Gartner Research

Digital Wallet's Next Generation Demands Hybrid Model

Published: 28 February 2014

ID: G00251017

Analyst(s): Christophe Uzureau , David Furlonger , Alistair Newton


Gartner's Digital Wallet Segmentation Model highlights the critical differences that derive from the use of local or networked credentials. Real innovation in the digital wallet space is now moving to a hybrid model. Few providers, however, yet have the skills for successful hybrid deployments.

Table Of Contents


  • Gartner's Digital Wallet Segmentation Model
    • Definition
    • Secure Credentials Location
  • Key Dynamics — Executive Summary
    • Key Dynamic 1:
    • Key Dynamic 2:
  • Current Mobile Wallet Models Are Unsustainable
    • Openness Further Challenges the Use of Local Credentials
    • Lessons From the Google Experience So Far
    • The Payment Industry Is Waking Up to the Hybrid Model
    • Hybrid Model Not a Panacea
  • Networked Digital Wallets Expanding Scope
    • PayPal — Increasing Offline Coverage
    • Apple — Interfacing the Next Generation of Digital Wallet Services
    • Amazon — Monetizing Supply Chain Integration
  • Recommendations

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