Digital wallets might be exciting the banks and the financial service providers, but it will be a hard slog to convince local consumers.KPMG International will today release its fifth annual Consumers and Convergence survey which shows that 60 per cent of Australians aren't willing to use their mobile phones as digital wallets. This compares with 34 per cent globally.Furthermore, only 16 per cent of Australians said they were willing to use mobile phone-based wallets, while 24 per cent were neutral on the idea.Despite this apparent lack of enthusiasm, a range of companies continue to work on digital wallets.Commonwealth Bank's Kaching app for mobile phone-based payments, coupled with a near-field communications chip-enabled cover, is expected to debut shortly and an NFC-equipped iPhone is slated for release in 2012, while Visa is expected to launch its V.me digital wallet in early 2012. Visa has already said that it does not believe the market will be able to support more than six digital wallets internationally. The battle lines are now being drawn over which those might be. US-based telecommunications carrier Verizon indicated earlier this month that it was still negotiating with Google over support for the Google Wallet app, effectively stymieing its use in the US. Meanwhile, Verizon along with AT&T and T-Mobile have together tipped US$100 million into the Isis project. This is intended to deliver the trio's own digital wallet.In spite of all this activity, Malcolm Alder, KPMG's national managing partner, Digital Economy, said that, at present, ordinary consumers were probably a little under-educated and "think that if they leave their phone in a taxi people can have access to their cash."This lack of education also extends to Australians' awareness about mobile banking services. Although 48 per cent of international respondents said they had not used a mobile phone for banking in the last six months, the figure in Australia was a much higher 64 per cent. Meanwhile, 43 per cent of Australian respondents said they did not even know if their bank offered mobile phone banking services. Clearly, there's a way to go to convince ordinary Australians that the phone is the new branch.