This report analyzes Tesco's research on internet banking adoption in Ghana, focusing on the influence of social cognitive theory on customer behavior. The study employs a two-stage method of confirmatory factor analysis and structural equation modeling to assess the impact of social characteristics, customer loyalty, and online interactions on internet banking adoption. The research highlights the importance of website design, social media integration, and customer service in promoting online banking services. It explores the correlation between ease of use and adoption, while also considering the role of prior knowledge and consumer expertise. The report concludes with a discussion of the key findings and their implications for the banking industry, emphasizing the need for effective management of online platforms and customer interactions to facilitate successful internet banking adoption.