Mobile banking is a new financial innovation that is gaining acceptance at varying levels in different parts of the world. Mobile banking is a technological innovation whose acceptance can be explained by the technology acceptance model in information systems. Furthermore, intentions to use a mobile banking service can be explained by an individual’s initial trust in the banker. Previous research has also established the role of culture in the acceptance and use of technology. Our study integrates all these three perspectives and examines them in order to understand their linkage to behavior.