The trade-off between Usability and Security has been well researched with various models
proposed on how best to improve Usability without jeopardizing Security and vice visa. Usable
Security has become a key factor in Mobile Financial Services (MFS), the new frontier for mobile
phones utilisation. However, have the compromises gone too far? The trustworthiness of MFS
system has already slowed down new adoption and impacted ongoing security trust issues and
user confidence in spite of potential MFS benefits for its users. To understand this growing lack of
trust with MFS, we need to comprehend the nature of Usable Security in assuring the behaviours of
MFS users and determine the right trade-off to improve trust whilst facilitating future uptake. We
conducted an empirical survey of 698 user’s experience of MFS and here present our findings of
this investigation for further synthesis towards proposing practical control elements to assure
Usable Security in MFS
