M-Commerce includes the services that facilitate transactions from mobile phone. These services act as a powerful tool for financial inclusion and make the financial services available in remote areas. Mobile banking alerts, mobile banking transactions, mobile ticketing, information and enabling payment are the major services that customers can access through m-commerce (ASSOCHAM, 2011; and Li et al., 2012). Mobile banking facilitates checking bank account, viewing mini-statements, paying bills, transferring funds between bank accounts, and remittance of beneficiaries (Jabri and Sohail, 2012).Mobile shopping facilitates order and pay for goods and services through handheld devices (Hung et al., 2012). Value proposition in m-commerce is identified as: