Digital wallets can store payment card credentials, driver’s licenses, passports, digital assets, transportation tickets, medical records, keys, loyalty program membership and more. Different standards govern the way these applications are created and added to a wallet. This makes interoperability impossible between the providers of competing wallets and limits the number of companies wanting to enter the market. The most successful wallets, particularly the one available from Apple, include a handful of applications. Most wallets provide only one or two applications. In all cases, access to...