When mobile payment systems were first introduced in Australia there was a huge kerfuffle about Apple entering the market with Apple having to fight to play in the Aussie mobile banking space. With the players now in the market the overall picture of how Australians are adapting to paying by phone is clear: not at all. Due to the existing range of options and mistrust of mobile phone security Australians are largely avoiding smartphone payment systems. This may more to do with the entrenched easy to use tap and pay system already in place than other factors. While cash withdrawals in general are declining most Australians look to be set to continue using cash and tap and pay for the foreseeable future.