This research identifies the factors such as perceived usefulness, perceived ease of use, perceived self-efficacy, perceived security and privacy, and perceived financial cost which influence the customer adoption of mobile banking in Bangladesh mediated through customer attitude. For the study, data was collected from 239 respondents via a structured questionnaire, Pearson’s correlation in regression analysis were used to test the relationships. The study found that all these factors significantly influenced customers’ intension to mobile banking adoption. While perceived usefulness, perceived ease of use, perceived self-efficacy, perceived security and privacy were found to be positively correlated to mobile banking adoption, only perceived financial cost was negatively related. Noticeably, perceived ease of use was found to be most significant factor to influence user intension to m-banking adoption. Implications from this study will be very helpful to the bankers and policy makers as a tool to determine the success and long growth of m-banking in Bangladesh.

Keywords: Mobile Banking, Customer adoption, perceived usefulness, perceived ease of use, perceived self-efficacy, perceived security and privacy, perceived financial cost, Bangladesh.