This research aimed to investigate what factors influence the adoption and use of technologies in services, more specifically in the financial services sector. The theoretical framework allowed the definition of cognitive and affective constructs for the preparation of the conceptual model. Furthermore, this model also includes constructs with high relevance for consumption of financial services, like Trust and Perceived Risk. Finally, the Technology Readiness construct, developed by Parasuraman and Colby (2014), was added to the model in order to analyze the influence of individual predisposition in relation to technology in general, as an antecedent of the other constructs. Data was collected via an online survey, which was answered by 402 students or recent graduated of graduate and post-graduate courses. The final model, named Model of Readiness and Acceptance of Mobile Payments, indicated that the Readiness Technology has stronger effects on cognitive aspects than on the affective aspects, indicating that readiness significantly assists the rational evaluation process about the use of technologies. Furthermore, the results indicated that the Perceived Usefulness and Advantage construct has the strongest effect over Attitude, followed by Trust and by Enjoyment of Perceived Quality, confirming that the cognitive aspects are predominant in decision-making regarding the use of financial services. Finally, Perceived Risk had a negative but very little effect over Intention. The Model of Readiness and Acceptance of Mobile Payments was able to explain about 76 percent of Attitude and 68 percent of Intention, showing itself a model with good predictive capability and presenting significant contribution to the literature of acceptance of technologies.