The response to the development and growth of mobile phones in Africa has introduced new ideas in education, business, health, and banking needs of a country. Ghana has become a great place for mobile technology implementation to thrive as there are enough users to support the relevant technologies. In fact, the latest industry statistics released by the National Communications Authority state that, out of a population of 24.97 million, there are approximately 24.4 million subscribers on at least one of the five active mobile networks in the country. The objective of the study is to review the level of usage of the mobile phone by college students in both the private and public institutions in Ghana. The study looked at what the average student's level of usage of the mobile phone on a daily basis and the frequency of usage for the following activities; education-related research, personal finance, religious activities, making and receiving calls, current events. work related research, playing games watching movies, listening to music and social networking. The research revealed that 20.0% of the respondent always listening to music on their mobile phones, playing games 7.9%, watching movie 2.0%, social networking 46.5% , work-related research 12.9%, educationalrelated research 17.8%, religious programmes 3.2%, personal finance 15.0%, current events 3.2% and making and receiving calls 65.0%. The research also looked at the duration of usage by the students at school, home and at the work place. When it comes to using the mobile phone at home 32.0% said they spent 7 hours or more on their mobile phone at home, 9.9% spent 7 hours or more at school and 3.5% spend the same hours or more at the office.

Technology has become the bedrock on which all organizations thrive. Rural and Community Banks are no exception from this rule, as such to leverage on the current technological advancement, Rural and Community Banks (RCB) must invest heavily in highly sophisticated Information and Communication Technology (ICT) systems. As part of the Core functions of the ARB Apex Bank which serves as a mini central bank, is to provide ICT services and Training of IT staff that manage Rural and Community Banks. This paper highlights on the core mandate of the supervisory bank of the Rural and Community banks, ARB Apex bank on the Management of the ICT infrastructure of RCBs in Ghana, the modalities, the challenges as well as the successes in taking secured and reliable banking services to rural communities in Ghana. ARB Apex Bank has progressively introduced high level technology into Rural and Community banking making them very competitive even on the international space.

Objectives: To examine the creation of Value from IT investments for tertiary students. The focus was to use the complementary assets (Innovation, Training, and IT Support) as moderating variables for the relationship between IT investments and value creation in a mandated (Covid-19 setting) tertiary educational setting. Methods: One of the leading universities in Ghana was used as the object of study. A google form questionnaire was sent to the student body, and 508 responses were received. Smart PLS was used to analyze the responses. Findings: The results revealed that even though there was some level of interaction between the complementary assets (Innovation, training, IT Support) and IT investments, none of them had a significant effect on IT Value (Training > IT VALUE, p = 0.412; Innovation > IT VALUE, p = 0.371; IT Support > IT VALUE, p = 0.417). It was also revealed that IT investments was significantly correlated with IT Value (IT INVESTMENTS > IT VALUE, p = 0.000), confirming the insignificance of the moderators. In other words, the IT investments alone created value for the students. Novelty: The study is one of the early studies in IT value creation beyond IT investments in a mandated tertiary educational setting. In this study, it is evident that students in a mandated environment, such as in the case of Covid-19, where students are mandated to use the LMS and other IT infrastructure, will find their way out to create value for themselves once the IT infrastructure is in place; complementary assets may not be too necessary.

Mobile computing technology is on the ever ascending trajectory, making it the technology to use in any thriving industry. Mobile computing technology is thriving due to its portability as such it is very easy to carry around and can be operated anywhere. However, due to the size of most mobile devices that run mobile apps being very small, which also makes it more portable, it sometimes impedes its usage on very large data inputs volumes. Most people find it more comfortable using their personal computers or laptops to prepare and store their documents and other files. This article reviews the benefits of using WhatsApp web, the potential privacy or security vulnerability as compared with other screen mirroring or casting technologies such as Vysor, Mobizen, AirDroid, etc. It is recommended that WhatsApp web connects to the mobile device through a WiFi or USB as implemented in AirDoid instead of connecting directly to the WhatsApp server once the QR code has been scanned using the WhatsApp on the mobile. Secondly, WhatsApp must implement automatic logout of older WhatsApp web sessions instead of just disconnecting the older session once a new session is connected and reconnects the older session once the new one is disconnected since this increases the vulnerability of the end-user.

Voting or casting of lots has become the main method of selecting individuals for a vacant position. There have been several methods of voting practiced over the years, ranging from raising of hand, using ballot papers, and even using pebbles as in the typical case of the Republic of Gambia. It is on this premise that this study was embarked upon to design and implement an effective Online Voting System for Academic Institutions. The concept has been implemented for the Regent University College of Science and Technology in Ghana. The results showed that the online system was outstanding with real-time results of the voting process and easy administrative management. The users of the system which involved students as well as some electoral supervisors realized the online voting system was a better, effective and more efficient way of voting in the school as compared to the paper balloting method of voting. The concept could be extended to all Institutions or organization’s election once the electorates can be identified with unique Identification Numbers. It is recommended that further research and implementation should be conducted to include functionalities or features to enable the visually impaired individuals vote.