Mobile commerce is a fast-growing area of research in this era of technology where a country’s economy majorly depends on the revenue earned by e-commerce. With the technology advancement, e-commerce is being replaced by m-commerce applications due to portability. Yet most of the applications are developed for the general public without taking into consideration the context and needs of different user groups and their literacy level. There are hundreds of mobile shopping applications currently available online. In this work, we perform a systematic review of currently available shopping apps present on android and iOS platforms. We also perform participant-based usability analysis of mobile shopping apps using different categories of participants i.e., educated, digitally literate, digitally illiterate, illiterates, and people with physical hand deformities. Different usability problems are identified and reported as a result of this usability evaluation. As a result, we propose domain-specific usability heuristics using the PROMETHUS tool. We also propose a preliminary version of the personalized usability model for m-commerce applications which is an extension of PACMAD model with additional attributes i.e. navigation adaptability, personalization for tactile disabilities (visual magnifier), and versioning. The PACMAD model and the proposed attributes are integrated into the new model.