Mobile payments remain cellar dwellers in the payments mix in Australia, accounting for only "around one per cent of the number of point-of-sale transactions" over a week surveyed by Ipsos for the Reserve Bank of Australia.This proportion doubled to "around two per cent of in-person card payments", the RBA said.There are crumbs of hope for enthusiasts for mobile wallets in the Australian market places where scheme debit, Eftpos and credit card payments remain the preferred ways to pay.Users of mobile payments were "spread across a range of age groups and tended to have above-average incomes," the RBA said, while "a little over ten per cent of respondents said that they had made or were interested in making mobile payments."The RBA said this share was "a bit higher for respondents aged under 30 (15 per cent). "The remaining respondents reported that they had not or did not currently intend to adopt mobile payments. The majority of these (amounting to around 55 per cent of all participants) indicated that it was because they were satisfied with current payment methods. "A further 30 per cent of respondents said it was because they did not like the idea of making mobile payments."The apparent lack of interest in mobile payments among many survey respondents "may partly reflect consumers' lack of familiarity with the technology," the RBA said in careful language.Mobile payments, after all, were "not widely available in the Australian marketplace at the time of the survey." The survey was conducted at a time when Westpac, NAB, CBA and Bendigo Bank were collaborating to seek the all clear for collective negotiations with Apple over Apple Pay. The banks lost this in an ACCC ruling in early 2017.The basis is there for mobile payments to gain traction in Australia. The RBA said "while just over 80 per cent of survey participants had a smartphone, less than half of these respondents reported that their phones were capable of making mobile payments. "The remainder reported that their smartphones could not make payments, which for some respondents may have been because their phone was not equipped with the NFC technology required to make a mobile payment. "Around one-fifth of respondents were unsure whether their phone was capable of making mobile payments."