research method assignment
The challenges of implementing Electronic Payment Systems
– The Case of Ghana’s E-zwich Payment System
Name: Delali Kumaga
Supervisor: Jan Svanberg
Master’s Thesis in Business Administration, MBA programme
December 2010
ACKNOWLEDGEMENT
My first appreciation goes to the almighty God for the successful completion of this thesis.
Secondly this thesis work was made possible by the invaluable input of many people and institutions. I wish to acknowledge the support and encouragement of my wife Sylvia, my parents and siblings to pursue my interests.
I wish to thank my supervisor Jan Svanberg, whose help, suggestions, encouragement and patience helped me in the writing of this thesis. I also thank Eva Wittbom (PhD) for her initial tutorials and guidelines as to how to commence and complete a thesis work.
I am also indebted to my work colleague David Boateng (Phd) whose advice and review of this thesis work contributed immensely to its success.
I also wish to acknowledge the contributions from officials of GHIPSS especially, the Chief
Operating Officer, Yoku Korsah for taking time off his busy schedule to answer some pertinent questions concerning this work. Many thanks also go to officials of some of the commercial banks that were contacted to complete questionnaires as well as answer questions. I am also appreciative of the shops and individuals who responded to my questionnaires.
Last but not the least I thank my friends and work colleagues for their support and encouragement. I would also like to express my gratitude to all those who have not been mentioned in this thesis work but assisted in one or many ways to complete this thesis.
i
ABSTRACT
This study investigates the challenges of implementing and using electronic payments in Ghana.
In addition, it also attempts to assess the degree of usage of card based payments systems i.e ezwich, debit and credit cards. Several electronic payment systems have been introduced into
– The Case of Ghana’s E-zwich Payment System
Name: Delali Kumaga
Supervisor: Jan Svanberg
Master’s Thesis in Business Administration, MBA programme
December 2010
ACKNOWLEDGEMENT
My first appreciation goes to the almighty God for the successful completion of this thesis.
Secondly this thesis work was made possible by the invaluable input of many people and institutions. I wish to acknowledge the support and encouragement of my wife Sylvia, my parents and siblings to pursue my interests.
I wish to thank my supervisor Jan Svanberg, whose help, suggestions, encouragement and patience helped me in the writing of this thesis. I also thank Eva Wittbom (PhD) for her initial tutorials and guidelines as to how to commence and complete a thesis work.
I am also indebted to my work colleague David Boateng (Phd) whose advice and review of this thesis work contributed immensely to its success.
I also wish to acknowledge the contributions from officials of GHIPSS especially, the Chief
Operating Officer, Yoku Korsah for taking time off his busy schedule to answer some pertinent questions concerning this work. Many thanks also go to officials of some of the commercial banks that were contacted to complete questionnaires as well as answer questions. I am also appreciative of the shops and individuals who responded to my questionnaires.
Last but not the least I thank my friends and work colleagues for their support and encouragement. I would also like to express my gratitude to all those who have not been mentioned in this thesis work but assisted in one or many ways to complete this thesis.
i
ABSTRACT
This study investigates the challenges of implementing and using electronic payments in Ghana.
In addition, it also attempts to assess the degree of usage of card based payments systems i.e ezwich, debit and credit cards. Several electronic payment systems have been introduced into
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