This study explores the factors influencing students, small business owners (SBOs), and farmers to use mobile money services in Bangladesh. Regression analysis of the quantitative responses of 153 study participants, who are customers of Dutch Bangla Bank, a leading mobile money service in the country, shows that, unlike farmers and SBOs, students are hardly affected by the benefits of using mobile money, efforts involved, and facilitating conditions. Instead trust is one of the key factors influencing their use of mobile money. Digital and financial illiteracies pose a major challenge for farmers to benefit from mobile money. SBOs are oblivious to several mobile money services in the country; hence, these services need to better advertise themselves to reach out to SBOs.