Digital wallets (DWs) are increasingly being embedded into a diverse range of sectors including banking, e-commerce, healthcare and government services. As DWs become integral to everyday life, the demand grows for secure, intuitive and user-empowered experiences. 

This report presents inclusive, evidence-based frameworks to support digital wallet development that bridges gaps between policy, user expectations and commercial imperatives. It draws upon contemporary academic research, student-led community initiatives and interviews with commercial app designers, to identify key enablers that support informed digital identity management and decision-making.  

The report offers targeted contributions to stakeholders including researchers, designers, policymakers, regulators, standards bodies and commercial organisations. Three overarching themes emerged:

1. comprehensive research is needed to better understand and validate the DW design process, especially from the designer’s perspective.
2. stronger alignment between academic and design priorities is essential to address user behaviour and identity management concerns.
3. improved translation of complex regulatory and technical requirements into user-friendly, trust-building design is critical.