Helping the least advantaged people is important for the growth and the development of the countries. Financial inclusion is a key enabler to poverty reduction and economic growth. Therefore, application of Mobile Financial Services (MFS) to improve financial inclusion need to be targeted on improving the growth of the least advantaged one. In this research, we identified factors that influence the adoption of MFS using exploratory methods. By comparing existing research results, we propose a recommendation of MFS adoption in Indonesia in order to support the sustainability of MFS and the growth of the society.