Digital Wallet Solutions requires the consumer to log in to the app, using perhaps a secure PIN or password. For the cardholder and the merchant, this is like how EMV PIN codes work. The wallet app can then be used for proximity "contactless" interaction with nearby contactless terminals, transport gates or other NFC devices. These solutions have been implemented by 3rd party payment partners, Telcos and Banks as extensions of their existing solutions to their customers, partners and consumers and which We are equipped to implement the same.