Abstract: This paper identifies and investigates the factors which influence customers decision to use a specific form of mobile banking, and specifically focuses on the evaluation of SMS-based mobile banking in India. Other my study plans to connect the gap of research in the acceptance of mobile banking among the customers. Main challenges are what the Positive are and Negative factors which influence the adoption of SMS-based mobile banking? Second is Focus on the adoption of mobile banking services by customers and usage of mobile banking in India. Third is Different Technologies behind Mobile Banking. Although the study has its limitations, the implications of the results allow providing practical recommendations to the banking areas, banking industries and directions for further work.