KUBRA 2025 Research on Digital Wallets

Digital wallets have officially come of age. Once limited to retail and peer-to-peer payments, they’re now transforming how consumers pay recurring bills, from utilities and telecom to insurance and even taxes.

According to KUBRA’s 2025 Digital Wallets Research, 42% of consumers now use a digital wallet to pay a bill, up from 37% in 2022.  Nearly six in ten wallet users also manage multiple wallets, showing that digital wallets are no longer experimental; they’re an everyday part of how people manage payments.

This report examines the factors driving wallet adoption, the areas where usage is increasing, and the factors still holding some consumers back. It also uncovers how billers can position digital wallets as a trusted, convenient, and strategic payment option within an omni-channel experience.

Download the full report to learn:

How digital wallet usage has changed since 2022

• What drives or deters customers from using wallets for bill payments
• Which digital wallets are leading the way (PayPal, Apple Pay, Google Pay, Venmo)
• How billers can increase adoption through trust, convenience, and education

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