Just imagine this: You’re walking along the beach on a warm summer day and realize all of the fun in the sun has left you thirsty. As if to answer your thoughts, you spot a dessert shop advertising tropical fruit smoothies and decide that sounds pretty good about now. Your heart sinks once you realize your wallet is over a mile away, still locked in your car.

But then you realize that you have your phone with you, which means you can still access all of your cards through your digital wallet app! Now there’s nothing stopping you from treating yourself to that smoothie. Digital wallets offer a fast, easy way for you to make payments with your phone, but that’s not all they do...