| This study reviews the implications of information technology for banks in Ghana by customers. The purpose is to understand customers’behavior towards the use of various forms of innovation such as ATM, etc. for Pro-Credit Savings and Loans Company Limited in Ghana. This is because most banks in Ghana have introduced the ATM in to satisfying customers’service needs and making the work of employees easier. Data will be collected using questionnaires that will be administered to bank customers who use the ATM facility, as well as interview for bank managers. In Ghana, the number of firms in the banking industry at the time of independence in the year1957was only three. This number has grown over the years to23financial institutions with a many branches,123rural banks, and13savings and loans companies over the years. These banking firms operate along non-banking financial institutions such as credit unions, insurance companies, and other micro-credit financial institutions. The banking industry is rationally competitive and well capitalized, having withstood the rapid deflation over the past years. The banks could and ought to use information technology platforms to develop competitive advantages. It is important that these technologies carry the capability of management with the systems of other banks. With this, the Ghanaian central bank issued procedure for the operation of ATMs and Point of Sale Systems. For the bank customer, these electronic banking channels offer convenient access to bank accounts and do away with the need to visit a bank’s branch. The purpose of this study therefore, is to answer the question by understanding customers’behavior towards the use of IT innovation as a banking service tool in Ghana. To determine whether customers are happy about the introduction of IT innovation and the kind of services they provide. To determine whether ATMs provide satisfaction or not and determine customers level of satisfaction if they do. |
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