Nearly half of U.S. consumers are interested in having a mobile wallet, according to a survey by Carlisle & Gallagher Consulting Group, which labeled those consumers as either Techno Shoppers or Payment Optimizers. Techno Shoppers are consumers who are attracted to the shopping and social features of mobile wallets and can effectively use their cards to make the best possible payment decisions. Within this group, five in 10 would prefer to use PayPal rather than their primary bank as their mobile wallet provider. Three in 10 would prefer to use Google’s mobile wallet and two in 10 would prefer to use Apple’s mobile wallet. Meanwhile, Payment Optimizers seek to make the best payment decisions based on their financial situation, loyalty benefits, and account management. “Within five years, half of today’s smartphone users will be using their phones and mobile wallets as their preferred method for payments,” predicts Carlisle & Gallagher’s Peter Olynick. “These customers will be using better tools to help them optimize transaction choices.”