The pressure is on Australian banks to keep up with customer's growing use of smartphone apps to pay for in-store and online purchases.

A Deloitte survey has found the use of mobile payment solutions has grown 14 per cent over the past year, with over a quarter of respondents now using them.

A Deloitte survey has found the use of mobile payment solutions has grown 14 per cent over the past year. Credit:Glenn Hunt

Mobile payment solutions include apps such as Apple Pay, Samsung Pay and Android Pay, which allow users to process payments for online or in-store purchases using the app, without having to punch in their credit card details every time.

Most of these apps act as "mobile wallets", allowing users to store their card details and authorise payments using either a PIN or biosecurity measure like fingerprint recognition.