Mobile payment services have become very vital for developing markets due to the slower diffusion of formal financial services. Mobile Money has become one of most successful of these mobile payment services worldwide mostly in developing markets like Africa. This paper seeks to exploit the explosive growth in mobile phone penetration as a medium to digitise payments in Ghana. An amended UTAUT was used to determine the factors affecting mobile money payment adoption in Ghana. The results showed that effort expectancy (EE) was the most significant determinant to users’ behavioural intentions to use. In order to promote digital payments using mobile money, the MNOs’ have to adopt the MSP supply-push strategy to bring merchants on board to meet their numerous users and take advantage of the cross-side network effect.