This research is aimed at enabling the use of mobile phones as a tool to conduct convenient banking to customers at any time and at any place. It attempts to design an application system that will support the mobile phone banking infrastructure. The system is aimed at rural banks in Ghana - local banks with a much lower minimum capitalization than regular commercial banks. Traditionally, banks have always sought secured and reliable media through which they could serve their clients more cost-effectively. They have extensively employed electronic and communications technologies in their operations for many years, but these have not eliminated the various inconveniences that clients encounter while doing business with them. Our study starts by analysing questionnaires that were conducted for stakeholders in the banking industry in order to determine users' expectations on mobile banking. The stakeholders include mobile phone operators, the Ghanaian banks and users of mobile phones who have active bank accounts. The questionnaires tried to find out among other things, how people carry money to transact business, whether they have heard of electronic banking, how they use their mobile phones and whether they currently subscribe to mobile banking. We also tried to establish the main services that users would like to have on such a mobile banking platform if it becomes available on the Ghanaian market. For our design, we also analysed reliable mobile technology (WAP) that will support such an application.
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