About 60 percent of U.S. adults believe that smartphone payments will eventually replace payment cards and cash transactions for most purchases, according to a new Harris poll. Moreover, 27 percent of Americans, and 44 percent of smartphone users, say they want to use their smartphone to process in-person payments. The survey also uncovered a generational divide, as 40 percent of Echo Boomers and 34 percent of Gen Xers were interested in adopting smartphone payments, compared to 18 percent of Baby Boomers and 7 percent of Matures. The respondent's sex also was a factor, as 32 percent of men are interested in the technology compared to 22 percent of women. In addition, 38 percent of those in households with children favor the use of smartphone payments compared to 22 percent of those in households without children. Beyond security concerns, another major issue is the fact that 52 percent of respondents said they do not see a reason to switch from cash or payment cards. The survey also found that 30 percent of Americans expressed interest in digital wallets that contain all of their loyalty cards, identification, and other documents.