e-zwich is the brand name for the National Switch and Smart card payment system. The e-zwich payment system is an innovative method for improving accessibility to banking and retail services in Ghana. The e-zwich system offers Deposit taking financial institutions (i.e. Universal banks, Rural banks and Savings and Loans) a platform that enables them to interoperate. The e-zwich smart-card is currently the only card in Ghana that provides the convenience of nationwide access as well as greater control over transactions for cardholders, retail merchants and other corporate users.