When it comes to mobile payments these days, there’s no shortage of options. Between the various offerings from device makers to the various offerings from individual retailers to even those offered by banks.

A new study from Walker Sands suggests that there’s a leader in the market right now in the United States, and that’s Android Pay.

Nineteen percent of respondents say that they’d used Android Pay to actually purchase a product in a store, which was followed by individual retailer mobile apps at 12 percent.

Apple Pay, meanwhile, came in third at 11 percent, but Walker Sands reports suggest that that may not last much longer. Android mobile payment users had remained static from last year, but Apple Pay’s figures were up four percent over that same period.

Rounding out the top five, meanwhile, was Samsung Pay at a slim three percent, and MasterPass at a tiny two percent.

Mobile payments, however, proved low in general, as many responded that other methods of payments were considered more readily accessible for users.

Mobile payments proved top notch with some users for certain functions, including household bills and rent / mortgage payments.

There were also clear age separations in terms of mobile payments use, particularly in peer-to-peer (P2P) use cases.

A third of all respondents had used a P2P app, and 18 to 25 year olds were the biggest users at 44 percent. For those 26 through 35, meanwhile, 38 percent had joined in there.

Those aged 46 to 60, meanwhile, were the smallest user base at 17 percent.

The light turnout so far represents a clear opportunity to branch out and offer people a significant value, which in turn represents revenue for the issuing company.

However, this is contingent upon offering a clear value, whether through convenience, through active loyalty programs, through greater security, or through other means including a combination of these.

Without that value, users will stick to more familiar methods already available in large numbers.

It’s all about the value in the end, and there’s plenty of room in the market to deliver a great value for users.

Those who can do the best job of that will come out ahead, and with so many still out of the market altogether ready to bring in, that could mean a real windfall ahead.