A new report has found that only one in ten consumers is willing to adopt mobile payment services. However, 25-44 year-olds and consumers earning more than $100,000 per year are the most willing to use mobile P2P payments. The study by Javelin Strategy & Research also discovered that 39% of 45-55 year-olds indicated that anytime/anywhere access to their money was important, but only a fraction of the group (14%) said they are likely to use mobile P2P payments. The same is true for 55 to 64 year-olds, who care more about sending and receiving money quickly than any other age group (39%), but only 11% are likely to use mobile P2P payments. This groups cautious behavior may be explained by a lack of familiarity or trust in mobile devices and technology. Among 18-23 year old consumers, 23% indicated that avoiding cash and checks was their primary motivation to adopt the service.