Abstract Mobile Finance is a derivative of Internet finance that bases on wireless assessment of Internet in mobile devices. It came into existence when online banking services were brought into use in mobile phones. Yet, it‘s quite fresh to many people that the service providers originate from non-bank third parties, especially in the developing countries. This article explains the adoption of mobile finance services offered by non-bank third parties in China. Except the basic elements of Technology Acceptance Model Perceived Ease of Use, Perceived Usefulness, Behavioral Intention to use and Actual Usage, the research inherits constructs of Flow Experience, Social Influence, Personal Innovativeness, Perceived Risk, Trust, Perceived Financial Benefit and Perceived Financial Cost from other theoretical models. With Exploratory Factor Analysis, Cronbach’s Alpha Reliability Analysis and Multiple Linear Regression Analysis, the relationship among the above constructs aligned with the adoption of Mobile Finance will be revealed. The findings can yield valuable and contribute to the design of the non-bank third parties‘ Mobile Finance applications, as well as the focuses of market strategies.