Gartner Research

Digital Wallets: An Introduction

Published: 21 March 2000

ID: G0090860

Analyst(s): Ellen P. Walsh


There has been a lot of confusion in the marketplace about what an e-wallet is and what services it performs. Prior to the e-wallet standard ECML, users had to fill out forms with shipping and credit card information each time they visited a site. This was time consuming and led to high shopping abandonment rates. E-wallets allow the consumer to register and enter information once into a form and then either have the e-wallet track that information and autopopulate forms or drag and drop the e-wallet to the merchant site and have it autopopulate forms. Any merchant doing electronic transactions over the Web or financial institutions that support credit card payments should understand the basics of e-wallet functionality.

Table Of Contents
  • Technology Basics
    • Basic Wallet Functions
    • Additional Services
    • Wallet Types
  • Technology Analysis
    • Types of Wallet Distributors
    • Band-branded vs. Generic Wallets
    • Wallets as Portals
    • Business Use
    • Benefits and Risks
    • Standards
    • Price vs. Performance
    • Selection Guidelines
  • Technology Leaders
    • Brodia
    • EntryPoint
    • Globeset
    • IBM
    • Microsoft
    • Trintech Inc.
  • Technology Alternatives
  • Insight

©2021 Gartner, Inc. and/or its affiliates. All rights reserved. Gartner is a registered trademark of Gartner, Inc. and its affiliates. This publication may not be reproduced or distributed in any form without Gartner’s prior written permission. It consists of the opinions of Gartner’s research organization, which should not be construed as statements of fact. While the information contained in this publication has been obtained from sources believed to be reliable, Gartner disclaims all warranties as to the accuracy, completeness or adequacy of such information. Although Gartner research may address legal and financial issues, Gartner does not provide legal or investment advice and its research should not be construed or used as such. Your access and use of this publication are governed by Gartner’s Usage Policy. Gartner prides itself on its reputation for independence and objectivity. Its research is produced independently by its research organization without input or influence from any third party. For further information, see Guiding Principles on Independence and Objectivity.

Already have a Gartner Account?

Purchase this Document

To purchase this document, you will need to register or sign in above

Become a client

Learn how to access this content as a Gartner client.