The adaptation of mobile phones and the widespread use of mobile money transfer in emerging markets have brought about diverse opportunities in the financial service. However, mobile money transfer services have diver’s adoption stages in emerging markets. The main purpose of this study is to identify the factors that influence Ghanaian customers to adopt to the usage of mobile money transfer services. The study employed a set of questionnaire to gather information on the demographics and perception that Ghanaians have about the mobile money transfer service. These questionnaires were distributed conveniently to 208 Ghanaian customers, and the data gathered were then analyzed using factor analysis. Findings from the research revealed that, perceived usefulness, perceived ease of use, perceived trust, perceived risk and social influence were the main factors that accounts to Ghanaians adoption to the service. MTN mobile money service was found to be the dominant service provider of mobile money among all the networks.