This research delves into the factors influencing the uptake of cloud computing in Jordanian commercial banks using the Technology-Organization-Environment (TOE) framework. As the banking sector grapples with mounting pressures to improve efficiency and competitiveness, cloud computing has emerged as a pivotal technology driving digital transformation. The study pinpoints key drivers of adoption, such as technological benefits, compatibility, complexity, top management support, company size, and competitive pressures. A survey targeted IT professionals from various banks and garnered 288 valid responses. Data analysis involved using Partial Least Squares Structural Equation Modeling (PLS-SEM), which uncovered significant positive correlations between cloud computing adoption and relative advantage, compatibility, top management support, company size, and competitive pressure. In contrast, complexity had a negative impact on adoption, while regulatory compliance demonstrated no significant effect. These findings offer valuable insights for stakeholders in the banking sector by emphasizing the crucial role of cloud computing in enhancing operational efficiency and competitive positioning within a swiftly evolving digital landscape.