Checks, cash, and cards are on their way out, right? Not exactly.

A majority of U.S. consumers (56%) feel that mobile payments increase the chance of fraud and theft, according to a study by YouGov released today. As a result, those customers prefer to use debit or credit cards (49%) or even cash and checks (36.1%), the study suggested.

From the report:

[There are] many barriers to reaching that cashless state. First, 72% of Americans still use cash when making in-store purchases. Six in 10 say they use cash at least once per week. Habits like that take time to change.

Fear of the unknown and concerns over security pose more obstacles. The report, for example, shows that the majority of U.S. consumers (56%) feel using mobile payments makes them vulnerable to fraud and theft. Only 5% think mobile payments reduce the chance of fraud and theft, while 13% say it makes no difference.

Respondent’s to YouGov’s survey also cited distrust towards app providers (16%) and unfamiliarity with mobile offerings (17%) as other reasons for not using mobile payments.

The study surveyed more than 650 U.S. banking consumers. The full report is available here.