But the launch of Pingit could be the moment everything changes.

BBC: Mobile money - has its moment come?

Mobiles in the UK are already being used for a variety of online banking tasks, with services such as Barclay's PingIt simplifying sending money to and from accounts.

BBC: A man uses his smartphone

Having tried and failed this morning to register to receive payments under Pingit, I'm not entirely sure what will be the biggest hurdles to its adoption - worries about how secure it is, or frustration at the number of hoops you have to jump through to get going.

BBC: Mobile money - has its moment come?