EUDI Wallet - Critical Success factors for Digital Single Market and Private Sector Use

Why the private sector is the major milestone for the European Identity Wallet to succeed ? Let’s discuss:
• Will the current EUDI-wallet enable or hamper eg the banking sector in future (in relation to KYC, Strong Customer Authentication, Payments, ….)?
• Which standards are the right ones to enable eg the travel / mobility sector (mdoc, icao, verifiable credentials)? Which give the most added value?
• How will current private sector wallets at large --like those used in ecommerce-- interact with the EUDI whilst ensuring citizen privacy-by-design?
• Which technologies are at hand to keep our wallets secure and combat identity theft/fraud/threats when Europe has no control over those mobile devices?