---
title: Mobile Wallets | Mobile Payments | Mobile Banking
description: A mobile wallet extends the addressable market of the merchant beyond the domain of plastic money or payment gateways to virtually every mobile subscriber on the planet.
image: https://www.e-zest.com/hubfs/Banners/Social/04%20Digital%20Engineering%20web.png
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# Mobile Wallets
[](https://cta-redirect.hubspot.com/cta/redirect/744339/1c80e2a3-3331-4fa1-8a3e-b06bc506baa0)
**A wallet in your mobile**
Mobile Payments started out as the medium to pay for goodies like ringtones, caller tunes and wallpapers. This was followed by WAP billing, which facilitated streamlining of user experience and the separation of the payment method and the delivery channel. Even though these contrivances still enjoy substantial success, the concept of mobile payments is now being heralded by cloud based online banking technology. As a result, mobile payments have begun to evolve from fundamental devices to fully-fledged payment instruments. The question is; why would a business entity want its customers to use cloud based mobile banking? The answer lies in the fact that a mobile wallet extends the addressable market of the merchant beyond the domain of plastic money or payment gateways to virtually every mobile subscriber on the planet. This is a win-win situation for any business as the convenience of direct-to-mobile billing results in low friction which further results in improvement in sales and conversion rates.
**We found out a few things for you**
As the market evolves, existent players have sat up straight and taken notice. For e.g. PayPal has announced a pilot program with Home Depot to allow shoppers who have a PayPal account to make purchases in store simply by entering their cellphone number and a PIN. Future features will allow customers who scan an item in store with their phone to receive discounts to be used if they purchase the item. In time the program will also link gift cards into your PayPal account. PayPal is piloting the program with Home Depot but intends to offer the program at 20 major retailers by the end of 2012.
At e-Zest, we keep a track of all such industry trends and we believe that this is just the beginning of an innovative refurbishing that the finance industry is about to experience. Customers are rapidly adopting procedures that are executed solely on mobile platforms, and as opposed to the notorious and deterrent ‘security concerns’ of the past, the modern customer now feels it’s safe and convenient to conduct all his banking transactions on his smartphone. This is precisely why Financial Institutions are investing heavily and more importantly on a high-priority basis, in the development of mobile banking facilities.
## Other related services
- [Mobile Development Offerings](https://www.e-zest.com/mobile-development-offerings)
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## Related Insights
### [ Work Building scalable enterprise digital commerce for a global pharma giant Digital transformation around the e-commerce services across multiple geographies and business divisions for a globally leading pharma company.](https://www-e-zest-com.sandbox.hs-sites.com/building-scalable-enterprise-digital-commerce-for-a-global-pharma-giant)
### [ Work IoT solution for modular smart-cases A smart-case typically houses a battery pack, the main controller board and the electromechanical components that interface with the buttons/ports of the phone/tablet that fits into it. The need was to develop uniform solution across various platforms Android to Windows-based tablets and phones.](https://www-e-zest-com.sandbox.hs-sites.com/iot-solution-for-modular-smart-cases)
### [ Work Enabling unified experience with headless Magento and AEM for a Fortune 500 healthcare giant The client was looking for modern B2C e-commerce that would provide flexibility to the marketing team and unify end-user experience.](https://www-e-zest-com.sandbox.hs-sites.com/enabling-unified-experience-with-headless-magento-and-aem-for-a-fortune-500-healthcare-giant)
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