With the development of technology, mobile fingerprint instruments are now actively introduced to consumers as a secure and convenient solution to problems related to identity control and authorization verification management in m-payment systems. This study aims to reveal whether consumers’ inference about a tradeoff between convenience and security still influences today’s m-payment environments. A presumed research model was proposed and tested using structural equation modeling to explore the effects of perceived security, privacy, and convenience of Touch ID in-app payments on attitude toward and usage intention of the technology, mediated by perceived risk and trust. The results (n = 406) revealed that perceived privacy, security, and convenience of Touch ID in-app payments directly or indirectly influenced consumer attitude toward the technology, also trust and perceived risk significantly mediated the effects of such factors on attitude, predicting usage intention. These findings have important theoretical and practical implications, particularly for the development and marketing of retailer’s in-app payments.

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.