When developing and aiming to achieve success in the arena of mobile commerce, user behaviour is one of the main aspects for consideration. This research seeks to analysis whether individuals’ (gender, age, education level) influences their mobile commerce usage within the context of Saudi Arabia. The individuals analysed are own smartphone. We further present three hypotheses that investigate whether demographic factors have a significant statistical impact on the perception of those factors for mobile commerce acceptance in the Kingdom of Saudi Arabia. Survey data were collected from 574 participants in several cities across Saudi Arabia. The results emphasise that age affect statically on the actual usage. However, gender and education level all considerably not affect on the mobile commerce actual usage.