While at a store deciding on a purchase, for example, a consumer could look at bills due and special offers, check balances on different debit, credit or loyalty cards, and make adjustments (such as move the payment for a bill back a week or so or make an account to account transfer in order to make a purchase) on the fly from the mobile wallet app. The 'data driven communication' refers to a link to CRM and account management tools that can be accessed through the same log in and user interface as the mobile payment app. The services include what the company is calling a 'virtual personal office.' That includes mobile payments funds transfers prepaid, debit and credit card management the ability to create payment templates for mobile and web bill presentment and payment as well as enhanced data-driven communication capabilities between the consumer and the acquiring financial institution.

The WAY4 Wallet is designed to provide access to financial services via the web, mobile device or social network without requiring visits to a branch.

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