The mobile phone in Australia is more ubiquitous and pervasive than ever, with almost 80 per cent of Australians owning at least one smartphone. But according to the latest mobile consumer survey from Deloitte, not too many Australians are itching to use their phone instead of their credit card at the supermarket.In its second annual survey of more than 2,000 Australians aged between 18 and 75, Deloitte noted an increase in device ownership across all mobile device categories, including smartphones. What stumped the Deloitte team, though, was the discovery that only 24 per cent of Australian survey respondents indicated they would use their smartphone like a debit or credit card to pay in a retail shop -  well short of the 40 per cent global average that equated well with Australian results from more than 12 months ago. In fact, this was a 16 point decline in willingness from last year, when the Australian numbers were almost identical to this year's global result.  The sudden change from "yes, please" to "no thanks" was explained in part by disappointment among users that the iPhone6, released with much hype last year, was not linked to a payment system.One of the main reasons cited for this decline is "the perceived lack of security" (43 per cent), which is a reflection of misconceptions versus reality, according to Deloitte's partners. Stuart Johnston, lead partner for technology, media and telcos for Deloitte, said consumers needed to be educated that the phone is a more secure way of paying, as it relies on tokenisation - and is more convenient than even contactless cards.  "There is a limit on the size of the purchase for tap and go with a credit card of $100 before you need to key in your PIN," Johnston said. Co-author Jeremy Drumm, Deloitte consulting partner, said to overcome the growing resistance to mobile payments, "retailers and app savvy developers will need to look beyond just the payment process and design a compelling value proposition that uses the full functionality and security of the smartphone." The simplicity of 'pay-waving' cards is tough to beat," Drumm said."Until this becomes a much better experience than taking the credit card out of a wallet and using it, we don't see there being a substantial uptake."