Explain the benefits of using a digital wallet for making payments. Your answer must contain a title, wrapped in double angular brackets, such as <<poem of joy>>. Your response should contain at least 3 placeholders represented by square brackets, such as [address]. The response must have 2 sections. Mark the beginning of each section with SECTION 1 and SECTION 2. Include keywords [security, convenience, transactions] in the response. At the end of your response, please explicitly add a postscript starting with P.S.
user