AimMobility applications have the potential to support low‐income older adults in facing mobility challenges. However, there is a generally lower uptake of technology in this segment. To understand factors affecting the intention to use a mobility app, we drew upon the Protection Motivation Theory, and tested a model of low‐income older adults' technology adoption.MethodsA cross‐sectional survey was conducted across seven states in Malaysia among community‐dwelling low‐income older adults aged ≥60 years old (n = 282). Measurement items were adapted from pre‐validated scales and 7‐point Likert Scales were used. Partial least squares structural equation modeling was utilized to assess the hypothesized model.ResultsMobility technology awareness was found to shape an individual's threat and coping appraisals associated with their intention to use a mobility app. The decision of a low‐income older adult to adopt a mobility app as a protective action is not a direct function of threat and coping appraisals but is indirect, and mediated by the underlying cost–benefit perceptions of non‐adoption and adoption of the mobility app. In terms of technology perceptions, perceived usefulness is a significant predictor, but not perceived ease of use.ConclusionsThis study entails a new model by uncovering the psychological factors encompassing mobility technology awareness, threat‐coping appraisals, and cost–benefit perceptions on Technology Acceptance Model studies. These insights have important implications for the development and implementation of a mobility app among low‐income older adults. Geriatr Gerontol Int 2024; ••: ••–••.