Retaining existing consumers is a challenging task for any business. The banks are facing difficulties in retaining the existing mobile banking users. Customers’ loyalty is an important factor for usage continuation by the customers. This study develops and tests a model by incorporating Social Influence, Ubiquitous Finance Control (UFC), Perceived Trust with Mobile Banking Adoption and Customers’ Satisfaction constructs to study customers’ Loyalty.

Electronic commerce has provided opportunities to businesses to enhance their sale at the door steps of consumers.

The main purpose of this research is to critically analyze the impact of mobile commerce on the banks of Saudi
Arabia. Through secondary research and substantial literature review, the research identifies different impacts and
barriers that can hinder the adoption of mobile commerce. With the passage of time and continuous technological
evolutions one of the most widely used tools in the current scenario that is utilized by banks and other business