Dear Karen,

In my Obi-wan view you are are a duality. You judge and jet want new - but at the same time you have a feeeling of what you want - but can really explain it. Let me give you my view.

The digital wallet thing thing is a fling - a stepstone waiting for a real definition! A true digital wallet embrace more than the physical - full stop! (except none digitalised content e.g cash).

This said one product in Scandinavia can do this - MEEwallet, which besides conduct best in class security - being crossplatform technology - true digital wallet - content enabler - and can co-exist in multiple wallet ecosystems.

Give it a shot or reach out.

Innovation will hopefully drive more and more products/solutions to the market - enabling features that will evolve or eradicate existing solutions. Adoptive digital business models will be winners in this market - not solutions!

Sincerely
Kim