App-based dig­ital wal­lets have thus far met with lim­ited con­sumer adop­tion due to sev­eral issues: con­sumers must typ­i­cally down­load a ded­i­cated app (often times an app for each mer­chant), how and where to use the wallet is com­plex and con­fusing, the func­tion­ality offered – payments only – is not broad enough for what con­sumers really need in a wallet.