We aren’t really using our smartphones to their full potential. Not even close. That’s what a new study from Harris Interactive is suggesting..

The authors of the study believe that the advancement of technology is outpacing the willingness of humans to adapt new behaviors. They say that most people either haven’t tried, or are uncomfortable with, many of the new features available on smartphones.

The study found that only 5% of those polled in their survey have used their smartphone for admission to a movie theater or as an airline ticket. Fewer still, 3%, have used it to transfer a payment to a retailer for clothes or electronics, or used it for admission to a concert or other live performance.

Harris found that many people were simply uncomfortable using a smartphone for such tasks. Old habits die hard. They said that 47% of people are uncomfortable with the idea of using an app to make a payment at a retailer. 63% are uncomfortable with using credit card information stored on the smartphone to pay for items.

They did find that younger users were more comfortable using a smartphone for these tasks than older generations (we’ll skip the old dogs/new tricks comment this begs for).

They also found that men, overall, tended to be more comfortable using a smartphone for these tasks than women.

Harris also asked people when, if ever, a time might come that people use smartphones to pay for things more than cash payments. Only 3% think it will happen within a year. 13% said 1 to 3 years. 18% said between 3 to 5 years. 21% said between 5 to 10 years, 15% said it would take more than 10 years.

30% said it will never happen.