Targeting individual consumers through in-app ads requires understanding their unpredictable behavior. To understand the underlying mechanism, this article has focused to identify the influence of self-efficacy, the perceived value of collaboration, and incentives on intention to interact with in-app ads. Self-efficacy is used as a moderator. The perceived value of collaboration and incentives are tested as mediators. Age in terms of digital natives and digital immigrants is used as a control variable. Large-scale online survey data was collected. PLS-SEM technique was used for data analysis. As per result, digital natives and digital immigrants behave in the same way for acceptance of in-app ads. The perceived value of collaboration and incentives have a direct influence on intention. Self-efficacy does not influence intention nor act as a moderator. This research helps advertisers, app developers, and other stakeholders involved in in-app ads services to understand the importance of influential factors found in the study.