Around 18 per cent of retail banking customers in Australia use a mobile wallet linked their account, a study by US research firm JD Power has found.But digital banking may not even be common in Australia, if the firm's study is any guide. At ANZ, which is the first Australian bank to implement Apple Pay, the ratio of mobile wallet users is 17 per cent, according to Loi Truong, senior country manager for JD Power.For Commonwealth Bank, seven per cent of users said they use a mobile wallet, presumably the CommBank app "Tap & Pay".JD Power yesterday publicised some of the findings from its Australia Retail Banking Satisfaction Study, the second by the firm in a niche becoming served by more suppliers, with DBM, RFi and Roy Morgan Research all working the field.The study echoes themes in other work. Truong said it "shows that smaller and regional banks perform stronger across transparency on account fees, shorter queue times at the branch and higher resolution rates at the call centre and also have fewer customer-reported problems overall." The JD Power study measures six factors with satisfaction calculated on a 1000-point scale. "Study findings also show that satisfaction is higher when customers use digital self-service channels, an area of service where major banks are strongest," Truong said.He said overall satisfaction with bank mobile services was higher for the major banks at 827 versus 808 for non-majors, on its scale.Mobile wallets did not make a list of "common tasks".The firms' work adds new data on how common, or uncommon, digital banking is in Australia ?The firm found that 49 per cent of all users make use of mobile apps.Of this group checking bank account balances was done by 87 per cent, transferring funds (82 per cent) and paying bills (65 per cent).