Wallets Vectors & Graphics

Mobile Wallet NFC Contactless Payment Icon Vector_10. Modern mobile wallet NFC contactless payment icon featuring smartphone combined with wireless payment. Modern mobile wallet NFC contactless payment icon featuring smartphone combined with wireless payment signal and card symbol isolated on white background. This vector represents mobile banking, contactless transactions, digital wallets, NFC payment technology, cashless economy, and smartphone payment systems. Ideal for fintech apps, banking platforms, payment gateways, retail checkout systems, and digital economy presentations. Clean minimalist design, fully editable EPS 10 vector format, scalable without quality loss for professional print and digital commercial use.

Digital Payment System with a Cloud Interface and Dollar Symbol. E-commerce, digital wallets, online transactions, cloud technology, payment gateways, fintech. E-commerce, digital wallets, online transactions, cloud technology, payment gateways, fintech. Blue dollar sign next to a cloud-based digital interface. E-commerce and digital wallets concept

Cloud Storage and Digital Content Management with Video and Coin Elements. Data storage, cloud computing, media sharing, digital wallets, online transactions. Data storage, cloud computing, media sharing, digital wallets, online transactions, content security. Cloud shape, video icon and coin element. Data storage and cloud computing concept

Digital Payment Concept with NFC Technology and Sustainability Idea. Digital payments, eco-friendly finance, fintech, cashless transactions, electronic wallets. Digital payments, eco-friendly finance, fintech, cashless transactions, electronic wallets, contactless technology. A credit card with NFC feature and person holding a leaf. Digital payments

Digital Wallet and Cryptocurrency Concept with Cloud Data and Education. Cryptocurrency symbolism. Cryptocurrency transactions tied to wallet technology, digital. Cryptocurrency symbolism. Cryptocurrency transactions tied to wallet technology, digital assets, and advancement in education. Cryptocurrency transforms payments, cloud storage, and education. Ideal

Digital Payment and Cloud Technology Concept with Coin Icon and Cloud Symbol. Financial technology, cloud computing, online payments, digital currency management. Financial technology, cloud computing, online payments, digital currency management, SaaS platforms, data processing. ion of a coin and a cloud. Financial technology and cloud computing concept

Digital Payments and Cashless Transactions Solid Icon Set. This solid icon set illustrates digital payments, cashless transactions, mobile wallets, contactless. This solid icon set illustrates digital payments, cashless transactions, mobile wallets, contactless cards, QR payments, bank transfers, payment terminals, transaction security, and digital checkout for fintech platforms, retail applications, banking interfaces, and online payment systems.

Contactless Payment Concept with POS Terminal and Retail Store Elements. Contactless payment concept. POS terminal, receipt, and retail shop showcase modern. Contactless payment concept. POS terminal, receipt, and retail shop showcase modern payment solutions. Contactless technology enhances shopping convenience and security. For e-commerce, retail

Hand Drawn Finance And Business Icons In Orange And Black. This image features a set of hand-drawn icons related to finance and business, using black outlines. This image features a set of hand-drawn icons related to finance and business, using black outlines with orange highlights. The collection includes symbols for envelopes, money bags, wallets, calculators, computers showing graphs, documents, briefcases, bank buildings, calendars, and figures representing people. These icons are suitable for illustrating financial concepts, business processes, and

Fintech App Mobile Wallet Growth Logo. Offers a dynamic identity for digital banking services, and this guarantees transaction security. As a dedicated , the. Fintech App Mobile Wallet Growth logo offers a dynamic identity for digital banking services, and this Fintech App Mobile Wallet Growth logo guarantees transaction security. As a dedicated Fintech App Mobile Wallet Growth logo, the emblem effectively conveys monetary management to clients seeking mobile financial tools. Every Fintech App Mobile Wallet Growth logo features a clean aesthetic suitable for smartphone payment apps, electronic wallets, or financial corporations needing a professional visual mark.

Digital token exchange for ideas and innovation in modern transactions. Token exchange concept. Token exchange digital finance and innovation. Token exchange is. Token exchange concept. Token exchange digital finance and innovation. Token exchange is reshaping trading, digital currencies, and creative economy. Relevant for fintech, blockchain, innovation

Comprehensive Finance and Banking Line Vector Icon Set. A large grid of clean black outline icons on a white background representing finance, money, banking, and. A large grid of clean black outline icons on a white background representing finance, money, banking, and wealth management, including coins, cash, money bags, wallets, credit cards, mobile banking, piggy banks, growth charts, bank buildings, calculators, and financial analysis tools.

Digital Cryptocurrency Wallet, Coins, and Technology Education Concept. Cryptocurrency, technology education, digital wallets, blockchain, financial management. Cryptocurrency, technology education, digital wallets, blockchain, financial management, electronic transactions. A digital wallet with cryptocurrency coins, book and icon. Cryptocurrency

Cryptocurrency, Bitcoin, Blockchain and Web3 Filled Icon Set. A comprehensive collection of filled icons representing cryptocurrency, blockchain technology. A comprehensive collection of filled icons representing cryptocurrency, blockchain technology, digital wallets, crypto trading, and decentralized financial systems. Ideal for fintech applications, Web3 platforms, digital finance websites, investment interfaces, and modern technology projects.

Collection of wallet icons with money and credit cards. Black and white icons of wallets with cash and cards

Modern E-Commerce Icon Pack in Outline and Solid Style. A modern e-commerce icon pack featuring outline and solid vector style elements for online shopping and. A modern e-commerce icon pack featuring outline and solid vector style elements for online shopping and digital marketplace projects. This collection includes shopping carts, baskets, payment methods, discount tags, delivery trucks, wallets, user profiles, barcode scanners, customer support, packaging, and retail-related symbols in clean blue minimalist design. Perfect for e-commerce websites, mobile apps, UI UX interfaces, online stores, fintech platforms, infographics, presentations, branding, and digital business projects. Fully editable vector illustration suitable for web and print design.

Watermelon slice wallet and various fashion accessories collection. Set of different wallets, purses, and clutches featuring a playful fruit themed design and a. Set of different wallets, purses, and clutches featuring a playful fruit themed design and a variety of styles, suitable for fashion, shopping, and everyday use concepts

Digital Payment Security Concept Transactions and Protection Symbols. Payment security. Digital transactions facilitated with enhanced card security. Payment. Payment security. Digital transactions facilitated with enhanced card security. Payment security ensures data protection, secure payment processes, and financial safety. For e-commerce, fintech

Digital Security and Financial Authentication Symbols Shield and Coin Icons. Digital security concept. Digital security symbols include a shield with a lock and. Digital security concept. Digital security symbols include a shield with a lock and a magnifying glass for verification. Digital security for fintech, online transactions, identity protection, apps

Mobile Cloud Banking and Smart Fintech Processor Icon Set. A professional vector icon set featuring a mobile smartphone integrated with a central processing. A professional vector icon set featuring a mobile smartphone integrated with a central processing microchip connected to a cloud containing dollar currency symbols. This design represents mobile cloud banking, automated fintech transactions, AI financial processing, smart mobile wallets, and digital cloud monetary systems. Includes line art, solid glyph, and modern vibrant gradient color variations. Perfect for mobile banking apps, cryptocurrency wallets, and fintech company branding. Fully editable vector illustration.

Cryptocurrency and Blockchain Technology Concept with People and Coin Mining. Cryptocurrency concept. Cryptocurrency mining process with blockchain technology. Cryptocurrency concept. Cryptocurrency mining process with blockchain technology visuals. Cryptocurrency use in digital wallets, secure transactions, and fintech innovation. Ideal for finance

E-commerce and Cryptocurrency Concept with Shopping Cart and Bitcoin Symbol. E-commerce, cryptocurrency, online shopping, digital coding, fintech, blockchain. E-commerce, cryptocurrency, online shopping, digital coding, fintech, blockchain transactions. Minimalist shopping cart, Bitcoin logo and coding icon. E-commerce and cryptocurrency concept

Digital wallet collection illustrating modern financial technology. Secure digital wallets and payment solutions representing cryptocurrency, online transactions. Secure digital wallets and payment solutions representing cryptocurrency, online transactions, banking applications, electronic commerce, and financial technology innovation in a dynamic collection

Smartphone displaying wireless contactless payment signal. Smartphone displaying a wireless signal for contactless payment technology, representing modern mobile. Smartphone displaying a wireless signal for contactless payment technology, representing modern mobile transactions, digital wallets, and convenient electronic financial services

Mobile Banking and Digital Payments Concept. This vibrant illustration depicts the ease and convenience of modern financial transactions. Two cartoon characters. This vibrant illustration depicts the ease and convenience of modern financial transactions. Two cartoon characters are shown interacting with a large smartphone screen, symbolizing mobile banking. Elements like credit cards, digital wallets, coins with dollar signs, and a bank icon with an arrow indicate the flow of money and the process of digital payments. The overall scene conveys concepts of financial technology, online transactions, and secure money transfer.

Digital Banking and Mobile Payment Concept Illustration. A woman interacts with a large smartphone displaying graphs and interface elements related to digital. A woman interacts with a large smartphone displaying graphs and interface elements related to digital banking. Surrounding the phone are icons and diagrams representing banking APIs, a cloud connection, payment gateways, and digital wallets. The highlights the integration of various financial services through mobile technology, using muted colors and geometric designs to convey connectivity and functionality in modern financial systems.

Digital Payment and Cloud Technology Concept with Card, Coins, and Cloud Graphics. Digital payments, cloud computing, online transactions, financial tech. Digital payments, cloud computing, online transactions, financial tech, virtual storage, e-commerce. Credit card, coins and cloud icon. Digital payments and cloud computing concept

Credit Card Pocket. A is a compartment in wallets or bags designed to hold cards securely. Credit Card Pocket : A credit card pocket is a compartment in wallets or bags designed to hold cards securely.

Set of cryptocurrency and blockchain technology icons in black vector. A high-quality set of flat black icons depicting essential cryptocurrency and blockchain. A high-quality set of flat black icons depicting essential cryptocurrency and blockchain concepts. Featuring Bitcoin and Ethereum logos alongside chain links digital wallets ledgers and mining tools this vector graphic is perfect for modern financial interface design

Digital Currency Concept with Audio Payment and Transaction Arrow Icon. Digital transactions, financial technology, online payments, sound-based payments. Digital transactions, financial technology, online payments, sound-based payments, cryptocurrency exchange, secure transactions. Coin with dollar sign, arrow and audio waveform. Digital transactions

Fintech App Growth Financial Wallet Logo. Provides a modern identity for digital banking applications, and this ensures financial trust. As a dedicated , the. Fintech App Growth Financial Wallet logo provides a modern identity for digital banking applications, and this Fintech App Growth Financial Wallet logo ensures financial trust. As a dedicated Fintech App Growth Financial Wallet logo, the emblem effectively conveys wealth management to clients seeking investment solutions. Every Fintech App Growth Financial Wallet logo features a sleek design suitable for mobile payment platforms, digital wallets, or financial tech startups needing a professional and strong visual mark.

Digital Wallet with Cryptocurrency Symbols and Global Network Concept. Cryptocurrency, financial technology, global exchange, e-wallets, blockchain, digital. Cryptocurrency, financial technology, global exchange, e-wallets, blockchain, digital currency. Image shows a wallet with Bitcoin and Dollar coins, cloud and a globe. Cryptocurrency and finance

Cryptocurrency Education Concept Bitcoin Transaction and Graduation Cap. Crypto education, online learning, financial literacy, blockchain technology, digital. Crypto education, online learning, financial literacy, blockchain technology, digital investments, modern education. Mobile graph with BTC payment card and graduation cap. Crypto education and online

Cryptocurrency Growth Concept with Coins, Cloud, and an Upward Graph Arrow. Cryptocurrency, investment growth, cloud computing, financial analytics, fintech. Cryptocurrency, investment growth, cloud computing, financial analytics, fintech, market trends. Floating coins, a cloud and a rising arrow graph. Cryptocurrency and investment growth concept

GDPR compliance and data protection concept shield, lock, and digital wallet icon. GDPR compliance. GDPR safeguards data security in financial transactions. GDPR. GDPR compliance. GDPR safeguards data security in financial transactions. GDPR ensures protection for online payments and digital wallets. For fintech, customer privacy, cybersecurity, banking

Digital Wallet with Cryptocurrency Symbols and Finance Analytics Elements. Cryptocurrency, digital wallets, blockchain technology, payment systems, finance. Cryptocurrency, digital wallets, blockchain technology, payment systems, finance analytics, environmental awareness. ion of a wallet with coins and data charts. Digital wallets and blockchain

Four Flat Wallet Icons Set Minimalist Vector Illustration. Collection of four flat wallet icons featuring minimalist wallet designs for finance, personal. Collection of four flat wallet icons featuring minimalist wallet designs for finance, personal budgeting, banking, digital payments, money management and financial business applications

Four Flat Wallet Icons Set Minimalist Vector Illustration. Collection of four flat wallet icons featuring minimalist wallet designs for finance, personal. Collection of four flat wallet icons featuring minimalist wallet designs for finance, personal budgeting, banking, digital payments, money management and financial business applications.

Four Flat Wallet Icons Set Minimalist Vector Illustration. Collection of four flat wallet icons featuring minimalist wallet designs for finance, personal. Collection of four flat wallet icons featuring minimalist wallet designs for finance, personal budgeting, banking, digital payments, money management and financial business applications.

E-commerce marketplace and online retail linear icons set. A collection of thin line symbols for digital web store navigation and business transactions. A collection of thin line symbols for digital web store navigation and business transactions. Includes of cart baskets, purchase wallets, barcode scanners, shipment boxes, and customer login accounts.

Digital wallet line set for financial and banking services. Twenty-four blue line for digital wallets, financial services, and banking operations, displayed on a. Twenty-four blue line for digital wallets, financial services, and banking operations, displayed on a white background

Digital Token Exchange and Entertainment Concept with Transaction Symbols. Token exchange. Token transactions showcased with currency symbol, tokens in hand. Token exchange. Token transactions showcased with currency symbol, tokens in hand, magnifying glass, and entertainment icons. Tokens in gaming, digital use, financial platforms, apps

Set of brown leather fashion accessories for men and women. A collection of high-quality brown leather fashion accessories including wallets, handbags, a belt. A collection of high-quality brown leather fashion accessories including wallets, handbags, a belt, and a keychain, rendered in a 3D illustrative style

Leathercraft Artisan Tools and Handmade Goods Equipment Kit. Leathercraft equipment collection featuring an artisan silhouette working at a workbench surrounded. Leathercraft equipment collection featuring an artisan silhouette working at a workbench surrounded by needles thread cutting tools hammers and finished wallets

Digital Wallet and Online Identity Concept with ID Card and Payment Pathway. Online payments, digital wallets, personal identity, financial tech, authentication. Online payments, digital wallets, personal identity, financial tech, authentication, e-commerce. a digital ID card, wallet icon and a connection path. Online payments and digital wallets concept

Mobile QR Code Payment System with Smiling Face Icon and Male Character in Motion. Smartphone screen displaying QR code with bank notification, happy face icon. Smartphone screen displaying QR code with bank notification, happy face icon, and animated male figure. Ideal for payment, banking, digital wallets, transactions, apps, business simple landing page

Set of brown leather fashion accessories and personal items. A collection of stylish brown leather accessories including handbags, wallets, a belt, and a. A collection of stylish brown leather accessories including handbags, wallets, a belt, and a keychain, rendered as high-quality digital icons

Collection of various wallet and money icons in black and white. Black and white icons of wallets and money

Digital Wallet and Cloud Storage Concept with Secure Data Transfer Arrow. Digital payments, data transfer, secure cloud storage, financial technology. Digital payments, data transfer, secure cloud storage, financial technology, cryptocurrency transactions, online wallets. Digital wallet with circuit lines, cloud and arrow. Digital payments

Bitcoin Payment Transfer with Pen Device and Digital Cryptocurrency Symbol. Cryptocurrency transactions, fintech solutions, blockchain technology, payment. Cryptocurrency transactions, fintech solutions, blockchain technology, payment systems, digital wallets, financial security. Pen device with arrow pointing to Bitcoin symbol. Cryptocurrency

Black and white line of finance, business, and technology concepts. The a collection of 20 black and white line arranged in a grid of three rows and seven. The a collection of 20 black and white line arranged in a grid of three rows and seven columns. The depict various finance, business, and technology-related concepts such as money, credit cards, shopping bags, coins, piggy banks, wallets, calculators, charts, briefcases, mobile phones, laptops, desktops, settings gears, locks, keys, shields, documents, folders, envelopes, and money bags. Each is

Modern payment methods. This image depicts a collection of modern payment methods. It includes a credit card, a smartphone, and a point-of-sale terminal. These. This image depicts a collection of modern payment methods. It includes a credit card, a smartphone, and a point-of-sale terminal. These items represent the various ways people can make transactions in today's digital age. The credit card symbolizes traditional card payments, the smartphone signifies mobile payments and digital wallets, and the point-of-sale terminal highlights in-person

Contactless Payment Concept with Hand Holding Credit Card and Card Reader Icon. Financial transactions, digital wallets, fintech innovation, secure payment. Financial transactions, digital wallets, fintech innovation, secure payment, retail technology, e-commerce. Hand holding a credit card near a card reader. Financial transactions and digital wallets

Cloud Computing and Cryptocurrency Concept with Bitcoin Symbol and User Interaction. Cloud computing and cryptocurrency concept. Cloud data transfer process. Cloud computing and cryptocurrency concept. Cloud data transfer process, user interaction, and Bitcoin symbol highlight digital technology. Perfect for blockchain, fintech, and tech innovation . Key

Decentralized Finance Concept with Icons for Home, Shopping, Time, and Keys. Finance, technology, blockchain, decentralized systems, time management, property. Finance, technology, blockchain, decentralized systems, time management, property ownership. Central blue DEFI text connected to icons of home, shopping cart and clock. Finance and blockchain

Digital Identity and Cryptocurrency Concept with User Profile and Bitcoin Symbol. Digital identity, cryptocurrency trading, blockchain, fintech solutions, secure. Digital identity, cryptocurrency trading, blockchain, fintech solutions, secure transactions, online accounts. User profile icon and Bitcoin logo. Digital identity and cryptocurrency

Financial Protection Concept with Laptop, Coin, and Person Holding Umbrella. Financial security, online services, digital economy, savings, protection, remote. Financial security, online services, digital economy, savings, protection, remote work. Laptop with coin and person holding umbrella. Financial security and online services concept

Woman with Tablet Beside Wallet and Coins Illustrating Digital Shopping and Online Payment. Wallet with coins, woman using tablet, shopping cart graphic. Ideal. Wallet with coins, woman using tablet, shopping cart graphic. Ideal for e-commerce, online payment, digital wallets, finance, shopping, budgeting fintech simple landing page

Digital Banking and Financial Data Management with Online Security Concept. Online banking, data analysis, digital security, financial monitoring, remote work. Online banking, data analysis, digital security, financial monitoring, remote work, technology tools. A virtual credit card on a mobile screen and person working on a laptop. Online banking and data

Digital Wallet with Cryptocurrency and Science Beaker Innovation and Technology. Financial technology, cryptocurrency, digital wallets, scientific research. Financial technology, cryptocurrency, digital wallets, scientific research, innovation, economy. Digital wallet with coins and beaker graphic. Financial technology and scientific research concept

Digital Wallet with Cryptocurrency and Secure Identity Concept Illustration. Cryptocurrency transactions, digital wallets, identity verification, online security. Cryptocurrency transactions, digital wallets, identity verification, online security, blockchain technology, data protection. A wallet with crypto icons and a man holding an ID. Cryptocurrency

Bitcoin Payment Concept QR Code, BTC Symbol, and Digital Communication Elements. Cryptocurrency transactions, blockchain technology, digital payments, e-wallets. Cryptocurrency transactions, blockchain technology, digital payments, e-wallets, finance exchange, secure communication. Image shows a BTC logo, QR code and envelope symbol. Cryptocurrency

Secure Financial Transactions Concept with Dollar Symbol and Shield with Lock Icon. Financial security. A dollar symbol and shield with lock financial security. Financial security. A dollar symbol and shield with lock financial security and protection. Financial security for online banking, e-commerce, fintech, cybersecurity, and payments

Minimalist Profile Avatar with Coin Financial Identity and Digital Transactions. Financial identity concept. Simple digital design shows profile avatar alongside. Financial identity concept. Simple digital design shows profile avatar alongside a coin for financial identity. Highlights modern financial identity and digital interaction. Perfect for fintech

Clock with Bitcoin Symbol and QR Code Cryptocurrency Transactions and Time Concept. Cryptocurrency, blockchain, digital payments, online security, technology. Cryptocurrency, blockchain, digital payments, online security, technology, time management. Analog clock, Bitcoin symbol and QR code illustration. Cryptocurrency and blockchain technology theme

Contactless Payment and Digital Transaction Concept With Hands and Card Exchange. Cashless transactions, digital wallets, online payment, banking security. Cashless transactions, digital wallets, online payment, banking security, financial service apps, contactless technology. A hand holding a card and another clenched hand. Cashless transactions

Bitcoin Cryptocurrency Coins Stack with Umbrella and Floral Design Elements. Cryptocurrency, financial security, insurance, blockchain, investment, eco. Cryptocurrency, financial security, insurance, blockchain, investment, eco-sustainability. Digital coins with Bitcoin symbol, umbrella and floral elements. Financial security and insurance concepts

Cybersecurity and Financial Protection Concept with Shield, Lock, and Money Bag Icon. Cybersecurity, financial protection, digital security, data privacy, secure. Cybersecurity, financial protection, digital security, data privacy, secure transactions, cloud storage. A shield with a lock, a money bag and a cloud. Cybersecurity and financial protection

Glassmorphic UI UX interface elements and icons vector template. A futuristic vector interface showcasing a collection of empty glossy frames, panels, and. A futuristic vector interface showcasing a collection of empty glossy frames, panels, and circular control buttons. Clean minimal screen design layout with glowing neon highlights, ideal for contemporary technology branding, crypto wallets, and software presentations.

Crypto App Landing Page Blockchain Wallet Trading Interface Vector. Power digital assets with this crypto app landing page. Features wallet interface preview. Power digital assets with this crypto app landing page. Features wallet interface preview, trading dashboard visuals, compelling headline on secure crypto management, prominent CTA for download app, security badges, and modern blockchain aesthetic. Perfect for crypto wallets, trading apps, DeFi platforms, and blockchain products.

Financial Elements with Money Bag, Coins, and ID Card Representing Economy and Transactions. Money bag with dollar symbol, coins, and ID card visualizing finance. Money bag with dollar symbol, coins, and ID card visualizing finance, currency, identification, and transactions. Ideal for banking, savings, investments budgeting fintech digital wallets

Digital Wallet with Circuit Design, QR Code, and Cloud Symbol Technology and Payments. Digital payments, cryptocurrency, secure transactions, financial. Digital payments, cryptocurrency, secure transactions, financial technology, QR code scanning, cloud data. Image shows a digital wallet with circuits, a QR code and cloud symbol. Digital payments

Artificial Intelligence in Financial Transactions and Digital Security Concepts. Digital payments, AI integration, financial analysis, technology, online. Digital payments, AI integration, financial analysis, technology, online security, data systems. Woman with magnifying glass analyzes money. Digital payments and AI integration concepts

Modern flat icons set for mobile payment and financial services. Colorful icons illustrating digital payments, wallets, and financial transactions

Decentralized Finance Concept with Charts, Certificate, Blockchain, and Security. Decentralized finance, blockchain strategy, financial growth, digital wallets. Decentralized finance, blockchain strategy, financial growth, digital wallets, data security, online transactions. Laptop with DeFi icon, graphs certificate shield chess piece. Decentralized

Abundance Versus Scarcity of Money in Wallets Concept. This image illustrates the stark contrast between abundance and scarcity, showing a full wallet. This image illustrates the stark contrast between abundance and scarcity, showing a full wallet overflowing with cash and credit cards next to an empty wallet with only a few coins, symbolizing wealth and poverty

Digital Wallet with Cryptocurrency and Woman Using Laptop for Online Transactions. Digital wallet concept. Digital wallet showing cryptocurrency with symbols. Digital wallet concept. Digital wallet showing cryptocurrency with symbols thumbs up Bitcoin and Dollar. Digital wallets enable secure online payments, crypto storage, and financial management

Digital Wallet with Gears Financial Technology and Operation Management Concepts. Financial technology, digital payments, business optimization, savings. Financial technology, digital payments, business optimization, savings management, financial planning, innovation. A wallet icon with gears and cloud elements. Financial technology and digital

Black and white icons of various handbags and accessories. Flat design icons of purses wallets and fashion accessories in monochrome

Mobile Payment and Cloud Communication Concept with Wallet, Coins, and Phone Signal. Digital payments, e-wallets, contactless transactions, cloud services. Digital payments, e-wallets, contactless transactions, cloud services, telecommunication, data storage. Wallet with coins, phone signal and cloud symbol. Digital payments and e-wallets concept