The introduction of information technology in the banking industry has created a competitive environment in this industry. Banks need to replace traditional methods with new banking methods in order to gain more customers, reduce costs and thus gain a competitive advantage. Changing technologies and customer preferences can have a tremendous impact on the success of banks' strategies. Given the growing use of mobile banking, financial institutions are offering this technology as part of their strategic solutions. . However, the use of new technologies may not always be accepted by some customers, which is one of the issues facing the banking industry. It is expected that a combination of the above models has been used in this research to solve the relevant problem. The place of study of this research was the students of Fasa universities who were selected as a sample using Cochran relation and 361 people were randomly selected as a sample. The research method is descriptive-correlational and the data collection tool is a combined questionnaire from two models. The reliability of the questionnaire was confirmed using Cronbach's alpha equal to 0.924 and the validity of the questionnaire was confirmed by experts. The results of analysis of research hypotheses using structural equation modeling based on the least squares method using Smart PLS software showed that all research hypotheses have been confirmed.