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. A survey design with a quantitative approach was employed, collecting data from 309 SMEs through a closed-ended questionnaire. Structural equation modelling (PLS) was used to test the hypotheses. The findings indicate that perceived usefulness is the key factor positively impacting FinTech adoption, 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, perceived ease of use mediates the relationship between perceived usefulness and intention to use in FinTech adoption. The study contributes to the understanding of technology innovation adoption within the SME context by examining the mediating roles of perceived usefulness and intention to use. The research highlights the importance of perceived usefulness in influencing SMEs' adoption of FinTech services and suggests that FinTech service providers should design services that consider a wide range of SMEs' needs to build attitude affirmations and shape intentions. This will encourage SMEs and other users to use FinTech regularly and persuade nonusers to try it. The study also emphasizes the role of attitude towards use and intention to use in the acceptance of FinTech services. The findings suggest that perceived usefulness is a significant determinant of FinTech adoption, while perceived ease of use has a less direct impact. The study contributes to the literature by examining the mediating effects of perceived usefulness and intention to use on FinTech adoption. The results provide insights into the factors that influence SMEs' decision to adopt FinTech innovation for their business. The study's findings have implications for FinTech service providers, policymakers, and SMEs, highlighting the need for tailored FinTech services that address the needs of SMEs and promote their adoption. The research also underscores the importance of understanding the factors that influence SMEs' acceptance of FinTech services, including perceived usefulness, attitude towards use, and intention to use. The study's findings contribute to the understanding of how FinTech services can be effectively adopted and utilized by SMEs in Ghana.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. A survey design with a quantitative approach was employed, collecting data from 309 SMEs through a closed-ended questionnaire. Structural equation modelling (PLS) was used to test the hypotheses. The findings indicate that perceived usefulness is the key factor positively impacting FinTech adoption, 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, perceived ease of use mediates the relationship between perceived usefulness and intention to use in FinTech adoption. The study contributes to the understanding of technology innovation adoption within the SME context by examining the mediating roles of perceived usefulness and intention to use. The research highlights the importance of perceived usefulness in influencing SMEs' adoption of FinTech services and suggests that FinTech service providers should design services that consider a wide range of SMEs' needs to build attitude affirmations and shape intentions. This will encourage SMEs and other users to use FinTech regularly and persuade nonusers to try it. The study also emphasizes the role of attitude towards use and intention to use in the acceptance of FinTech services. The findings suggest that perceived usefulness is a significant determinant of FinTech adoption, while perceived ease of use has a less direct impact. The study contributes to the literature by examining the mediating effects of perceived usefulness and intention to use on FinTech adoption. The results provide insights into the factors that influence SMEs' decision to adopt FinTech innovation for their business. The study's findings have implications for FinTech service providers, policymakers, and SMEs, highlighting the need for tailored FinTech services that address the needs of SMEs and promote their adoption. The research also underscores the importance of understanding the factors that influence SMEs' acceptance of FinTech services, including perceived usefulness, attitude towards use, and intention to use. The study's findings contribute to the understanding of how FinTech services can be effectively adopted and utilized by SMEs in Ghana.