Abstarct: The banking industry has evolved into new forms of banking facilitated by digital devices and interfaces. Mobile banking has recently emerged as an innovative banking channel. While a wide range of studies have been conducted on mobile banking, the study of mobile banking is limited in terms of acceptance and intention to use the integrated method of system dynamics and econometrics. The purpose of this study is to present a model of mobile banking adoption by Tejarat Bank customers with the integrated approach of system dynamics and econometrics. The research period covered is from 2006 to 2020 and the simulation took place up to 2031. The research hypotheses were evaluated using the model and the results show: Increasing the quality of the provision of mobile banking services increases the satisfaction of bank customers and thus increases the adoption rate and ultimately the actual users of mobile banking. As advertising increased, the adoption rate increased and the number of actual users of mobile banking increased. An increase in the bank's net operating profit increases the bank's revenue, which promotes the development of mobile banking and ultimately leads to an increase in the actual users of mobile banking. In addition, the model has shown sensitivity to two scenarios, including the increase in coronavirus disease and increasing the effectiveness of advertising, which increased the adoption rate of mobile banking, but the scenario of increasing the effectiveness of advertising was more effective.