When it comes to mobile app and mobile wallet payment solutions two thirds of retailers are most concerned with security features, reveals a new survey.

The research insight, from electronics payment player ACI Worldwide, should help ebb consumer concerns in using the emerging technologies.

Payment security was cited by 72 percent of retailers polled, with integrated loyalty options, 71 percent, and seamless ordering, 55 percent, as top three features wanted in mobile apps.

With regard to mobile wallet technology, 75 percent of respondents highlighted payment security as the most important feature, followed by integrated loyalty/rewards (55 percent) and mobile ordering (46 percent).

"The proliferation of retail digital channels demonstrates the trend that 'clicks upstage bricks,' but even consumers shopping at traditional brick and mortar stores are increasingly using in-store browsing capabilities, which puts the power of information in sales associates' and consumers' hands," said Lynn Holland, VP, product line manager, ACI Worldwide, stated in a release on the survey.

"Regardless of the channel, our survey results demonstrate that payment security is a core area of concern, particularly around tokenization and point-to-point encryption."

Of those polled 70 percent cited online/domestic as the top sales channel in play, and 45 percent cited online shopping in-store (via a tablet or other mobile device) as the number two digital sales channel. This was followed by online/international and cross-border (44 percent) and mobile/in app (38 percent).

While four months have gone by since the October 1 EMV liability deadline, the ACI survey reveals only a small fraction of retailers are complying with the new rules, just 8.5 percent and nearly half, 48 percent are 'prepared' or 'somewhat prepared,' and 14 percent said they aren't prepared at all to switch to EMV payments.