This paper investigates reason for the nonutilization of mobile banking by SMEs sectors in Palestine using a survey of 408 SMEs. The results of the study indicate that majority of Palestine SMEs are using computerized systems and utilizes basic ICT technologies, while the use of mobile banking are less than 30%. However, there are key factors that inhibit these SMEs from effectively utilizing mobile banking in their various businesses. The survey reveals that understanding of mobile banking

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... tion is very little among the SMEs business owner's, regulatory environment, mobile banking business model offered by banks are the most prevalent factors for non-utilizations of mobile banking.