Organizations want similar flexibility for digital wallets, and open source to build modular components, together. ● Digital wallets should support the same flexibility of physical wallets. ○ Just like you can choose a physical wallet from many brands, organizations want to offer various choices and options. ○ To succeed, many organizations expect they need to offer multi-purpose capabilities and support interoperability. ● Very few organizations have the resources to take on all use cases, requirements, and still provide flexibility, choice, and interoperability. ● Many standards exist, but there is a gap in open source software components that can be used to build and publish wallets.