Mobile payment is super-hot—except with consumers. While about half of mobile users are comfortable using their phones for banking, only 13% have used their devices to pay at a restaurant or store, the Federal Reserve found. Just a third feel mobile payments are safe.

Over the next few years, though, you’re likely to see a shift: While in 2014 consumers made $4 billion of in-store purchases via mobile devices, Forrester Research expects that by 2019 that figure will swell to $34 billion.

TIME magazine explores mobile payment technology, summing it up with: easier to use, safer than plastic, but not widely accepted.

Read more, via TIME.