Mobile payment development in modern society has been faster than any time in the past because of the spread of smartphones (Hayashi, and Bradford, 2014). The technology barriers have mostly removed with Internet developed since the Millennial. Today, mobile payment system is highly compatible on overall environment and conditions to adopt mobile payment has increased at a fast pace on a high note. Despite the incredible growth of mobile payment, the low adoption rate is still underscored in a global perspective. The reason is that mobile payment is a new product category and still at the beginning of its life cycle (Aydin, and Burnaz, 2016). According to a survey conducted by Groupe Speciale Mobile Association (GSMA) in 2017, a report of global year-on-year growth of mobile payment had reached 24.6% (Fig. 1.1) In addition, the booming growth rate of active users was roughly 30% in 2017.