As smartphones become ubiquitous, and merchants and retailers embrace digital technology, consumers everywhere are growing accustomed to the convenience of making payment transactions across devices such as wearables and IoT. The use of digital/mobile wallets as a payments instrument in e-commerce and PoS sales are increasing rapidly. By 2022, at least half of all e-commerce transactions could be paid by digital wallets, according to estimates.

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https://www.capgemini.com/2019/09/retailers-enhance-the-checkout-experience-customer-loyalty-through-mobile-wallets/

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