Many factors contribute to behavioural intention towards using mobile banking. The variables are mostly based on TAM or UTAUT. Are there other models/ theories related to the question above and which are relevant more in middle east?
Would you consider mobile banking a hedonistic-motivation system? As "mobile banking" is widely used for various purposes, it might fall under this category e.g. online shopping. If you were to define mobile banking as such, then you might want to take a look at HMSAM proposed by Lowry et al (2013).