The digital payments market is experiencing rapid disruption, with non-bank contactless or cardless mobile payment systems now being used by more Australians than bank-owned systems, according to a newly released report by Roy Morgan.Crucially, the market research found that while awareness of newer forms of digital payments is growing rapidly - generally sitting in the 40 to 50 per cent and up range - usage of those same payment systems is lagging behind awareness considerably. Of the group surveyed (about 50,000 Australians over the age of 14, between July 2017 and June 2018), 11.5 per cent had used a tap-and-go payment system in the last 12 months and only 6.7 per cent said they had used a "buy-now-pay-later digital solution" over the same period - for instance, Afterpay (6 per cent) or ZipPay (2 per cent).Roy Morgan also established that fintech market entrants such as Apple Pay, Android Pay and Google Wallet, are taking market share from incumbents, in a market where 94 per cent of Australians aged over 14 are aware of at least one digital payment method, and 72 per cent have used at least one digital payment system in the past 12 months.In the emerging "buy-now-pay-later" niche, 6 per cent of Australians have used the Afterpay service in the past year, with competitors Zip Pay and Zip Money (two related companies) used by 1.4 per cent and 0.6 per cent, respectively. The most-used bank-owned tap-and-go payments system, from CBA (used by 4.1 per cent of Australians in past 12 months), is still marginally ahead of the most-used non-bank tap-and-go solution, Apple Pay (used by 3.9 per cent of Australians)."It is already feasible for someone to go about their daily activities without the need for a physical wallet or card, aided by the growing proliferation of smart phones and wearables, and an increasing number of financial institutions enabling their customers to make payments with these devices," commented Michele Levine, chief executive officer of Roy Morgan.