This study investigates the determinants of FinTech adoption among small and medium enterprises (SMEs) in Ghana, using the Technology Acceptance Model (TAM) as a theoretical framework. The research employs a survey design with a quantitative approach to data analysis, gathering data from 309 SMEs through a closed-ended questionnaire. The data were analyzed using structural equation modeling with Partial Least Square. The findings indicate that most constructs in the conceptual framework have significant explanatory power in relation to the desire to embrace FinTech in Ghana. Specifically, 11 out of the total 13 hypotheses were confirmed. The key factors positively impacting the uptake of FinTech innovations are perceived usefulness, followed by intention to use. The results also show a positive association between perceived ease of use and attitude towards use with FinTech adoption, although the direct impact of perceived ease of use on adoption is not statistically significant. However, the impact of perceived ease of use on adoption is mediated by perceived usefulness or intention to use. This research will assist FinTech service providers in designing services that better meet the needs of SMEs, making FinTech more beneficial and encouraging regular use.This study investigates the determinants of FinTech adoption among small and medium enterprises (SMEs) in Ghana, using the Technology Acceptance Model (TAM) as a theoretical framework. The research employs a survey design with a quantitative approach to data analysis, gathering data from 309 SMEs through a closed-ended questionnaire. The data were analyzed using structural equation modeling with Partial Least Square. The findings indicate that most constructs in the conceptual framework have significant explanatory power in relation to the desire to embrace FinTech in Ghana. Specifically, 11 out of the total 13 hypotheses were confirmed. The key factors positively impacting the uptake of FinTech innovations are perceived usefulness, followed by intention to use. The results also show a positive association between perceived ease of use and attitude towards use with FinTech adoption, although the direct impact of perceived ease of use on adoption is not statistically significant. However, the impact of perceived ease of use on adoption is mediated by perceived usefulness or intention to use. This research will assist FinTech service providers in designing services that better meet the needs of SMEs, making FinTech more beneficial and encouraging regular use.