This paper proposes a model to explain the underlying behavioural antecedents of digital divide in terms of usage of digital technology. Further to the extant conceptualization of ability has the underlying factor of technology usage, we posit an encompassing determinant in terms of individual’s engagement, which is conceptualized from the ability, motivation and opportunity (MAO) framework. Specifically, we identify ability and motivation as the determinants of individual’s usage of digital technology and suggest technology accessibility in terms of opportunity, as the moderator of the relationships.