Advances in computer and communication technologies have enriched communication and learning methods, demanding further improvement in curriculum design. This study explores mobile-learning (m-learning) culture among students of Malaysian institutions of higher learning (IHL). Two objectives are set: Firstly, to establish a culture of mobile wireless technology (MWT) application in tertiary learning; and secondly, to design a curriculum and validate the m-learning model incorporating the learning culture at higher learning institutions involving components such as ethics, social norms and attitude. A survey was carried out on 490 random samples drawn from students of five universities and one community college in Malaysia. Data collected were analysed using descriptive statistics to address the first objective of the study. A Structural Equation Model (SEM) of mobile-learning culture at institutions of higher learning (IHL) was designed and validated to fulfil the second objective. The findings suggest that: The model is able to explain significant contributions from all predictors on the actual use of MWT in learning. In conclusion, the study confirms that educators should include ethics and behavioural components while designing curriculum for institutions of higher learning in Malaysia.