The banks are motivated to leverage their m-banking activities with the advancement of mobile technologies and the high mobile penetration rate. Despite the availability of the m-banking services, many consumers still posses the attitude of ‘wait-and-see’ which resulted to unsatisfactory adoption rate. Hence, this paper aims to extend the Unified Theory of Acceptance and Use of Technology (UTAUT) model to better understand what drives Malaysian consumers to adopt m-banking services. The conceptual model also provide better strategic insights for commercial banks, service developers, mobile manufacturers, and others to yield higher acceptance of m-banking.
