This study's primary goal is to develop and analyze a conceptual model that most accurately captures the major elements affecting Jordanian consumers' intentions to use mobile banking (MB). The Technology Acceptance paradigm (TAM) served as the foundation for the suggested conceptual paradigm. Perceived risk and self-efficacy were included as an external element to this. The data gathered from the field survey questionnaires given to a convenience sample of Jordanian banking clients was analyzed using structural equation modeling, or SEM. The findings demonstrated that perceived danger, perceived utility, and perceived ease of use all had a substantial impact on behavioral intention. The last portion also discusses the theoretical and practical ramifications for Jordanian banks and academics in the context of MB. Issues pertaining to mobile banking in the Jordanian setting have not yet been experimentally investigated. Through an empirical analysis of some of the key elements impacting mobile banking adoption from the standpoint of Jordanian consumers, this proposal has sought to close this gap.