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Purpose: Understanding consumers' preferences and reasons for adopting new particular technology is crucial to provide the available services that create value for stakeholders and consumers. This study researched offline m-payment adoption in the Chinese market based on consumers' point of view. It aims to investigate (1) which key factors determine whether consumers will adopt and use offline m-payments in the Chinese market's context, and (2) whether the individual traits have any moderating effects on consumers' intentions to adopt offline m-payments. Design/methodology/approach: An empirical research on determinants for offline m-payment adoption has been conducted. The direct influences of the factors determining offline m-payment adoption are explored with an integrated model based on TAM model, the most widely implemented model of user acceptance and utilization of information technology in scientific and technical literature. Perceived usefulness, perceived enjoyment, and habit were used as independent variables. Two important individual traits (self-efficacy and self-expression) were used as moderating variables. Additionally, the perceived ubiquity of consumers, a unique attribute of m-payments, was used as a mediating variable. Findings: Perceived usefulness, perceived enjoyment, and habit all were found to have a positive effect on behavioral intention. Self-efficacy doesn't moderate the effect consumer's perception of usefulness has on use intention but has a negative moderating effect on the relationship between perceived enjoyment and behavioral intention, as well as between habit and behavioral intention. Additionally, the current study shows that self-expression has no moderating effect on the process of adoption. Finally, the analysis showed that perceived ubiquity is a mediating variable in the relationships between perceived usefulness and behavioral intention and perceived enjoyment and behavioral intention. Third, it may be useful to integrate promotions and targeted ads from merchants. ...