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eISSN: 2582-8185 || CODEN: WJARAI || Impact Factor 8.2 ||  CrossRef DOI

Research and review articles are invited for publication in March 2026 (Volume 29, Issue 3) Submit manuscript

The evolution of digital wallets: Cloud, IoT, and blockchain synergy in credit card services

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  • The evolution of digital wallets: Cloud, IoT, and blockchain synergy in credit card services

Jeyasri Sekar *

Software Engineer 216 N commerce st, Aurora, IL-60504. USA.
 
Review Article
World Journal of Advanced Research and Reviews, 2022, 15(02), 707–715
Article DOI: 10.30574/wjarr.2022.15.2.0388
DOI url: https://doi.org/10.30574/wjarr.2022.15.2.0388
 
Received on 24  March 2022; revised on 24 August 2022; accepted on 29 August 2022
 
There are new possibilities resulting from the progress of cloud technology, IoT, and blockchain as regards the development of digital wallets. In this paper, I identify how these technologies intertwale to define the current state of digital wallets. Thus, cloud computing also forms the basis for the protection, as well as the scalability and availability of the payment details, for multiple-device usage. IoT is an extension of digital wallet wherein payments can be made from any device, based on context and can be made automatically. Blockchain is the technology of decentralised and immutable records of data assets, which contributes towards the security, efficiency and integrity of monetary digital currencies and the completion of their transactions. Thus, describing the collaboration of these technologies, this paper outlines the changes in the concept of a digital wallet and future development of the field.
 
Digital wallets; Cloud computing; Internet of Things (IoT); Blockchain technology; Cryptocurrency; Payment systems; Financial technology
 
https://wjarr.com/sites/default/files/fulltext_pdf/WJARR-2022-0388.pdf

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Jeyasri Sekar. The evolution of digital wallets: Cloud, IoT, and blockchain synergy in credit card services. World Journal of Advanced Research and Reviews, 2022, 15(2), 707-715. Article DOI: https://doi.org/10.30574/wjarr.2022.15.2.0388

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