I've been reading a lot about “which way” people think the digital wallet is going to go.

I have a Samsung Galaxy S4 with EE.  My wallet has NFC through cash on tap.  I can order ahead and pay on the go, or check in to pay and will have BLE and Beacon through PayPal.  My wallet has mobile checkout and QR code "advert buying" through Pingit.  I can also pay friends or prompt them to pay me easily.

I can get most of my storecards and loyalty cards through the Stocard app (barcode based).  I can check my balances or move money, or bank through my payment apps or my bank (First Direct) and payment cards (Capital One & Amex).

I can shop and in "1-Click" have things delivered next day through Amazon Prime, or next day to my local Waitrose through John Lewis.  I can compare prices, research and review items and look for deals through my Barcode app and Quidco

I can research and book travel; holidays, hotels, flights, trains through Skyscanner, Expedia and First Great Western.  I can store e-Tickets.

I can order a taxi (geolocation) in London, Dublin, Toronto, Boston, Chicago, Madrid, New York, Barcelona (and growing with Tokyo and Osaka next) through my Hailo app.  I LOVE Hailo.  The user experience is phenomenal (try it if you haven’t).  You can even pay (store a card on account), choose a tip, and get an emailed receipt.

I can even go to the Zoo, or National Trust properties through Stocard (I still take the cards as the world isn't ready for this), or buy a cinema ticker through Vue.

A lot of stuff that my old leather wallet can't do.  I still have one of course.  It has my payment cards, travel cards (Oyster) and cash in.  But it's a lot thinner than it used to be.

There is no such thing as a "killer" app that can do all of the above, and frankly there doesn't need to be.  There's room for more in my Digital Wallet (and I’m open to suggestions).  I'd be happy to pay from within social networks.  I'm happy for operator billing through EE.

I think my Digital Wallet would be improved with biometrics, and not necessarily finger scanning although I know that the floodgates have opened with Apple on that.  I’d like my Digital Wallet to have a wearable extension.  I'd like to tap and pay, wave or bump without getting my phone out, or have a quick balance check.  Maybe even a tap through a transport gate.

The opportunity is in joining the dots between all of these great things and making the experience better for the user. Setting up a Digital Wallet for start.  Simpler ways to connect my money with the apps I choose.  Making paying easier, and more rewarding.

The Digital Wallet exists, even if a little crude and disjointed.  The question is, who will make it into a compelling proposition?