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Consumer adoption of smart phones is growing globally at an exponential rate presenting significant commercial opportunities for all organizations. The percentage of the population using mobile phones in Ireland is the largest in Europe, with market revenue of €2 billion in 2009, and 117.3 percent penetration. However, the commercial growth potential of smart phones is being hindered by an industry failure to adopt an accepted m-payment model to facilitate the widespread adoption of m-payments. Furthermore, previous research has shown there is a lack of a willingness among consumers to make m-payments. However, little is known about consumer’s perceptions of m-payments using a smart phone or what factors impact upon these perceptions. In response, this paper develops a theoretical smart phone m-payment model, and applies it using an online survey, to explore Irish consumer’s perceptions …