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  1. Authors
  2. Emmanuel Nyame

Emmanuel Nyame

Expert Reviewer, General Finance
  • Twitter Icon
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Ribbon Icon EXPERTISE
  • Social Impact Entrepreneurship
  • Economic & Public Policy
  • Social & Consumer Finance
  • Startups & Small Business
  • Financial Planning & Budgeting
Education Icon EDUCATION
  • Certificate in Journalism, New York University
  • Certified Project Manager, PMP, Project Management Institute
  • BA Economics with Mathematics, University of Ghana

Finance is more than numbers—it’s a tool for empowerment. The right financial decisions can turn ideas into impact and vision into lasting change.

— Emmanuel Nyame

Emmanuel Nyame is a member of Bankrate’s Financial Expert Review Board and CEO of Twelvenets, leading campaigns that drive community and economic growth.

With a background in economics and 16 years of experience, He spent his formative years serving business accelerators and venture capital firms, helping prepare startups for funding opportunities, including through SXSW’s Pitch program, whose finalists have raised over $23.2 billion since 2009. He also serves as a Global Communications and Engagement Specialist at the United Nations Foundation. He has led campaigns and corporate match-donation efforts, raising over $7 million for social impact initiatives.

He is a FERD’s List Europe honoree and two-time nominee for the Global Business Hall of Fame. His success in launching and effectively running a student loan campaign in high school through the Junior Achievement Company Program influenced his career path.

As a Bankrate expert reviewer, Emmanuel provides insights on social and consumer finance, economic policy, and financial planning, helping readers navigate key financial decisions with clarity and impact.

Finance is more than numbers—it’s a tool for empowerment. The right financial decisions can turn ideas into impact and vision into lasting change.

— Emmanuel Nyame

Emmanuel's latest articles

  • A Black couple talk to a salesperson at a car dealership.

    When will car interest rates start dropping?

    Auto rates will likely not decrease this year. Consider how to still save.

    4 min read Oct 29, 2025
  • Woman sitting at table looking at open laptop with a blue half circle behind her

    What is the average personal loan rate for October 2025?

    Personal loan interest rates today are unusually high, thanks to market forces.

    6 min read Oct 29, 2025
  • gray formal livingroom

    How to lower your mortgage payment

    Yes, you can pay less each month. Not all methods are worth the time or upfront expense, though.

    6 min read Oct 15, 2025
  • Illustration of worker juggling dollar bills over a background of a line signifying rising inflation

    Survey: The most workers in four years say their pay isn’t keeping up with inflation

    A record 62% say pay hasn’t kept up with costs, climbing from 55% in 2022.

    11 min read Oct 14, 2025
  • A small 1950s-style home

    What is the typical down payment on a house?

    The typical mortgage down payment might not be as much as you think.

    5 min read Oct 08, 2025
  • A man does a DIY project.

    How to get a home improvement loan in 6 simple steps

    Understanding your options and finances are key to getting a home improvement loan.

    5 min read Oct 03, 2025
  • Navient sign outside headquarters

    What you need to know about the companies no longer doing federal student loan servicing

    Navient is the latest servicer to leave federal student loan servicing.

    3 min read Oct 03, 2025
  • two girls unloading a car trunk at a hotel

    Discover it Miles vs. Capital One Venture

    Learn which card may be the better fit for you and your spending habits.

    6 min read Oct 03, 2025
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