Consumers are proving slow to respond to innovation in the payments market, according to new research.A report prepared for HP Enterprise Services by RFi shows that only a third of consumers own a contactless card and those who do rarely use the contactless technology.A survey of 2000 consumers found that 48 per cent of those who have a contactless card never use it and 16 per cent use it less than once a month. Only three per cent use it daily.The main barriers to uptake of payment innovations include uncertainty about the technology's longevity, concern about security and limited merchant acceptance.Despite the low take-up, cards are the preferred way of making contactless payments. Cards have been around the longest and have been heavily promoted.The report said: "Only contactless cards and smartphones with built-in capabilities are appealing. But no technology is particularly appealing to consumers."Consumers registered almost no interest in such technologies as smartphone cases with memory cards, watches with SIM cards and key fobs with payment chips.RFi's Australian research director, Alex Boorman, said consumers had yet to see a significant benefit in contactless payment technology.Boorman said: "People use cash because of its convenience and they also see it as a budgeting tool. They can have their spending money in cash and leave all their bill money in their account. "They also like credit cards because they allow them to budget."Usage of contactless will increase when people find a utility. At the moment consumers don't see a significant benefit."Vice president of the financial service industry group at HP Enterprise Services, Dee McGrath, said Australia had a robust retail payments' infrastructure and there was no compelling reason for consumers to change what they were doing.McGrath said take up of contactless payment technology would improve as systems became more widespread.