Dive Brief:

• Capital One has unveiled a new wallet app that works with Apple Pay. Mobile swipe access must be triggered first via the web.

• “Capital One Wallet” offers real-time purchase notification and other information designed to allow consumers to spot legitimate versus fraudulent activity.

• Credit card rewards can be accessed via the app and turned into gift certificates ready to use.

Dive Insight:

Most likely we’ll be seeing many more of these — wallet apps designed to work smoothly with Apple Pay. This is the steady march toward mobile payments that everyone is buzzing about now. Well designed apps like these can only help spur wider adoption of mobile payments. But the ultimate picture will be painted by consumers who do or don’t actually use them.