payouts in Ghana, citing its extensive infrastructure and readiness to support the creative economy. According to Ferguson, GCB’s connectivity with global payment networks such as MasterCard and Visa, alongside its ability to process payouts through MoMo wallets and direct bank accounts, makes it well-placed to manage cash-outs and gift revenues for creators. He noted, “The bank's primary aim is to find a way for Ghanaians to get paid for their content and manage cash-outs for gifts received.”

Hon. Samuel Nartey George strongly endorsed the proposal during the meeting, which also included TikTok’s West Africa representative, Ms. Tokumbo Ibrahim. He argued that routing creator payments through GCB Bank would eliminate reliance on costly third-party intermediaries, allowing Ghanaian talent to retain more of their earnings.

For TikTok, Ms. Ibrahim committed to reviewing the feasibility of the partnership. Should the proposal move forward, GCB Bank said it is prepared to immediately begin technical and regulatory processes to establish a direct connection with TikTok. This would include setting up integration teams and formalising a framework with relevant financial authorities.

The move comes at a time when TikTok is experiencing rapid growth in Africa, becoming a major platform for young creators to build audiences and monetize content. In Ghana, TikTok has not only reshaped entertainment but also created new opportunities in advertising, influencer marketing, and e-commerce. However, one of the biggest challenges remains ensuring creators can access their earnings in a transparent, cost-effective way.

TikTok’s growing influence in West Africa makes the proposed GCB Bank partnership particularly significant. The region now accounts for 41.5 million active TikTok users — 2.6% of the global total, according to Datareportal— making it the second-largest TikTok market in Africa after Northern Africa (5.7%). This underscores the platform’s massive role in shaping digital culture and entrepreneurship across the subregion.

For Ghanaian creators, a localized payment framework could unlock a share of this fast-expanding market, ensuring they are not disadvantaged compared to peers in Nigeria, Kenya, or South Africa who already benefit from more established payout systems. If implemented, the GCB-TikTok collaboration could strengthen Ghana’s position as a hub in the regional digital economy, enabling creators to monetize effectively and tap into the IFC-forecasted $712 billion contribution Africa’s digital economy could add to GDP by 2050.

Hikmatu Bilali