If you’re in fintech, you already know: the mobile wallet revolution is no longer on the horizon—it’s here. According to PYMNTS Intelligence, mobile wallets now account for 21% of all in-store purchases globally, a figure that’s surged nearly 11% since 2022. Consumers are embracing tap-to-pay, biometric security, and digital convenience at record speed. That’s incredible progress—but let’s pause and ask …