This paper investigates Finnish mobile Internet use and mobile payments, playing on the dual roles of citizens as users of a technology and consumers of services. The empirical section of the paper consists of an analysis of a nationally representative survey (n = 5,405) collected in 2012 and 2014. The data represent individuals aged 15 to 79. Our results indicate that Finns have become more active users of the mobile Internet and services such as mobile payment. The observed differences in user categories continue to be associated with age, education level and other socio-demographic factors. This also applies to expressing worries regarding information security, which continue to associate not only with use purposes, but also with age and other individual characteristics.