The success of digital wallets varies greatly depending upon whom you ask. In early August, Goldman Sachs analysts proclaimed that digital wallet adoption had been “underwhelming to date by nearly every objective standard.” The note stated that while Apple‘s (NASDAQ: AAPL) Apple Pay was the dominant leader in the space, accounting for 90% of all contactless payments originating from a smartphone in the U.S., it still was struggling to gain real traction.