Digital Identity Wallets: A Guide to the EU’ s New Identity Model
André Kudra, Alexander Stefan Rieger, Johannes Sedlmeir, Tamara Roth, Gilbert Fridgen, Amber Young · Information Systems Journal · 2025
ABSTRACT By 2026, the European Union will introduce digital identity wallets to its citizens, residents, and organisations. These wallets will have far‐reaching implications for how public and private sector organisations interact with their users—some evident, others less. In this paper, we synthesise several years of pioneering experience with the wallet‐based model to understand its opportunities and challenges. We discuss how the model can not only streamline organisational identity and access management but also generate broader value for organisational processes. We then unpack the challenges that come with its implementation and navigating the emerging wallet ecosystem. We conclude with a step‐by‐step guide for successfully implementing the wallet‐based model.