Many technological innovations have occurred within the past decade that have revolutionized the banking industry. The most important has been the Internet and the emergence of mobile-commerce (m-commerce). The aim of this paper is to investigate how Wireless Application Protocol (WAP) banking is being implemented with younger adopters. A conceptual model is developed based on the behavioral intentions younger adopters have on WAP banking that is tested through a survey instrument. Social cognitive theory underpins the conceptual model and helps to explain some of the findings from the study. Suggestions for future research are also espoused.