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Mobile technology and services is rapidly developed and dispersed in the world. Mobile business also is the growth industry. In mobile environment, a mobile baking service is remarked newly. This service is based on information technology(IT), and consists of components of IT. As developed these components of IT, service providers should comprehend a meaning and willing of contemporary of users. Implementing these components of IT is a design. A purpose of design of these services is moved into customer perspective of external factors instead of internal ones by technological effects. This study empirically tested characters of mobile banking services through views of IT artifacts. This is, IT components as artifacts involve specific meaning and willing of people. In order to know relationship between characters mobile banking services and usage, this study tested IT components. We measured a degree of IT components' importance of mobile banking services. This study is analysis of preference IT elements to consist of services of mobile banking. Tested results are that Ubiquity and Reachability, and security influenced to usage. And finding of this study is partially difference to preference IT elements to consist of services of mobile banking between Korea and America.