Due to increasing advancement in technology and easy access to information, the banking sector is increasingly moving towards digitalization. The advancement in technology has resulted in fast-approaching entry of new digital solutions to streamline processes and systems. African Bank has continued to pursue large scale transformation programmes aimed at improving customer experience, digital transformation, and new ways of working. However, the digital edge has brought several challenges; with African Bank not immune to these challenges brought about with digitalization, this study explored the causes of barriers to adoption of internet banking by African Bank clients. Qualitative research methodology was adopted for this research study. The research study revealed that a lot still needs to be done if the bank is to realise the benefit of technology adoption and to cater for their clients’ daily needs in order to meet the growing demands around client service and client obsession in the banking industry. Respondents suggested several strategies to improve the adoption of Internet banking at African Bank. A proper implementation process was identified as the main and major factor to increase the adoption rate. the study makes a meaningful contribution in revealing the underlying causes of non-adoption of Internet banking by African Bank and also recommends measures which may ensure that the adoption rate increases, change cannot happen overnight and it is for this reason that the expected target.

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