Excellent article. The use of the digital / mobile wallet is certainly taking off now. Since the introduction of a native wallet in iOS (Passbook) and then Samsung's fast following (Samsung Wallet) we see an exponential issuance of mobile wallet content. The difficulty for merchants who want to move from paper and plastic content to digital content is overcome by using PassKit.com. The most successful businesses profiting from the mobile wallet revolution are the ones that are using the platforms that have been built into the smartphone operating system rather than trying to build their own 'app' and competing with the big guys. And then there are a number of services (like PassKit) that allows brands and marketers to quickly issue mobile wallet content; and this is not just defined as 'payment cards' but includes coupons, membership cards, tickets, stored valued cards, loyalty cards (like stamp cards) - basically anything that you would otherwise store in your leather wallet. The shift is now happening and as a rough estimate we have around 1-2% of traditional wallet content now in mobile wallets. The upside is huge and we haven't quite hit the tipping point yet but it will happen. Getting in early and learning how to best engage customers via their connected device will yield many benefits in the coming years.