Journal of Internet Banking and Commerce An open access Internet journal (http://www.icommercecentral.com) Journal of Internet Banking and Commerce, December 2017, vol. 22, no. 3 USER PERCEPTION OF MOBILE BANKING ADOPTION: AN INTEGRATED TTF-UTAUT MODEL ZOBAYER AHMED Department of Economics and Banking, International Islamic University Chittagong, Chittagong, Bangladesh Tel: +8801673698818; Email: ecozobayer@gmail.com ABDUL KADER Department of Economics and Banking, International Islamic University Chittagong, Chittagong, Bangladesh MD. HARUN UR RASHID Accounting and Information Systems, International Islamic University Chittagong, Chittagong, Bangladesh MOHAMMAD NURUNNABI Department of Economics and Banking, International Islamic University Chittagong, Chittagong, Bangladesh Abstract This study investigates the factors influencing users’ perception on adoption of mobile banking (mBanking) services in Bangladesh from the understanding of technology perception. Exploratory factor analysis (EFA) has used as an instrument