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With the rise in mobile device use, m-commerce is becoming the preferred method for electronic transactions. Consequently, models explaining consumer behavior in technology adoption are evolving. Among these, the UTAUT model stands out as one of the most frequently used. The aim of this paper is to determine whether variables such as performance expectancy, effort expectancy, social influence, and trust influence consumers' intention to use mobile commerce services. Additionally, the paper examines whether personal innovativeness significantly moderates the relationship between these variables and the intention to use mobile commerce. The study employs descriptive statistical analysis, reliability analysis, correlation analysis, multiple regression analysis, and moderation regression analysis. The results show that performance expectancy, effort expectancy, social influence, and trust are drivers of the intention to use mobile commerce. Furthermore, the findings indicate that personal innovativeness significantly moderates the relationship between trust and the intention to use mobile commerce in the future. The research results may be useful for m-commerce service providers in terms of improving system security, promoting the utility value of these services. The originality of this paper lies in testing the moderating role of personal innovativeness in the relationship between the mentioned variables and the intention to use m-commerce.

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