"Consumers aren't ready to abandon their leather wallets for mobile ones," said Charles Tran, founder of CreditDonkey.com, which conducted the survey of 1,200 U.S. consumers, nearly 70% of whom were smartphone owners. The survey was completed early this month and the results released this week.

Of the 832 of respondents that owned smartphones, 68% answered no when asked: "Would you like to replace the cash you carry with a mobile wallet?"

Tran interpreted the results as confirmation of the conclusions of many analysts that mobile wallets and the near-field communication (NFC) technology are still in their very early days, especially in the U.S.

In other surveys over the past year, American consumers have expressed concern about mobile wallets, at least partly due to security worries.

Apple's iPhone 5 relies on barcode optical scanning of digital tickets, boarding passes and cash cards rather than NFC technology.