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During the last decades, the authors recognized intention was the critical factor to encourage people in accepting and using a technology. However, using mobile applications to consume an online product or service is limited. In this paper, drawing on data from 1383 online transportation customers in Indonesia, the researcher conceptualize TAM as a multidimensional construct consisting of usefulness, ease of use and social influence, and perceived risk consisting of physical risk and psychological risk, and examine its impact on intention and behavior using mobile applications. Using partial least square-structural equation modeling (PLS-SEM), the researchers find that the there are significant relationships between TAM, physical risk, intention and behavior using mobile applications. Unfortunately, this study does not find the relationship between psychological risk and intention. This study also found that the influence of intention on behavior using mobile applications is dependent on perceived usefulness, perceived ease of use and perceived physical risk rather than perceived psychological risk, sex, age, income, experience and habits