Introduction of mobile banking has enlightened the new ways of business penetration for traditional banks. Over the last two decades, availability of internet and data services massively increased mobile USAge which boosted the demand for mobile banking due to its ubiquity and immediacy features. This paper seeks to explore the user perception against mobile banking adoption with technology perspective. The assimilation of “TTF” task-technology fit and “UTAUT” unified theory of acceptance and USAge of technology projected a mobile banking adoption model. It further proposed that task-technology fit and customization of technology influences user adoption. This Study came with diversified results of developing country like Pakistan.