It definitely is not here yet – just 4% of Americans say theyhave paid with a tap of a phone – but in the latest HarrisInteractive poll a majority of Americans predict that smartphone paymentswill eventually replace cards and cash.

About two in three – 66% – said smartphones would replace creditcards. Sixty-one percent said ditto for cash.

The question is when, and there, Americans express morecaution. According to the Harris poll, only 32% – roughlyone-third – believe smartphone payments will replace credit cardsinside the next five years. The number dips to about one infour – 26% – who say smartphones will displace cash in fiveyears.

Curiously, only tiny numbers self-characterize themselves as“very interested” in displacing credit cards and cash. Perthe Harris numbers, 8% of all of us and 16% of smartphone ownerssay they are eager for the revolution.

However, generational and gender differences are highlighted inthese results where a younger, male demographic especially wants topay by phone.

Thirty-two percent of males express eagerness, compared to 22%of females. Thirty-four percent of Gen Xers and 40% of EchoBoomers want to do it, compared to 18% of Boomers and 7% ofMatures.

The report also noted: “When asked how the ability to use theirsmartphones as a 'digitalwallet' with electronic versions of all the identifications,loyalty program cards and other documentation normally carried in awallet – thereby allowing them to leave their physical wallets athome – three in 10 Americans (30%) and over four in ten smartphoneowners (43%) indicate it would make them more interested in doingso, but far fewer (8% and 12%, respectively) specify that it wouldmake them much more interested.”