Fiserv, Inc., a leading global provider of financial services technology solutions, has released the results of Expectations & Experiences, its quarterly consumer trends survey.

The study pointed out notable trends in the way consumers pay for things, powered by mobile tech, and highlighted consumer expectations for secure, real-time transactions.

The survey covered over 3,000 U.S. banking consumers and was conducted by Harris Poll on behalf of Fiserv.

The rise of cutting-edge mobile tech is jumpstarting the evolution of the payments landscape.

While mobile banking has blossomed, it has shifted focus from being a channel used to access information, to a transactional channel.

Among the 40 percent of consumers who use mobile banking within the 30 days before taking the survey—including 77 percent of early millennials—51 percent reported that they use the service more now as opposed to the previous year.

“Gone are the days when paying the bills meant sitting at the kitchen table with a calculator once a month,” said Mark Ernst, chief operating officer, Fiserv. “Consumers now pay on demand, wherever and whenever it suits them. As people make more payments from mobile banking, and become more comfortable doing so, this could be a bellwether for increases in other types of mobile payment activity, such as payments at the point of sale.”