Today's retailers are more than embracing mobile apps, as more than two thirds have one in play. But the payoff isn't hitting big just yet.

A new PointSource The State of Mobile Experience Report highlights current website and mobile app usage for retailers.

Findings show 84 percent of retailers currently operate a mobile app, yet only 37 percent rank their mobile experience as 9 or above on a 10-point scale.

Additionally, geolocation technology in-store is only being used by 22 percent of retailers. Yet, 61 percent of retailers already using the technology have reported growth in user-engagement.