The use of mobile wallets is steadily increasing throughout the world. They offer the convenience of touch and go payments, simplify quick purchases using mobile phone apps and remove the need to carry a great deal of cards in your purse or wallet. Mobile wallets consist of a mobile app that has been uploaded with your set of credit, debit and reward card details. The system can include an accompanying physical credit card that can be presented for purchases as a normal credit card but can function at any chosen time as one of your credit cards. Online payments will not change, and still require the provision of primary account numbers and CCVs.