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This qualitative study aimed to understand users\u2019 adoptive MFS usage behaviors due to negative experiences and their implications among several communities. The study took place across all eight divisions in Bangladesh and did focus group discussions involving N = 313 participants (female = 203, male = 108, and transgender = 2) covering urban, suburban, and rural regions. Study findings present the ways participants limit their usage, delegate MFS operations, and rely on others to avoid misuse and abuse. The stories also indicate the inability of these measures to avoid monetary loss, which creates more negativity. We discuss the cyclic relationship between negative experiences, social constructs, and confidence. We suggest potential technology interventions to break the cycle.<\/jats:p>","DOI":"10.1145\/3723041","type":"journal-article","created":{"date-parts":[[2025,3,15]],"date-time":"2025-03-15T11:24:39Z","timestamp":1742037879000},"page":"1-31","update-policy":"https:\/\/doi.org\/10.1145\/crossmark-policy","source":"Crossref","is-referenced-by-count":0,"title":["Implications of Mobile Financial Service Users\u2019 Adaptive Usage Behavior: The Vicious Cycle of Negative Experience, Social Construct, and Confidence"],"prefix":"10.1145","volume":"3","author":[{"ORCID":"https:\/\/orcid.org\/0000-0002-0860-0444","authenticated-orcid":false,"given":"Ifti Azad","family":"Abeer","sequence":"first","affiliation":[{"name":"Design Inclusion and Access Lab, Department of Electrical and Computer Engineering, North South University, Dhaka, Bangladesh"}]},{"ORCID":"https:\/\/orcid.org\/0000-0002-9240-2108","authenticated-orcid":false,"given":"Anik","family":"Saha","sequence":"additional","affiliation":[{"name":"Design Inclusion and Access Lab, Department of Electrical and Computer Engineering, North South University, Dhaka, Bangladesh"}]},{"ORCID":"https:\/\/orcid.org\/0000-0003-4225-7413","authenticated-orcid":false,"given":"Anik","family":"Sinha","sequence":"additional","affiliation":[{"name":"Design Inclusion and Access Lab, Department of Electrical and Computer Engineering, North South University, Dhaka, Bangladesh"}]},{"ORCID":"https:\/\/orcid.org\/0000-0001-5788-2145","authenticated-orcid":false,"given":"Rahat Jahangir","family":"Rony","sequence":"additional","affiliation":[{"name":"School of Computer Science and Informatics, Cardiff University, Cardiff, United Kingdom"}]},{"ORCID":"https:\/\/orcid.org\/0009-0007-4444-7428","authenticated-orcid":false,"given":"Gazi Fakhrul","family":"Islam","sequence":"additional","affiliation":[{"name":"Design Inclusion and Access Lab, Department of Electrical and Computer Engineering, North South University, Dhaka, Bangladesh"}]},{"ORCID":"https:\/\/orcid.org\/0000-0003-4899-4780","authenticated-orcid":false,"given":"Shajnush","family":"Amir","sequence":"additional","affiliation":[{"name":"Design Inclusion and Access Lab, Department of Electrical and Computer Engineering, North South University, Dhaka, Bangladesh"}]},{"ORCID":"https:\/\/orcid.org\/0000-0001-8668-0120","authenticated-orcid":false,"given":"Md. 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