This study investigates the evolution of monetary policy in Ghana and explores the potential of Central Bank Digital Currencies (CBDCs), specifically the e-Cedi, as a tool to enhance financial inclusion and modernize the country’s financial system. Ghana’s monetary policy framework has undergone significant transformations since the establishment of the Bank of Ghana in 1957, with notable achievements in stabilizing the economy and managing inflation. However, large segments of the population, particularly in rural areas, remain unbanked or underbanked, highlighting the limitations of traditional monetary tools. The introduction of the e-Cedi presents an opportunity to bridge these gaps by providing secure, efficient, and accessible financial services to underserved communities. The study employs a qualitative research design, integrating historical analysis, case studies, and thematic analysis to assess the potential benefits and challenges of CBDCs in Ghana. Key findings indicate that while the e-Cedi could significantly enhance financial inclusion, challenges related to technological infrastructure, cybersecurity, and public trust must be addressed. The study concludes that a balanced approach, which prioritizes digital infrastructure development, strong cybersecurity measures, and collaboration with financial institutions, is essential for maximizing the potential of CBDCs in Ghana. Recommendations for future research include a deeper exploration of the impact of CBDCs on financial stability and further analysis of rural adoption barriers.

Scientists have harnessed the diverse capabilities of nanofluids to solve a variety of engineering and scientific problems due to high-temperature predictions. The contribution of nanoparticles is often discussed in thermal devices, chemical reactions, automobile engines, fusion processes, energy results, and many industrial systems based on unique heat transfer results. Examining bioconvection in non-Newtonian nanofluids reveals diverse applications in advanced fields such as biotechnology, biomechanics, microbiology, computational biology, and medicine. This study investigates the enhancement of heat transfer with the impact of magnetic forces on a linearly stretched surface, examining the two-dimensional Darcy-Forchheimer flow of nanofluids based on blood. The research explores the influence of velocity, temperature, concentration, and microorganism profile on fluid flow assumptions. This investigation utilizes blood as the primary fluid for nanofluids, introducing nanoparticles like zinc oxide  and titanium dioxide (. The study aims to explore their interactions and potential applications in the field of biomedicine. In order to streamline the complex scheme of partial differential equations (PDEs), boundary layer assumptions are employed. Through appropriate transformations, the governing partial differential equations (PDEs) and their associated boundary conditions are transformed into a dimensionless representation. By employing a local non-similarity technique with a second-degree truncation and utilizing MATLAB’s built-in finite difference code (bvp4c), the modified model’s outcomes are obtained. Once the calculated results and published results are satisfactorily aligned, graphical representations are used to illustrate and analyze how changing variables affect the fluid flow characteristics problems under consideration. In order to visualize the numerical variations of the drag coefficient and the Nusselt number, tables have been specially designed. Velocity profile of -blood and -blood decreases for increasing values of  and , while temperature profile increases for increasing values of  and . Concentration profile decreases for increasing values of , and microorganism profile increases for increasing values of . For rising values of  and  the drag coefficient increases and the Nusselt number decreases for rising values of  and  The model introduces a novel approach by conducting a non-similar analysis of the Darchy-Forchheimer bioconvection flow of a two-dimensional blood-based nanofluid in the presence of a magnetic field.

Solid waste has become a major environmental concern globally in recent years due to the tremendous increase in waste generation. However, these wastes (e.g., plastics and agro-residues) can serve as potential raw materials for the production of value-added products such as composites at low cost. The utilization of these waste materials in the composite industry is a good strategy for maintaining the sustainability of resources with economic and environmental benefits. In this report, the environmental impacts and management strategies of solid waste materials are discussed in detail. The study described the benefits of recycling and reusing solid wastes (i.e., plastic and agro-waste). The report also reviewed the emerging fabrication approaches for natural particulate hybrid nanocomposite materials. The results of this survey reveal that the fabrication techniques employed in manufacturing composite materials could significantly influence the performance of the resulting composite products. Furthermore, some key areas have been identified for further investigation. Therefore, this report is a state-of-the-art review and stands out as a guide for academics and industrialists.