The primary driver for Digital Wallet (DW) is Convenience; convenience for mom-and-pop stores to have a business account when they are new and do not have history of operations, convenience for small businesses who would like to support digital modes of payment acceptance but prefer to sidestep high interchange fees, convenience for consumers who want to avail digital payments but do not have a credit card and in some cases not even a bank account, convenience for commerce itself as the payments are more predictable with fewer surprises, convenient for governments that can use it to drive financial inclusion, real-time payments, CBDC and more.