The article discusses the results of a study done on digital wallets, or m-wallets as the study calls them. The study primarily looks into how and why consumers are transitioning to and using digital wallets. The study hypothesized that PCM or perceived collectivism would majorly influence whether or not a consumer switched over to a digital wallet, but that was not found to be true in the context of the study. The primary reasons why consumers are adopting digital wallets because it's convenient and easy. In regards to digital wallets and the hospitality industry, guests are and will be using digital wallets to pay for their meal/stay/service. Digital wallets make it easy for guests to split payments or pay each other back when sharing an experience.