Digital wallets have become a widely accepted payment method over the past decade, with major card issuers largely supporting them. Usage options still depend on the device, with Apple Pay common on Apple devices and Google Wallet on Android, while Samsung Pay has a narrower compatibility range. New functions such as Tmoney transit cards in Apple Wallet and document storage in Google Wallet add convenience, but compatibility limits and unexpected issues remain.

Major fintech firms posted strong first-half results as growth in payments and financial services lifted revenue and profit, with overseas payments and new businesses also expanding. Payment companies are widening links into daily life through merchants, local currencies and transport, while firms bundle payments with other services. As businesses grow, demands for soundness management rise. Separately, there are signs of partial adjustments to loan regulations, while bank lending volume controls continue.