Fin-Tech, known as a financial service based on Information Technology, has received lots of attention from global IT companies, and a variety of Fin-Tech services has been launched over the last few years. Most of them focus on online marketplace, but Tap-and-Pay styled mobile payment service, such as Apple Pay and Samsung Pay, extends to offline marketplace. Mobile payment service providers expect that a variety of payment methods (e.g., credit card and cash) will converge into Smartphone on your hand in the near future. This paper demonstrated that consumer attitude can be affected by perceived risk of losing their smartphone and recognition for a credit card as a major competitor, and argued that these factors would be a challenge for mobile payment service providers. In Experiment 1, we primed perceived risk of losing a smartphone by asking whether they have any experience for losing your mobile phone. As a result, perceived security and intention to use Tap-and-Pay styled mobile payment service in the priming condition were lower than those in the control condition. It implies that consumers have concern to lose their smartphone because of storing not only their personnel information but also financial information, and it may make them hesitate to adopt it. In Experiment 2, recognition for a credit card was also primed by asking how many time they used their credit card in a day. Participants’ preference and intention to use Tap-and-Pay styled mobile payment service in the priming condition were lower than those in the control condition. To use mobile payment service, consumers should run the app, secure with the fingerprint, and tap the smartphone on the card reader. If using a credit card, they should take out the credit card from the wallet, give it to a shop assistant, and receive it from him/her. At least, there seems like no difference in convenience. It means that convenience of mobile payment service is not good enough to achieve a competitive advantage over the competitor, credit card. Overall, these results clearly show that companies need to put lots of effort to attenuate consumers’ concern about losing smartphone and increase perceived convenience for thriving in the market.