Mobile and Digital Wallets: U.S. Landscape and Strategic Considerations for Merchants and Financial Institutions

Innovations in mobile and digital wallets over recent years have resulted in a proliferation of wallet models and solutions, all intended to improve consumer convenience, leverage data, lessen friction or lower the cost of payments. Merchants and issuers looking to understand the key factors and considerations for developing a mobile or digital wallet strategy can find guidance in a new U.S. Payments Forum resource, Mobile and Digital Wallets: U.S. Landscape and Strategic Considerations for Merchants and Financial Institutions.

Created by the U.S. Payments Forum Mobile and Contactless Payments Working Committee, the whitepaper provides:

an overview of different wallet models, technologies and security approaches;
lessons learned from wallet launches and experiments;
key considerations for merchants and issuers in developing a mobile wallet strategy, including factors such as fit with an overall business strategy, desired customer experience, costs compared with expected benefits, and partnerships and technology; and
a discussion of several standards bodies and their work relating to mobile payment solutions.

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