Smart Segments/Smart Living
Segment 01 of 08

Smart Living.

The connected home, estate, compound, and place of worship — where private and communal life happen. Continuous, unlimited connectivity for the spaces Ghanaians come home to.

The Segment

Ghanaian households are paying for data they can't fully use.

A typical Accra household of five spends a thousand cedis or more a month on mobile data spread across multiple SIMs — and still can't all stream, work, study, and connect at once. Fixed broadband penetration sits below one in a hundred. The problem is not affordability of bandwidth in the abstract. The problem is that the only product on offer is rationed and resold.

Smart Living replaces that with subscription broadband at GHS 399 to GHS 999 a month, financed devices, and managed connectivity for estates, compounds, and places of worship. One bill. No data anxiety. The house, online.

Why It Matters

A residential market starved of real broadband.

9M+
Households nationally
The addressable Smart Living universe.
<1%
Fixed broadband per 100
Households dependent on rationed mobile data.
GHS 1,000+
Avg household monthly data spend
Across multiple SIMs and prepaid bundles.
5+
Connected devices per household
Phones, laptops, TVs, security — all competing for bandwidth.
What We Deliver

Continuous broadband, financed devices, community-grade infrastructure.

Tiered home subscriptions

Continuous unlimited broadband from GHS 399 to GHS 999/month, sized to household density and use intensity.

Smart routers and family bundles

Mesh-Wi-Fi router, optional family device package (laptop, tablet, smart TV) financed over 36–48 months.

Community-grade infrastructure

Estate-wide and compound-wide networks, gated-community access integration, and faith-venue connectivity.

Sub-Clusters

Six living environments. One unified architecture.

From the single household to the gated community to the place of worship — different scale and payer logic, the same underlying network and platform stack.

SMART HOMES

SMART HOMES

Continuous, unlimited household broadband and family device bundles.

SMART ESTATES & GATED COMMUNITIES

SMART ESTATES & GATED COMMUNITIES

Managed community Wi-Fi, security integration, access control for East Legon, Trasacco, Airport Hills, Devtraco, and similar.

SMART COMPOUNDS

SMART COMPOUNDS

The Ghanaian compound-house reality — shared backbone, per-household sub-accounts, neighbour-friendly billing.

SMART CHURCHES

SMART CHURCHES

Service streaming, member management, offering digitisation, multi-site coordination.

SMART MOSQUES

SMART MOSQUES

Community communications, prayer-time displays, multi-mosque coordination.

SMART COMMUNITIES

SMART COMMUNITIES

Village and neighbourhood Wi-Fi zones, community information boards, civic engagement layers.

How It Feels

What Smart Living looks like, lived.

The Mensah family
A day in the life
The Mensah family
Adenta, Greater Accra
It's 8 p.m. on a Tuesday. Mr. Mensah is on a Teams call with a client in Lagos. Mrs. Mensah is listening to a podcast in the kitchen. Their son is on Khan Academy. Their daughter is watching YouTube Kids. The security camera at the gate has just sent a face-recognized alert: Auntie Akos has arrived. One subscription. No one is being told to get off the data.
Pastor Boakye
A day in the life
Pastor Boakye
Christ Apostolic Church, Kumasi
Sunday service goes live at 9 a.m. across three branches and the YouTube channel. The offering platform processes MoMo and card simultaneously. After service, the small-groups database updates with this morning's attendance, and the prayer requests inbox is already routing to the leadership team. Connectivity isn't a sermon prop; it's how the church runs all week.
Economics

Three payer logics, one segment.

Smart Living revenues come from household subscriptions, community and faith-venue managed contracts, and bank-underwritten device-financing books.

Household
Payer
Households
Pays for
Monthly subscription + financed devices
Term
Direct or via MoMo standing order
Community / Institutional
Payer
Estate management, real-estate developers, churches, mosques
Pays for
Managed connectivity contracts
Term
Multi-year service agreements
Underwriting
Payer
Banks (GCB, Stanbic, Fidelity)
Pays for
Device-financing book
Term
Securitised device receivables
Scale

What the segment looks like at maturity.

100K
Households by Year 2
Initial deployment target.
500K
Households by Year 5
Mid-term penetration target.
GHS 550
Blended household ARPU/month
Across subscription tiers.
GHS 4,800
Avg device-financing ticket
36–48 month book size per household.

Indicative figures. Detailed addressable-market analysis and unit economics provided to qualified investors under NDA.

Anchors

Who anchors Smart Living.

Property & Community
  • Ghana Real Estate Developers Association
  • Estate management firms
  • Gated-community boards
  • Traditional councils
Faith
  • Christian Council of Ghana
  • Ghana Catholic Bishops' Conference
  • Pentecostal and Charismatic Council
  • Office of the National Chief Imam
Financing
  • Tier-1 Ghanaian banks
  • MoMo operators
  • Consumer-finance providers
The Shift

What Smart Living changes.

Today
Five SIMs and constant top-ups. Streaming dies the moment two people are watching. Devices priced as luxury goods.
With Celltell
One subscription, every device, all month. Mesh Wi-Fi across the house, no contention. Devices financed for the cost of a takeout order a week.
TodayFive SIMs and constant top-ups.
With CelltellOne subscription, every device, all month.
TodayStreaming dies the moment two people are watching.
With CelltellMesh Wi-Fi across the house, no contention.
TodayTablets and laptops priced as luxury goods.
With CelltellFinanced for the cost of a takeout order a week.

Anchor, fund, or partner on Smart Living.

Whether you're a developer, a faith leader, a financier, or a household champion — there's a place to plug in.

Speak to our residential team