In this paper we investigate the factors influencing the intention to use of smart-phone mobile banking service in China. We include the characteristics of smart-phone, mobile banking service, and users to the research model and also consider user satisfaction as an intervening variable. We try to find and prove the factors influencing the intention to use of smart-phone mobile banking service by surveying 206 chinese users and using structural equation model. This empirical paper proves that mobility, instance connectivity, use convenience, and intimacy give positive effects to intention to use of smart-phone mobile banking service. In addition, this paper indicates some managerial implications that mobility, access speed and the easy user interface can help to increase the degree of user acceptance.