Answer : A digital wallet is an application software that is used to complete a person's electronic transactions through an electronic device (smartphone). It involves any purchase via computer or smartphone. Increasingly , the digital wallet is not only involved in basic shopping but also proves the authenticity of the customer's identity card. For example ; The customer gives proof of his age when he buys alcohol. It is better to divide the term 'digital wallet' into three parts rather than a single technology ; Such as: a system (electronic infrastructure) and applications (a software that is run upwards) and devices (single part). An individual's single bank account can be linked to a digital wallet. There they have their driving licenses , health cards , loyalty cards and other credentials stored on the phone. Through near field communication (NFC), certificates can be sent to merchants (merchant terminals) via wireless. Some CERS studies have shown that all of these smartphones can be replaced by 'digital wallets' via physical wallets. This method has already become popular in Japan , where digital wallets are known as Osaifu-Keitai or 'mobile wallets'. In 2011, Google created a digital wallet called Google Wallet.