Purpose: This study examined the influence of mobile health applications, perceived ease of use, and cultural beliefs on maternal healthcare utilization in Accra.

Methodology/Design: A quantitative research approach was employed using structural equation modeling to test the relationships among the variables.

Findings: The results revealed that mobile health applications significantly improve maternal healthcare utilization (β = 0.36, p < 0.001), while perceived ease of use has a stronger positive effect (β = 0.42, p < 0.001). Cultural beliefs negatively influence maternal healthcare utilization (β = -0.29, p < 0.001). In addition, perceived ease of use significantly predicts mobile health application adoption (β = 0.48, p < 0.001).

Implications: The study highlights the need for user-friendly mobile health systems and culturally sensitive health interventions to enhance maternal healthcare utilization. Policymakers and healthcare providers should prioritize digital health integration and community-based education to address socio-cultural barriers.

Originality/Value: The study integrates technology adoption theories with socio-cultural perspectives to provide a comprehensive understanding of maternal healthcare utilization in an urban African context.