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" ... This doesn't mean that card issuers should downplay their wallet promotion and education efforts. Considering 'no need/not interested' is the number one reason that nonusers haven't adopted digital wallets (cited by 36% of nonusers), the same hygiene-centric value proposition used for contactless cards can be leveraged. Inevitably, the best practice for financial institutions is to enable choice at checkout. Cardholders should be left to decide if it is their device or card they choose to tap at the point of sale. ... "