Cash accounted for 37 per cent of all consumer payments in 2016, down from 47 per cent in 2013 and 69 per cent in 2007, a survey by Roy Morgan Research for the Reserve Bank of Australia has found.Debit cards, credit cards and charge cards held a 52 per cent share in 2016, up from 43 per cent in 2013 and 26 per cent in 2007.But internet and phone banking cornered only a one per cent share. BPay accounted for two per cent and cheques a mere 0.2 per cent.The median value of cash held in consumers' wallets was A$40 in 2016, down from $55 in 2013.Around one-fifth of respondents "were not holding any cash in their wallets at the beginning of the survey week," the RBA said.One insight is on the use of digital wallets or mobile payments, a fashionable arena for bank investment but one out of kilter with consumer interest.Mobile payments accounted for only around one per cent of the number of point-of-sale transactions over the week of the survey, and around two per cent of in-person card payments, the RBA said.