Determinants of Mobile Banking Adoption in the Ghanaian Banking Industry: A Case of Access Bank Ghana Limited


The study examined the determinant of mobile banking adoption among bank customers in Ghana, with specific emphasis on Access Bank. In line with literature, the study applies theoretical frameworks which have been developed from existing literatures on innovation and adoption to collect responses from one hundred and fifty (150) sampled customers of Access Bank in order to investigate the determinants of mobile banking adoption in the Ghanaian banking industry. The results from the study revealed that, each factor measured had some level of significant effect on consumer intention to adopt and use mobile banking services provided by Access Bank. Additionally, the study unveiled that, perceived credibility and perceived financial cost were the major setback with regards to customers adoption of mobile banking services provided by Access Bank, and as a result of this, Ghanaians have formed a negative behavioural pattern towards mobile banking. In addition, the findings showed that, perceived credibility and perceived financial cost have a stronger effect on consumer intention to adopt and use mobile banking service than perceived usefulness and perceived ease of use. It was, therefore, recommended that banks in Ghana should create more awareness through personal interaction with customers, develop quality initiatives in order to build customer’s confidence. Equally, banks should also review the cost of their mobile banking service.

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Cudjoe, A. , Anim, P. and Tetteh Nyanyofio, J. (2015) Determinants of Mobile Banking Adoption in the Ghanaian Banking Industry: A Case of Access Bank Ghana Limited. Journal of Computer and Communications, 3, 1-19. doi: 10.4236/jcc.2015.32001.

Conflicts of Interest

The authors declare no conflicts of interest.


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