The purpose of this paper is to explore barriers, the mediating role of usability and the moderating effectsof personal innovativeness and subjective norms on consumers’ attitudes towards use of mobile bankingin Iran. Based on the consumer data collected through a survey, structural equations modeling (SEM) andpath analysis were employed to test the research model. The results revealed that ‘‘system compatibility’’was found to be the main factor affecting users’ attitudes towards use of mobile banking. ‘‘Resistance’’showed a signi?cant negative effect on both ease of use and usefulness. ‘‘Perceived usefulness’’ mediatedthe relationship between ease of use and users’ attitudes. At last, both subjective norms and personalinnovativeness moderated the relationships between usefulness and attitude. The sample was only com-posed of mobile banking users and non-users were not studied. Past studies have seldom examined therole of individual drivers like personal innovativeness and social drivers like subjective norms as moder-ating variables in the context of developing countries.