Australians may have embraced mobile banking and "tap and go" payments more enthusiastically than most, but the country has been slow to adopt digital money transfers between people, or "P2P" payments. 
That is the finding of new research by Visa.
It says the country remains reliant on old methods such as cash, cheque or electronic bank transfers for payments between people and small businesses.
However, the global payments giant predicts this will soon change, as more digital firms, including social media businesses such as Facebook and Snapchat, try to move in on banks' turf by allowing people to transfer money digitally.
P2P payments refer to small payments between individuals, such as splitting a bill, reimbursing a friend or paying a tradesman.
The survey found that in Australia, only 13 per cent of customers had made such a transfer through their bank's digital application, and only 1 per cent had used an app for making payments provided by other non-bank businesses, such as social media companies.