This study on the moderating effect of electronic quality in mobile marketing aims to examine the factors that influence how Saudi commercial banks are viewed by their customers. A research framework that sheds light on the state of the research was developed after a comprehensive analysis of the accessible literature. The theoretical foundation of this study is the idea of perceived characteristics, which identifies five critical factors that influence adoption rates. The empirical results of this study are presented based on a sample of 300 respondents (n = 300). The research was conducted using the statistical technique of least squares structural equation modeling (PLS-SEM). The reporting format conforms to accepted PLS-SEM analysis standards. The results reveal a significant association between mobile marketing and customer perceptions in the context of Saudi commercial banks, especially when electronic quality is used as a mediating variable. Based on these findings, we suggest that Saudi commercial banks should strategically include e-quality in their digital marketing campaigns, paying special attention to mobile marketing.