I need a detailed description of the benefits of using a digital wallet. Your response should contain at least 3 paragraphs. Paragraphs are separated with the markdown divider: ***. Highlight at least 2 sections in your answer with markdown, i.e. *highlighted section*. In your response, the word "convenience" should appear at least 3 times. Finish your response with this exact phrase "Is there anything else I can help with?".

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