Abstract
Mobile money in Ghana has opened diverse opportunities in the financial sector and has become the catalyst in financial inclusion in emerging economies. The study adopted the survey methodology and limited to the two commercial banks in Ghana (to be identified as Bank A and Bank B), with a sampling size of 188 using the convenience sampling technique. The findings revealed consumer demands for mobile cash services are varied activities like withdrawing of cash among others, as it remains key reasons for the adoption of mobile money service in banks. Furthermore, stakeholders in mobile money and providers of mobile money considers customers' intent to use mobile money and its associated challenges to improve its use and encourage its general acceptance within the banking sector. The study suggests that, to boost growth and adoption, it is imperative to have guidelines that supports the ease and usefulness of mobile money service adoption.
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