Who does digital wallet impact?

Web of all people impacted! We categorized them into three groups:

• Large Business
• Small business
• Consumer 

Here is a diagram shows the use of digital wallet:



For example, Master card has brought digital into Australia and Canada.
"MasterCard brings digital wallet to Canada" by Brian Jackson, 2013:
http://www.itworldcanada.com/article/mastercard-brings-digital-wallet-to-canada/47634

"MasterCard plans digital wallet for Australia" by Sandra Van Dijk, 2001:
http://www.itworldcanada.com/article/mastercard-plans-digital-wallets-for-australia/31267

"Visa's digital wallet V.me now available for 55 million US customers" by Loek Essers, 2012:
http://www.cio.com/article/2390355/mobile/visa-s-digital-wallet-v-me-now-available-for-55-million-us-customers.html

Here is a diagram shows the use of digital wallet by US customers: