Mobile banking (M-banking) of the most promising technologies to emerge in recent years and it can prove to be of great value to both banks and customers. Banks seem to be particularly interested in such systems that provide their customers with better services. Thus, knowing the factors that affect individuals’ intentions to use mobile banking services can be of great importance. This study aims to examine the main factors that can predict the use of mobile banking services and to understand the drivers behind the adoption of these services. Also, how to obtain customer satisfaction and loyalty under the two models Technology Acceptance Model (TAM) and Unified Theory of Acceptance and Use of Technology (UTAUT). For this purpose, a questionnaire was developed to collect information from Saudi Bank customers to find out the extent of their acceptance of mobile banking services.