Although it’s been around for some time, Amazon’s (NASDAQ: AMZN) digital wallet, Amazon Pay, is just starting to surge in popularity on merchant websites. While Industry Focus: Financials host Jason Moser thinks PayPal (NASDAQ: PYPL) and Apple (NASDAQ: AAPL) have clear technological advantages, Fool.com contributor Matt Frankel, CFP, thinks that Amazon’s familiarity gives it an advantage as more consumers adopt digital wallets in the coming years.