Results from “Consumer Attitudes to Mobile Banking, Contactless Payments & mCommerce Survey 2018: UK/US,” a survey of more than 1,000 smartphone users in the U.S. and U.K., indicate online shopping is having a detrimental effect on physical retailers. Forty percent of survey respondents in both the U.S. and the U.K. report that they shop less in stores due to using online and mobile commerce.