<p>The research on mobile banking use is extensive, with many studies explaining behavioral intention and usage through various theoretical frameworks. Our study, centered on the Unified Theory of Acceptance and Use of Technology (UTAUT), pursues two main objectives. Firstly, we aim to critically evaluate empirical research concerning mobile banking use that employs the UTAUT and UTAUT2 frameworks. Secondly, we empirically test and compare two extended UTAUT2-based moderated mediation models specific to mobile banking with data collected from non-current users and current users of mobile banking. The moderated mediation models were analyzed using PROCESS. Our updated and critical review of UTAUT and UTAUT2-based empirical studies on mobile banking identifies theoretical and methodological limitations in some existing research. This finding highlights the need for more comprehensive and precise research models, as well as rigorous testing of their viability. Moreover, the results of our analyses reveal significant differences in the antecedents and moderator influencing the intention to use mobile banking for the first time compared to the intention to sustain its usage. These insights can help banks develop more effective strategies to encourage non-users to adopt mobile banking and to strengthen the commitment of current users to continue using this important service channel. By pinpointing theoretical and empirical differences in modeling the intention to use (for the first time) mobile banking versus the intention to sustain its usage, our study underscores the importance of tailoring theoretical and methodological approaches. It also emphasizes the necessity of analyzing the intentions of non-users and current users through distinct models to better address their specific needs and behaviors.</p>