Abstract: In the last few decades the rapid technological change has been observed in the banking industry of both developing and developed countries. The utilization of internet banking increased the level of competition in banking sector. The objective of the study is to determine the factors that impact on the attitude of customers towards the usage of mobile banking.The study collected the data by 150 respondents of five selected banks. The study used perceived usefulness and risk as independent variables and attitude of customers as the dependent variable.Findings of the study revealed that both perceived usefulness and risk are significantly contributed in shaping the behavior of customers towards the usage of mobile banking in Pakistan.The study concluded that the management of the banks should mitigate the fraud issues by providing more privacy and security to their customers.