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Mobile phones with banking technology are becoming more readily available in Rwanda. Similarly, many financial institutions and mobile phone service providers are teaming up to provide several banking services to customers via the mobile phone. However, the number of people who choose to adopt or use such technologies is still relatively low. Technology Acceptance Model (TAM), Theory of Planned Behavior (TPB), Theory of Reasoned Action (TRA), Decomposed Theory of Planned Behavior (DTPB), and Unified Theory of Acceptance and Use of Technology (UTAUT), are the base models used in this study to investigate the customers' perception in the adoption of mobile banking services. This research combines the variables, "perceived usefulness", "Perceived ease of use", "Perceived security", "Speed of access", "Perceived risk", "Reliability", "Compatibility" and Customer satisfaction. Results indicate that perceived usefulness, perceived ease of use, perceived risk, speed of access, compatibility, reliability influence customers to adopt mobile banking , while perceived security do not influence customers to adopt mobile banking.
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