This study aims to figure out the constructs of mobile financial service (MFS) and examine the user's adoption of MFS by measuring the impact of individual constructs on users’ adoption. This study is quantitative, and it takes a deductive, positivist approach. SPSS version 25 and SEM-Amos version 24 were used to analyze the data. Based on the structural equation model (SEM), the study found that trust variables, financial variables, and information variables all have a significant positive effect on user adoption. On the other side, the hypothesis that usage and security would lead to greater adoption was proved to be false. This study helps policymakers and managers better understand their customers and offer products and services that meet their needs by creating a secure and effective usage policy. Besides the study, introduce some leads to conduct further study considering the individual service provider more specifically.