The purpose of this study is to discover the effect on e-service quality on loyalty via trust and customer satisfaction for mobile banking based on smart phones in China. We choose e-service quality with 5 factors (efficiency, system availability, fulfillment, security/privacy, and empathy) as independent variables. We select loyalty as a dependent variable, and customer trust and satisfaction as mediating variables. The results of this study are as follows: First, security/privacy and empathy have a significant influence on trust. Second, efficiency, fulfillment, and security/privacy have a significant influence on customer satisfaction. Third, customer satisfaction have a significant influence on trust. Fourth, customer satisfaction and trust have a significant influence on loyalty.