Why does a mobile phone instead of a wallet never really impress users?

Even if you have found that the trend towards "mobile payments" is a cliché. Can come back to reality, in the end how many people in the shopping malls or restaurants checkout, out of the phone, rather than cash or bank card?

Indeed, this data is still very poor. In 2013, only 9% of US smartphone users used mobile phones instead of cash or bank cards to checkout, data from Harris Interactive, a market research firm. Another 14% of the users, although they have not used, but to see others use. The only thing that's pleasing is that 55% of users, though useless and never seen it, think it's a viable way to use a mobile phone as a wallet.

When it comes to the reluctance to use mobile phones to checkout, the first is still a security issue, with 62% of users not wanting to store sensitive information on their phones. The second reason is more worthy of the industry's reflection, 58% of users think there is no reason to abandon the use of cash or bank cards.

Providing a reason for users to be willing to pay with their mobile phone is a question that needs to be considered in the industry. "For a new payment product, you can always ask, how much better is it than the current solution," says Peter Terre, a well-known American investor who evaluates Apple's mobile pay? "If a form of payment approaches perfection, its space for improvement is often very limited.

But as smartphones become more and more a tool for people to live with, the problem may be mitigated. Because it is quicker and more convenient to take out a mobile phone than to take out a wallet when the phone is not out of hand. Do you think this is a good reason?

Why does a mobile phone instead of a wallet never really impress users?