Read the passage and answer the question: A digital wallet is an electronic prepaid card with mobile banking (M-banking) that utilizes the ATM (automated teller machine) and all kinds of electronic communication technologies, including mobile phone. To obtain the digital prepaid card, customers will have to fill out an application form at banks or through agents. The bank will verify the customer under its know your customer (KYC) process to issue a digital money prepaid card. The card can be used to make a variety of payments such as utility bills, insurance premiums, loan installments etc. — According to the passage, a digital wallet is a: