Australia fares poorly on a "fintech banking scorecard ranking" devised by sell-side analysts at UBS.Jonathan Mott, the investment bank's Sydney analyst, is a co-author of a report last week in which London strategist Philip Finch gets top billing.The UBS fintech research collates data that challenges assumptions about vibrancy of any fintech footholds in Australia.Slow take up of mobile payments is one marker of an Australian finance market trailing other modern economies in the take up of fintech.UBS scored Australia 38, compared with 13 for leaders France and Japan, with a lower score indicating a higher ranking. The score weights the rankings for a selection of data points on industry progress on fintech indicators.UBS surveyed 28,000 consumers and 61 bankers.Seven per cent of Australian consumers had used "non-traditional mobile payments" and one in ten of those planned not to do so again.?The warmest starts on this measure are in Thailand, India, Turkey, Indonesia and China.One global measure is a pointer to shared disinterest in Australia. UBS listed the low percentages of customers who have used and are likely to use key fintech services over the next 12 months.Mobile payments lack zip, used in developed markets by only eight per cent of the 28,000 in the 24 country survey pool. In developing markets this percentage is 24 per cent.In Australia, 14.2 per cent of people said they were "likely to use financial services by a non-bank provider over next 12 months", and 55.3 per cent said they would be happy to look at a web-based payment over that same period.Italy and the US led on this metric at 20.2 per cent and 22.8 per cent. UBS used this fintech study to rationalise a story of rising global bank profits over coming years.In a nod to the progressive character of fintech the UBS analysts projected "a cumulative 3.8 per cent revenue uplift (net of cost release)" over three years from bank uptake of fintech thinking.UBS said it "adjusted UBS 2019 base case estimates for global banks in aggregate."These net revenue adjustments could take the 2019 global cost/income ratio from our current estimate of 49.6per cent to 47.8 per cent," it said.UBS adopted a lift in "our forecast of global banking ROE from 11.3 per cent to 12.5 per cent and from 14.2 per cent to 16.0 per cent for emerging markets banks (whose management seem much more optimistic)."Some data will bring a smile to fintech optimists, with four per cent of consumers responding they'd invested in P2P loans.Thirteen per cent, or three times as many, said they had applied for a P2P loan or said they soon planned to do so.