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Mobile commerce is a major application domain for mobile devices, which enabling user to perform commercial transactions wherever they go. However, these applications require a high level of security. This paper describes how Mobile Financial Application (MFA) performs in Bluetooth technology and identifies some important security issues. One of important security issues in Bluetooth is user authentication. It can only authenticate devices and not users. We use Secure Socket Layer (SSL) as a user authentication solution to be incorporated at the application-level security to provide encryption and build secure tunnels between the Bluetooth device and the network. This paper also describes implementation of user authentication in Bluetooth technology using SSL.