136 Int. J. Business Information Systems, Vol. 31, No. 1, 2019 Copyright © 2019 Inderscience Enterprises Ltd. Intention to adopt mobile banking in Bangladesh: an empirical study of emerging economy Md Shamimul Islam*, Noorliza Karia, Muhammad Khaleel, Firdaus Bin Ahmad Fauzi, Mohamed Soliman Mohamed Soliman and Jamshed Khalid School of Management, Universiti Sains Malaysia, Penang, Malaysia Email: shamimasaub@gmail.com Email: noorliza@usm.my Email: kshiry2000@gmail.com Email: fid81@yahoo.com Email: soliman2002s@yahoo.com Email: jamshed.jt@gmail.com *Corresponding author Md. Yeasir Arafat Bhuiyan Department of Management, Prime University, Dhaka, Bangladesh Email: arafatprimes@gmail.com Md. Abdullah Al Mamun Department of Management, School of Business, Bangladesh University of Business and Technology (BUBT), Dhaka, Bangladesh Email: mamun42600@gmail.com Abstract: Mobile banking is an advanced form of traditional banking. In Bangladesh, despite the initiatives by the banking companies to continuously upgrade their facilities to support mobile banking, customers’ adoption rates are still low. Thus, the aim of this study is to investigate the factors influencing the behaviour of customers to adopt mobile banking. By adaptation of the unified theory of acceptance and use of technology (UTAUT), the study used partial least square (PLS) and structural equation modeling (SEM) to achieve the result. It was found that all the factors listed are significantly influencing the behaviour of the customers, except the factor of performance expectancy. The study concluded that the mobile users outside Dhaka, the capital city of the