Factors influencing the adoption of M-Wallet: An exploratory study at University of Mosul

M-wallets services under the umbrella of e-payment have become a main tool for transferring money at an affordable cost. Although the benefits of m-wallets services, its adoption remains a huge challenge in developing countries such as Iraq. The purpose of this study is to explore the factors influencing the m-wallets services adoption Iraq by using the UTAUT2 theory with privacy. A quantitative approach was adopted to examine the proposed model. Survey method has been used to collect data; the sample was 230 participants from university of Mosul. Structural equation modeling (SEM) was used to analyze the collected data.  The results of this research confirmed that performance expectancy, conditions, facilitating, Habit and Privacy have positively influence behavioral intent to use m-wallet services. While, price value and effort expectancy did not have an influence on the users ‘intention toward m-wallet. Finally, the contribution to theory and Implications for practice for this research are also questioned.