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1.
If you need someone to predict the future, Spike Feresten is your guy. In the summer of 1997, in the “Seinfeld” writers room, Mr. Feresten boldly told Jerry Seinfeld that wallets were over. Jerry disagreed. This led to a wallet throw-down, in which writers opened their wallets, as “it slowly dawned on them that they were carrying all of this garbage everywhere, everyday,” Mr. Feresten, an Emmy-nominated writer and producer on the show, told me.
2.
This conversation eventually led to one of TV’s most iconic props: George Costanza’s bulging, exploding wallet. OK, Mr. Feresten didn’t exactly foresee a world where smartphones, biometrics, ubiquitous cellular connectivity and high-tech terminals would replace stacks of cards and wads of paper. But he was right: Wallets are over.
https://www.youtube.com/watch?v=gwEmQNd6wMA
3.
Thanks to a global pandemic and our new collective fear of touching, well, anything, we’ve embraced contactless payments as an alternative to handing over plastic rectangles. In 2020, in-store mobile payments grew in the U.S. by 29%, according to research firm eMarketer, which predicts more than half of smartphone users will pay with their phones by 2025.
How dependant are you on your wallet, how has what you keep in your wallet changed over time?
4.
It isn’t just credit cards that smartphones have gobbled up like Pac-Man dots. Loyalty cards? Walgreens,Rite Aid and plenty of chains have digital cards you can load into Android or iPhone wallet apps. Membership cards? I bet your gym has transitioned from a key fob to a phone tap.
5.
Insurance cards? Aetna, Cigna and others now offer digital, printable cards. Transit cards? You can now tap and pay at all New York City subway stations and buses. San Francisco’s BART just added more mobile options, too. Vaccine cards? You’ve got options.
6.
But the real story is in the progress of the holdouts: the driver’s licenses, work IDs and other keys that have struggled to make the leap to the screen. Those cards, the remaining ones in the small stick-on wallet on the back of my phone, are getting ready for their digital debut, too. But do we want so much of our lives—and our personal information—tied to one battery-dependent device? Let’s ID the issues.
What are your thoughts on a completely digital wallet? Let’s weigh up the pros and cons
7.
Driver’s License
Back in 2019, I journeyed to the fine state of Delaware to see how one of the nation’s first mobile driver’s license programs worked. It was less than ideal—it required you to download a state-partnered app, then punch in a password a couple of times until you could see it. And it didn’t work at quite a few places, including airports.
8.
Now, Apple’sAAPL -1.01% coming iOS 15 has a new mobile driver’s license feature, and eight states—starting with Arizona and Georgia—have already signed up. So has the Transportation Security Administration. If your state offers it, you’ll be able to add your driver’s license or state ID right in the iPhone’s Wallet app by scanning your physical license.
