Australians won't switch banks because of a better mobile banking service being offered by a rival institution.A new survey of more than 1,700 Australians found fancy mobile services were generally not a catalyst for bank account churn. Effective Measure's new report, Australian Finance: Mobility and Access, noted that respondents typically displayed "cool indifference to a better mobile offer. It was not seen as a compelling reason alone to move to a new bank."The mobile technology race being run by the major banks began in earnest in 2010, when ANZ introduced its goMoney application. Since then all the majors, and most of the smaller financial institutions, have invested heavily in rolling out mobile phone and tablet apps, with many now turning their attention to mobile wallet technologies, which are able to store multiple cards and, in some cases, be used to facilitate contactless payments.But mobile bells and whistles don't seem to be winning the banks any new business, and they don't guarantee any change in consumer behaviour.While many respondents to the Effective Measure survey were happy to check their balances from a mobile device, the report revealed lingering resistance to using smartphones to make payments, and only a small percentage of respondents - very few over the age of 35 - said that they planned to use mobile devices to facilitate mobile payments over the next six months.Guy Cranswick, IBRS analyst and the report's author, said he had been surprised that there was not a greater appetite for mobile payments amongst young respondents. He said that generally the survey had uncovered an "inherent conservatism" both in terms of how people used technology and how they managed their finances.This reinforces HP-RFi Australian Payments Research's findings from November last year, which noted that demand for smartphone-based payments had plateaued, with less than a quarter of respondents adopting such apps. Only 23 per cent of respondents to that survey expected their phone to become their preferred payments platform in the next five years.Effective Measure's survey also provides an intriguing demographic snapshot of the people being drawn to bank websites. It claims that the typical Commonwealth Bank customer is a young male. Other banks tend to attract older female clientele, while Suncorp attracts young women.