Tewodros Mesfin (PhD)Fanuel Tsegaye2024-03-042024-03-042022-06https://etd.aau.edu.et/handle/123456789/2109The study adopted Technology acceptance model (TAM) and Unified Theory of Acceptance and Use of Technology (UATUT) as a research model. Perceived -Usefulness, perceived ease of use, Perceived -trust, Perceived -cost, Perceived -risk and social -influence were among the six independent variables included in the study. The study hypothesizes the above variables that are presumed to have an effect on the adoption of mobile money service. Quantitative research approach was used to answer the research questions. The data for this study was gathered through a questionnaire that was distributed to 330 people. Factor analysis was used to establish the construct validity of the measurement items, and reliability was established using Cronbach’s alpha coefficient. Using SPSS 25 software, the collected data was analyzed by means of Pearson correlation and multiple regression methods. According to the findings of the study perceived-usefulness, perceived-ease of use, perceived -trust and social -influence were seen to have a significant effect on the adoption of mobile money services. On the other hand, perceived -cost and perceived risk were shown to have no effect on the service's adoption. The insignificant effect is may be due to higher transaction cost customers face and transaction errors that may occur while using the service. Therefore, its recommended by the researcher that the service provider should work to upgrade the performance of the system and minimize transaction errors, applying higher security for protecting customer’s privacy and consider a reasonable transaction cost to achieve higher level adoption of the service. Key Words: Tele birr Mobile Money service, Adoption, Technology Acceptance Modelen-USThesis