In the mid-20th century, credit cards and bank charge cards revolutionized how consumers accessed money to make payments on bills and to merchants. Payments were no longer restricted by location or how much cash an individual had on hand. With full access to accounts practically in a person’s pocket, life became easier, as funds were also more secure.

Fast forward to 2018, and a new revolution in commerce has again reshaped the way we think about monetary transactions. With the evolution of e-commerce, mobile payments, and auto-bill pay, people around the world are storing their funds in a whole new way: digital wallets.