The first mobile commerce services emerged on the Norwegian market in the late nineties and in constant growth. This paper looks at the status on mobile commerce and e-money in Norway today, which participants exists on the Norwegian market and what kind of international organizations work in the field. An interview with three service providers in Norway and Norges Bank has been carried out. This paper presents three different theories relevant to the adoption of a new technology, in this case mobile commerce. The three theories are Customer Perceived Value, Technology Acceptance Model and Network Externalities. A survey has been conducted to investigate the consumer’s thoughts on mobile phones as a payment solution. This survey was presented to a fairly large group of people (400+) assumed to have some knowledge of the technology. The paper discusses adoption of new technology, and especially mobile commerce, based on the findings from the interviews and surveys.