There are between 4.0 and 4.5 million digital wallets (NFC, QR code, online) worldwide, including those that facilitate global brand card payments such as Apple Pay and Samsung Pay. Of that total, between 3.0 and 3.5 million are prepaid-only wallets available from telcos that participate in closed-loop payment systems within a single country. Digital wallet users could reach 6.0 billion by the end of this decade. Some digital wallets from telcos have already expanded into platforms that provide cross-border spend opportunities for users outside their home country but most remain tied to loc...