Mobile commerce in New Zealand is a "huge opportunity" and is likely to create a shift that would see decreasing foot traffic at bank branches.

Findings from global research company TNS's Mobile Life survey of 48,000 people in 58 countries show that while only 17 per cent of New Zealand's mobile phone users currently use "mobile commerce", 44 per cent would like to.

A third of Kiwi mobile phone owners now use a smartphone according to the survey, up from 24 per cent last year.

TNS New Zealand director David Thomas said New Zealanders surveyed liked the convenience of "mobile wallets" - essentially using a smartphone to pay for goods and services - and placed the greatest trust in banks to provide such a service.

However, foot-fall at banks would continue to decline as more services were offered online and via mobile devices, said Thomas.