On the eve of the run-off election, Ghani told a US audience that as president he would immediately form a small consortium of key donors and outline economic reforms within 30 days.
The World Bank economist-turned-politician, speaking to the Center for National Policy in Washington via Skype, called corruption a "national shame" for Afghanistan, which has ranked near the bottom on annual corruption perception lists of Transparency International.
"We simply cannot persuade the US public in a time... of immense fiscal difficulty, from the level of community to the state to the federal level, that public money can be allocated to us without accountability and transparency," Ghani said.
Ghani is facing former foreign minister Abdullah Abdullah, who came first in the initial round. Both Ghani and Abdullah have pledged to sign an agreement, which Karzai has refused to do, to allow nearly 10,000 US troops to stay in Afghanistan after this year when President Barack Obama plans to end combat operations.
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Ghani said that Afghanistan and Pakistan should integrate their economies better to take advantage of the growth of Asia, including the 2.5 billion-strong combined market of China and India.
"Afghanistan and Pakistan have a choice: Do we become Asian roundabouts or do we become cul-de-sacs?" he said.
Ghani said he would chart out a 10-year plan to develop closer ties with Pakistan on the model of how France and Germany reconciled after World War II.