Digital wallets (DWs) are increasingly being embedded into a diverse range of sectors including banking, e-commerce, healthcare and government services. This report presents inclusive, evidence-based frameworks to support DW development that bridges gaps between policy, user expectations and commercial imperatives. It identifies key enablers that support informed digital identity management and decision-making.

This report covers findings from Stage 3 of a co-funded Swinburne University/460degrees research project into the social and psychological enablers and barriers to digital wallet usage which ran from August 2019 to April 2020. Findings suggest a tension between convenience and concern that affects perceptions of trust in the digital technologies.