12 years after Apple Pay launched, consumers’ habit of using bank cards in physical stores remains unchanged

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A PYMNTS Intelligence report shows that in-store mobile wallet usage is rising, but most consumers still prefer to pay with bank cards. Based on a survey of 2,458 U.S. consumers conducted from August 20 to September 9, 2026, the report found that 8.2% used a mobile wallet during their most recent in-store purchase, up from 4.3% in 2023. Among consumers who used both a mobile wallet and a bank card during the same week, about half used wallets more often, while 16% preferred bank cards.