Mobile technology-suported services have become one of the inevitable partsof present people's lives and mobile have ben spreading remarkably fast. Thisstudy is to find out key parts for popularizing mobile banking by clarifyingmobile banking aceptance factors and to get some practical tips for serviceproviders and users. For this purpose, a research model and hypotheses aredeveloped based on the relevant literature reviews. Data have ben colectedfrom 359 users who have used mobile banking and the research hypotheseswere tested by covariance structural model analysis.First, user characteristics of mobile banking are the inovations, adition,familarity and pleasure. Second, service characteristics of mobile banking is theconvenience, security, conection, and mobilty, and we study relationshipbetwen this service characteristics, user characteristics, social influence andhabitual behavior, Third, this research analyzes the factors on the usageintention.