Topic starter
25/10/2026 11:03 am
TL;DR: EUDI Wallet adoption is likely to hinge more on trust, disclosure control and transaction friction than on technical availability, IDnow reports in a survey of 2,000 adults in France and Germany. Identity programmes will need to balance wallet journeys with legacy verification paths if they want users to adopt them.
Editorial analysis by NHI Mgmt Group, based on content published by IDnow: “IDnow Publishes EUDI Wallet Consumer Survey Revealing Cautious Optimism Ahead of December Rollout”.
By the numbers:
- Nearly half of respondents, 46%, said they often abandon a transaction when processes are too complex or take too long.
Key questions
Q: Why does friction matter so much in digital identity onboarding?
A: Friction matters because abandonment is a governance outcome, not just a UX outcome.
Q: What are the best practices for selective disclosure in consumer identity?
A: Best practice is to request only the claim needed for the transaction, explain why it is needed and avoid collecting full identity data by default.
Q: How should banks prepare for EUDI wallet acceptance in regulated journeys?
A: Banks should classify which journeys can rely on wallet-presented evidence and which still require additional verification.
Practitioner guidance
- Design for minimum necessary disclosure Map each onboarding flow to the smallest set of identity attributes needed for the transaction and document when selective disclosure is sufficient.
- Measure abandonment as a security signal Track where users drop out because verification is too complex or too slow, then treat those points as evidence of control friction.
- Offer multiple assurance paths Support wallet-based, in-person, NFC, selfie and video-call options so customers can move through the path that fits the risk and context.
Bottom line: The survey shows that EUDI Wallet uptake will depend on trust, disclosure control and transaction friction, not just on technical availability.
Glossary terms: Selective Disclosure, Identity Assurance, Authentication Journey, Identity Orchestration
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This topic was modified 7 days ago by NHI Mgmt Group
27/10/2026 7:18 pm
The EUDI Wallet is being judged as a trust framework before it becomes a scaling framework. Consumers are not only evaluating whether the wallet works, but whether it reduces fraud exposure without demanding unnecessary disclosure. That means identity teams should stop treating adoption as a rollout metric and start treating trust as the primary control surface.
A few things that frame the scale:
- Nearly 60% of companies reported that fraud losses were still increasing in 2025.
A question worth separating out:
Q: What should organisations do when consumers still prefer legacy verification methods?
A: Organisations should keep multiple verification options available and treat them as part of one orchestration model, not separate programmes. Wallets, in-person checks and remote identity methods will coexist, so the programme should flex to user preference without lowering assurance.
👉 Read our full editorial: EUDI Wallet adoption hinges on trust, disclosure and friction
This post was modified 7 days ago by NHI Mgmt Group