Access to, and the exorbitant costs of formal financial services are the barriers to financial inclusion for Zimbabwean rural communities. There is a very low rate of financial access, but yet an unmatched high mobile phone penetration in these rural areas. This studys secondary objective was to investigate the effectiveness of mobile banking in rural financial inclusion. There were five primary objectives; determining current levels of m-banking adoption by rural communities, identifying factors influencing adoption of mobile banking technology through the use of the extended TAM,...