This work is of theoretical and practical importance, that is, generation of new knowledge associated with mobile commerce adoption in terms of security concerns and trust which will help not only future researchers but also e-businesses. There was a test on whether trust, perceived risk, perceived usefulness, and perceived ease of use negatively or positively affect the constructs of the proposed model. The perception of risk in terms of privacy, m-payments, m-commerce legislation and quality of delivered products has negative effect in the intention to use mobile commerce. Additionally, trust elements such as good reputation, enticing promises, good encryption security and transparency, reduce the perception of risk and increase the intention to use m-commerce. Moreover, the availability of policies that are easy to understand and find, has positive effect in the intention to use m-commerce. Last, when customers feel free of risks and have high level of trust in the intention to use mobile commerce, they actually adopt it.