Investigating the variables that influence customers’ decision to use mobile banking applications is the goal of this study. The interaction between numerous criteria and consumers’ intention to use mobile banking applications is explained by an integrated acceptance model. The study concentrates on perceived usefulness, perceived availability, system and service quality, attitude, satisfaction, perceived security, and intention to use as the primary influences on customers’ adoption and usage of mobile banking applications. Data is collected through a survey of 203 mobile banking app users and analyzed using structural equation modeling. The findings show that the satisfaction has the strongest effect on intention to use toward mobile banking applications, followed by attitude. Perceived security has the strongest effect on attitude and on service and system quality. Perceived availability significantly impacts attitude followed by service and system quality. The study’s findings can be used by companies who provide mobile banking applications to enhance their services and increase acceptance and usage among consumers.