Merchants play a significant role in the development of mobile payments and claim a substantial benefit from the implementation of the mobile wallet services. Together with the provision of additional payment options, they obtain new ways of interaction with their customers through loyalty schemes, discounts and other marketing offers. Merchants can offer wallet services under their own trademarks or place them in the wallets of other providers, exploiting data on user preferences for sending targeted proposals such as coupons, discounts and other loyalty program promotions. PriNum’s products and services can meld physical and online retail properties into one digital commerce platform.