This article provides a literature review on mobile banking adoption, analyzing existing research and identifying key factors influencing consumer behavior. Mobile banking (m-banking) has emerged as a significant channel for financial services, with considerable research focusing on its adoption. However, the research field lacks a clear roadmap, prompting this review to synthesize existing studies and map major theories used to predict consumer intentions. The findings indicate that m-banking adoption literature is fragmented, though it commonly relies on the Technology Acceptance Model (TAM) and its modifications. Key drivers of adoption include compatibility with lifestyle and device, perceived usefulness, and attitude. The review also highlights limitations in current research, such as a narrow focus on SMS banking in developing countries and a lack of studies on m-banking applications via smartphones or tablets. The review includes 55 studies published between 2005 and 2014, with a majority focusing on developing countries. The studies used various methods, including surveys and interviews, and examined factors such as perceived ease of use, perceived usefulness, trust, social influence, and perceived risk. The main theories discussed include TAM, Innovation Diffusion Theory (IDT), and the Unified Theory of Acceptance and Use of Technology (UTAUT). These theories provide frameworks for understanding consumer behavior and adoption intentions. The review also identifies key antecedents of attitude, intention, and usage in m-banking adoption, including perceived ease of use, perceived usefulness, trust, social influence, and compatibility. Demographic factors such as age, gender, and education also play a significant role in adoption decisions. The study recommends further research to explore these factors and develop strategies to enhance m-banking adoption, particularly in developing countries. The review highlights the need for more comprehensive studies that consider the broader aspects of m-banking, including infrastructure, technology, and innovation. It also suggests areas for future research, such as the relationship between m-banking, m-payments, and electronic payments, as well as the role of legal and regulatory frameworks in m-banking adoption. The study concludes that while m-banking has the potential to transform financial services, further research is needed to fully understand and address the challenges and opportunities in its adoption.This article provides a literature review on mobile banking adoption, analyzing existing research and identifying key factors influencing consumer behavior. Mobile banking (m-banking) has emerged as a significant channel for financial services, with considerable research focusing on its adoption. However, the research field lacks a clear roadmap, prompting this review to synthesize existing studies and map major theories used to predict consumer intentions. The findings indicate that m-banking adoption literature is fragmented, though it commonly relies on the Technology Acceptance Model (TAM) and its modifications. Key drivers of adoption include compatibility with lifestyle and device, perceived usefulness, and attitude. The review also highlights limitations in current research, such as a narrow focus on SMS banking in developing countries and a lack of studies on m-banking applications via smartphones or tablets. The review includes 55 studies published between 2005 and 2014, with a majority focusing on developing countries. The studies used various methods, including surveys and interviews, and examined factors such as perceived ease of use, perceived usefulness, trust, social influence, and perceived risk. The main theories discussed include TAM, Innovation Diffusion Theory (IDT), and the Unified Theory of Acceptance and Use of Technology (UTAUT). These theories provide frameworks for understanding consumer behavior and adoption intentions. The review also identifies key antecedents of attitude, intention, and usage in m-banking adoption, including perceived ease of use, perceived usefulness, trust, social influence, and compatibility. Demographic factors such as age, gender, and education also play a significant role in adoption decisions. The study recommends further research to explore these factors and develop strategies to enhance m-banking adoption, particularly in developing countries. The review highlights the need for more comprehensive studies that consider the broader aspects of m-banking, including infrastructure, technology, and innovation. It also suggests areas for future research, such as the relationship between m-banking, m-payments, and electronic payments, as well as the role of legal and regulatory frameworks in m-banking adoption. The study concludes that while m-banking has the potential to transform financial services, further research is needed to fully understand and address the challenges and opportunities in its adoption.