In this paper we intend to investigate the problem of the mass adoption of new payment instruments, such as Near Field Communication enabled mobile phones, by analyzing the results of the survey on Mobile Payment in Italy conducted by the "Center of Expertise on Technological Innovation" of CATTID (Centre for Application of Tele services and Technologies for Innovation in Digital world), Sapienza University of Rome. By working at CATTID as specialized researchers on the NFC technology, now that NFC is getting increasingly attention from a commercial point of view, we want to deepen the matters of the users wants and needs about mobile payment, with a view to its wide mass adoption. The method of investigation we chose has been both qualitative and quantitative. From our study, focused on Italian users, we have found that, although users are ready to adopt mobile payment instruments, the market scenario is not growing so fast and the difference will be made by the level of confidence in the financial transaction perceived by consumers. On this, NFC technology is on the good way and we can imagine possible evolution in the security and marketing fields.