'Mobile banking? Can't be bothered'

Approximately two in three UK adults are still not using mobile banking - with both security and inertia playing a part in their decision to shun the technology.

According to new research from analyst house Gartner, 30 per cent of UK adults said they were using mobile banking services at the end of last year - leaving 70 per cent who are avoiding the services.

In the US, the figure is higher with 47 per cent of adults choosing to bank on their phone.

Among the majority of adults shunning mobile banking, most say they simply prefer other ways to bank, such as visiting their branch - 58 per cent of UK non-users and 61 per cent of US non-users said they don't use mobile banking because they favour other banking channels.

However, safety also remains a major hurdle to mobile banking uptake, with 38 per cent of UK non-users and 41 per cent of US non-users saying they avoid mobile banking due to security fears.

For some users, though, Gartner believes "inertia" is the main reason behind lack of take-up, as 31 per cent of non-users in the UK and 25 per cent in the US cite no reason for their choice not to use mobile banking.