The advent of mobile banking has revolutionized the financial landscape by providing customers with unprecedented control over their financial transactions and data. This study examines the influence of usability and social networks on the adoption of mobile banking in Ecuador, leveraging a comprehensive framework that incorporates the Technology Acceptance Model (TAM), the Theory of Planned Behavior (TPB), and insights from recent empirical research. The survey, conducted among a representative sample of Ecuadorian banking customers, utilized a structured questionnaire based on a five-point Likert scale. The research revealed that mobile banking services facilitate a range of financial activities, from account management to peer-to-peer payments. Our analysis employed Partial Least Squares Structural Equation Modeling (PLS-SEM) to validate the constructs and assess their interrelationships. The results underscored the high reliability and convergent validity of the measurement model, with constructs demonstrating strong internal consistency. The study found significant effects of perceived usability and the influence of social networks on both the attitude towards using mobile banking and the continued intention to use it. Notably, usability emerged as a crucial factor, influencing user attitudes and the actual adoption of mobile banking services. Furthermore, the impact of social networks was pronounced, affecting both the perceptions of ease of use and the actual usage patterns among consumers. These findings align with the theoretical predictions of TPB and TAM, which suggest that social influence and perceived ease of use are vital determinants of technology adoption behaviors. This research contributes to the academic literature by providing empirical evidence on the specific factors driving mobile banking adoption in Ecuador. It offers valuable insights for banks and financial institutions aiming to enhance their mobile banking strategies to better meet customer needs and preferences, particularly in the burgeoning market of young users in developing countries.