About one third (34 per cent) of users in a UK survey by Lloyds Bank expect to be using their mobile device for payments on a day-to-day basis within the next five years.

Perhaps this finding should be unsurprising, given the launch in July this year of Apple Pay in the UK, and publicity for other services such as Samsung Pay (although the latter has yet to launch in the UK).

However, not everyone is so convinced.  Almost half (47 per cent) of those in the survey, which was conducted by Ipsos Mori, don’t think mobile will ever be a main method of payment.

Mind you, the people holding that view tend to be older. Among those aged over 45, 59 per cent think that way, against 37 per cent of 18 to 44 year olds, indicating a generational shift is underway.

When asked why they don’t currently use mobile payments, two in five (44 per cent) said they do not think it is secure, a customary concern. Another 18 per cent don’t have the right phone (presumably a reference to NFC), 17 per cent don’t know anything about mobile payments and 16 per cent said they don’t know how to use the technology.

A recent upsurge in interest in biometrics for authenticating identity on smartphones seems to have sparked some interest among the wider public. Certainly, the survey seems to support such a theory, with one in five (22 per cent) thinking they will regularly use their fingerprints to pay for goods and services, although they do not foresee this happening until 2025.