In this study, the role of individual differences on the cognitive, motivational, and contextual aspects of digital divide is investigated. Given the binary notion on accessibility and lack of accessibility to digital technology, Internet usage is operationalized as an outcome of choice made by individuals. The pertinent underlying factors are identified by integrating the social cognitive theory with the ability, motivation, and opportunity framework. Path modeling analysis is conducted on data collected from 270 respondents in Malaysia, and results show that intrinsic motivation is the most significant predictor of Internet usage. Facilitating condition and extrinsic motivation are also significant predictors, whereas digital skill presents a moderate effect.