Agree entirely that digital wallets are just getting started. Everyone kind of knows that the world needs a new way of working - one that doesn't mess it up for our kids. This need remains unmet and is a commercial opportunity that is smouldering away waiting for a spark to galavanise consumers and activate citizens in a revolution of contribution.

Keep your eye on alternative means to account for your worth in this world - one that comes from the ground up and which is motivated by people's unmet desires for a way to measure who gives and who takes.

The digital wallet you are talking about will follow the currency that rewards contribution to the common good rather than the one that rewards the despoliation of the common good.

In brief, watch out for community currencies that are earned into existence for contribution to the common good and which get supported by an ethical exchange ecosystem that gives all the big players in the financial services eco-system the chance they're all looking for to set themselves apart.

Community currencies won't replace money, but they will work along side them to produce more community, more liquidity and more stability. They will possess common valuation standards so that their issuance is regularised and universally possible.

Those that possess them will want to spend them in shops that are part of this community and that's when the digital wallet will come into its own.

It's time for a contribution revolution.