This study identifies the major determining factors in Ghanaian small and medium sized enter-prises' (SMEs) e-commerce adoption, offers practical implications, and indicates the actions required. Amidst market globalization, growing interpenetration of national economies and the increased interdependence of national economies, e-commerce adoption remains a vital yet complex and elusive phenomenon, with very little known about its determinants. Electronic commerce (e-commerce) is widening the concept of business from a simple transactional approach to a broader and more complex concept of inter-firm cooperation.