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1、HOWTHEWORLD DOESDIGITAL2025Pocket Revolution:How Mobile Wallets Are Changing Payments WorldwideTABLE OF CONTENTSIntroduction .04Whats at Stake .06Key Findings .14The Full Story.18Persona analysis.43Actionable Insights.58About .60This report was produced by PYMNTS Intelligence.PYMNTS intelligence ret

2、ains full editorial control over the following findings,methodology and data analysis.HOWTHEWORLD DOESDIGITAL2025Pocket Revolution:How Mobile Wallets Are Changing Payments Worldwide04|How the World Does Digital 2025 PYMNTS All Rights ReservedINTRODUCTIONHow the World Does Digital is PYMNTS Intel-lig

3、ences ongoing analysis of global digital engagement.Building on our Q4 2024 study across 11 countries,this edition examines how mobile wallets and mobile-first payments are reshaping the way consumers transact,both online and in-store.Mobile wallets now power more than one-third of online and 21%of

4、in-store transactions across these countries,reflecting a shift in form factormeaning the device or method used to make a paymentfrom plastic cards to mobile interfaces,without a change in the underlying funding sources.While Gen Z leads in adoption,mobile-first payments are gaining traction across

5、all generations.Adoption patterns remain highly local.In markets like Japan and Singapore,real-time rails and QR code inte-gration are accelerating wallet use.In others,such as France and the U.S.,entrenched card habits are proving harder to break.Winning in this mobile-first landscape will require

6、deliv-ering real consumer value,not just enabling digital access,and tailoring experiences to local behaviors and expectations.2025 PYMNTS All Rights Reserved06|How the World Does Digital 2025 PYMNTS All Rights ReservedWhats at Stake|07How the World Does Digital,based on a survey of 216,679 consumer