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      "text": "The use of digital wallet-based transactions grew globally by 7% in 2020, according to a report by FIS, a financial-services technology group, which predicts that digital wallets will account for more than half of all e-commerce payments worldwide by 2024, as consumers shift from card-based to account- and QR code-based transactions. In response, banks and card companies have been partnering with or investing in digital wallet businesses to create payments platforms with scale, such as Standard Chartered’s venture with Toss, the largest payments company in South Korea, operated by Viva Republica; and Visa’s stake in Interswitch, a Nigeria-based payments business that operates the mobile payments platform Quickteller.",
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      "text": "Digital wallets allow consumers to load and store payment methods and access funding sources, such as cards or accounts, on their mobile devices. These wallets will be increasingly important as a payment ‘front end,’ as exemplified by Apple Pay and the relaunched Google Pay, and the rise of super-apps WeChat Pay and Alipay in China (see Figure 5).",
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