Abstract—This research paper is understanding the situations of mobile payment service in Hong Kong; and study whether consumer intention is affected by Perceived Risk, Perceived Trust, Perceived Security and Technology Acceptance Model. Qualitative and quantitative research are the main methodology in this research. Data of survey were collected in school and online system from 121 participants. The results indicated that all variables affected the consumer intention by using SPSS. The results show an effective way to improve the security system of mobile payment, which encourages the consumer intention to use mobile payment. The Government and enterprise are needed to provide some activities in order to encourage consumers to use mobile payment services. This is an empirical study to understand the mobile payment situation in Hong Kong and it looks into the factors that influence consumers' intention to use the mobile payment system. There is a clear requirement for further research with perceived enjoyment and attitude.