Early results from card issuers that have introduced digital wallets suggest that the products so far appeal to a limited group of customers but that people who use them are fierce loyalists who buy and spend more on their credit cards online.

Though the first digital wallets offered little more than the sometimes unreliable ability to fill in merchant purchase forms, issuers persisted in refining the concept in the hope of developing a shopping tool with mass appeal. Today most of the top 10 card issuers offer a digital wallet with such features as disposable card numbers, free e-mail addresses, or price-comparison abilities.

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