Quality of mobile connectivity in Nigeria has accounted for significant 'Digital divide' in term of usability between voice and data transmission with effect on quality of operation in some organization especially in the financial sector. This paper evaluates bank service quality, mobile connectivity and adoption of internet banking among selected University Students in Oyo state Nigeria.

Data are mainly primary with a structured questionnaire and focus group constituting the major instruments for data collection. Collected data are analyzed for relationship using both regression and correlation analysis. Findings from the study revealed that Service Quality, trust and technophobia are significant attributes determining customers' adoption of internet for bank services with p and t-values at (0.00) 12.5; 0.000 (5.89) and 0.097 (1.66) at 5% and 10% level of significance. Loyalty to bank branch (llb) and technical skill acquisition are predictive attributes for perceived credibility given an overall R 2 = 0.9542 with Technical skill acquisition (tsa) and technophobia constituting significant attributes for assessing bank website quality.

Furthermore; only service quality (sq) and technophobia has significant influence on mobile service connectivity. On the supply side a regression analysis of relationship between selected bank specific variables such as deposit size, Net-profit, ICT investment and Capitalization indicate high predictive influence of these variables with shareholders equity given R2 =0.9511. Based on these findings the study concludes that bank service quality and availability of mobile service have significant influence on mobile connectivity and recommendations are made in line with the findings and conclusion.