The assessed how IMF Extended Credit Facility programme was managed prior to the singing the programmes in 2015 and in 2023, using Nudge theory and how this change management affect the macro-economic and social conditions in Ghana. The use used questionnaire to collect data from 127 experts from think-tank institutions and public universities in Ghana. Also, some of these experts were interviewed. The questionnaire data was analyzed using percentages, independence samples t-test and Point-Biserial Correlation. The interview data was analyzed using content analysis. 2015 IMF Extended Credit Facility programme was better managed than 2023 IMF Extended Credit Facility programme. Also, 2015 programmes brought more positive macroeconomic and social gains to Ghana. However, less macroeconomic and social gains are expected from 2023 programme. How the IMF Extended Credit Facility programme is managed prior to signing the programme have statistically significant effect on the macroeconomic and social gains from the programme. Government should effectively adhered to and apply change management theories like Nudge theory when they want to sign to IMF Extended Credit Facility programme to ensure positive outcomes of the gains. This article aims to Make a Difference (MAD) by positioning the change management in the context of IMF Extended Credit Facility programmes. This study is thus first in its king to assess change management of IMF programmes, using Nudge theory and relevance of such change management to the programme’s outcomes. The study may help inform governments how to manage any external programme especially in the period prior to signing

The assessed how banks effectively managed the new capital requirement implementation in 2017-2018 and the effect of the change management mechanism on the performance of the banks. The study administered a structured questionnaire to 302 Branch Managers of 23 banks and interview 13 General Managers of some of the banks. The study used mean and standard deviation to analyze the effectiveness of change management practices during the new capital requirements. Structural Equation Model (SEM) was used to estimate the impact of change management mechanisms on the performance of the banks. The study found that the listed banks effectively applied the change management mechanisms during the new capital requirement implementation. Change management mechanism as a whole has a statistically significant positive impact on the performance of the banks. MAD Statement This article aims to Make a Difference (MAD) by positioning the notion of change management mechanisms at the core of management of regulatory changes in banks in Ghana. This is done by assessing how banks managed the new capital requirement introduced by Bank of Ghana in 2018 and how the change management affect operational and financial performance of the banks. The study may help inform management of banking sector about which change management mechanism significantly contribute to improving the financial and operational performance of banks to effectively inform management of regulatory changes in the future.