While industry hype would suggest that payments will be largely coming from the phone within a few years, a majority of Money 2020 attendees, in a survey, said it won’t be happening until 2020 or later.

The four question survey also revealed that attendees believe the biggest drivers of a new payments environment are 1) data and analytics; 2) wallets for consumers; and 3) omnichannel commerce using multiple devices.

Who will be the big winners? Attendees said traditional financial service providers, marketing services and payment companies. The y said the biggest losers will be banks, Point of Sales equipment providers, acquirers and payment networks.