Profile
- Name:
Gloria Ada Niiquaye
- Vocational training:
Qualified insurance and finance specialist, Bachelor of Science and E-Commerce
- Professional background:
Professional experience in the insurance sector and in agile product management (cybersecurity, telecommunications and payments)
- Business Idea:
Remittance solution focusing on healthcare services
- Company Name:
COMESO
- Website:
- Business site:
Accra, Ghana
- Awards:
BMZ Engagement Award 2026
Ghana Fintech Leader of the Year 2022
Taking care of people who are looking for protection and security is in my heart and mind. As an insurance broker, I did that through analogue means. My business COMESO now allows me to do it digitally and to reach more people.Gloria came to Germany when she was two years old. One day, her aunt in Ghana fell sick. Gloria’s mother sent money in order for her to get treatment. The money got there. However, it was not used for her aunt’s treatment, leading to her untimely death. This tragic experience, along with many similar stories of misappropriated remittances, inspired Gloria to develop a digital remittance solution.
Together with her business partners from Eritrea and Sri Lanka, she aims to ensure that funds sent for healthcare are used as intended. Her innovative system allows people in the European Diaspora to ensure that their families back home receive proper healthcare. A voucher system integrated into the platform makes sure that the money is used for its intended purpose.
Cooperation with trustworthy healthcare institutions in Ghana and a transparent money transfer additionally ensure peace of mind for both senders and recipients. Plus, the payment solution is financially inclusive, which means that recipients only need a cell phone to access the money and the corresponding healthcare service.
The Business Ideas for Development (BID) initiative was a crucial catalyst. Through a BID grant and mentorship in 2023–2024, the team financed early fieldwork and mapped regulatory requirements, resulting in a licensing roadmap and a structured onboarding and training package for partner providers. BID’s convening power also expanded COMESO’s network beyond health and payment partners to include diaspora community leaders in Germany and the UK. During the pilot phase, COMESO issued 154 healthcare vouchers, all of which were redeemed at partner facilities. This 100 percent redemption rate shows that when mechanisms are in place, families do use designated funds for healthcare. Interviews with users of the service reflect positive experiences: “A person walks in, gives their telephone number… a message will pop up if they have credit to pay for the service,” one clinic administrator explains, describing the redemption process.
COMESO’s vision extends beyond its pilot clinics. The immediate focus is scaling within Ghana, with plans to enter the Nigerian market next. The aim is to deepen impact and ensure long-term sustainability.
There are many countries in the world where people cannot afford healthcare and depend on support from their loved ones. My business partners I have one common goal: to prevent the loss of lives due to insufficient healthcare caused by a lack of financial resources.
Gloria has already received significant recognition for her company and, in 2026, was even honoured with the BMZ Engagement Award by Development Minister Reem Alabali Radovan. She was also honoured as the “Ghana Fintech Leader of the Year 2022.” by the Fintech and Payment Association Ghana.
Further information on the offers available to the Ghanaian diaspora can be found below.