Some 13% of iPhone 6 and 6 Plus owners in the US have used Apple Pay and 11% are planning to do so, a survey conducted by Kantar Worldpanel has revealed. Only 2% choose not to use the mobile payments service due to lack of trust, 4% do not use it because they don’t understand how it works, while 11% say their credit cards “work just fine.”

The findings contrast with research conducted by Auriemma Consulting Group last month, which found that as many as half of iPhone 6 and 6+ owners have used Apple Pay.

The research, based on the responses of 20,000 consumers who own a mobile phone in the US, also found that men use Apple Pay more than women, 59% vs 41%, despite adoption numbers of the new iPhone models being slightly stronger among women, 52% vs 48%.

The highest number of Apple Pay users falls in the 25-34 year old category (35%), followed by 16-24 year olds (23%). The over 50s have the highest share of people that don’t plan to use the service, but also have the highest share of intenders at 33%.

With regard to the two iPhone models, there are no marked differences in how users feel about Apple Pay but a higher proportion of iPhone 6 Plus owners are using it (15%) compared to 12% of iPhone 6 users. A higher portion of iPhone 6 users intend to use the service (12%), however, than those intending to use it on a 6 Plus device (7%).

“With Google’s recent launch of Android Pay and Apple rumoured to be announcing some new incentive practices for Apple Pay at their developer conference next week, it’s clear we can expect more activity in this space,” says Kantar’s chief of research Carolina Milanesi.

“In March 2015, as a measure of comparison, only 7% of Android users we surveyed in the US said they used NFC/mobile payment. The lack of enthusiasm around Google Wallet could be linked, in our opinion, to a number of factors, including the minimal marketing effort by Google, a slow ramp-up in support by banks and retailers and a lack of perceived need by consumers.

“Improved usability will certainly help, as will the branding change to Android Pay. By choosing to use the Android name, thereby linking the service to the platform versus the company, Google may be able to ease some concerns about privacy — something that Apple did very well during the Apple Pay launch.”