The important goal of this study is to examine the way to increase the range of mobile banking users in Bangladesh which is based on the problem statement and other issues that affect customers' uses of mobile banking. The study also investigates the factors, demographic variables, and user’s perceptions that influence the adoption of mobile banking in Bangladesh. The study describes mobile banking usage based on age, gender, education level, working status, income level, geographic location of the respondents, possession of the mobile phone and bank account as demographic variable and the perception of users in terms of perceived usefulness, perceived ease of use, perceived innovation, perceived risk, awareness, customer service, overall customer intention. A questionnaire has been made to conduct a survey on a sample of 120 mobile banking users (active and inactive) and non-users. The evaluation revealed that maximum involved respondent is male and office workers age 18-30years. Correlation and regression analysis of this study has found that the Usage of mobile banking service and perceived risk has a negative correlation. On the other hand, there is also a negative relationship between Customer trust and perceived risk. This study also revealed that in order to expand mobile banking adoption intention, banks have to build favourable attitude through enhanced perceived usefulness, perceived ease of use, perceived innovation, consumer awareness as well as perceived risks associated.