This research study was conducted to explore the association between consumer attitudes and adoption of mobile payment in South Africa. Students of University of Witwatersrand were interviewed to identify their attitudes regarding usefulness, ease of use and risk. The results revealed majority of consumers found mobile payment systems as convenient and saved significant amount of time. Consumer perception of usefulness was found to be significantly associated with adoption. Perceived risk was weakly associated with adoption and perceived ease of use was not associated with adoption. However, introduction of income to moderate the effects of perceived ease of use led to significant positive association with adoption. Similarly when awareness was introduced to moderate the influence of perceived risk, the interaction had a significant positive association with adoption. The outcome of study resulted in improve understanding of consumer adoption of MPS in South Africa.