E-wallet is a fintech digital tool that allows to make cashless, quick, and easy transactions, and to review and analyze payment histories. Meanwhile, the expansion of digital wallet usage has contributed to a surge in overspending where users do not benefit from generated expenditure data to improve personal financial management. The objective of this study is to compare existing delivery technologies operational features to ensure the best suited delivery technology is adapted into the proposed adaptive money management embedded e-wallet design. A review was conducted to find relevant articles published between 2017 to 2021. The main inclusion criteria were English articles that discuss the applications of NFC, QR code, Digital (online)-only, and/or SMS. The search resulted in 159 articles but only 12 met all the inclusion criteria. The review highlights the advantages and disadvantages of using the three technologies in financial applications. This review suggests that QR payment is most popular, secure, fast, and cost-effective compared to NFC and SMS, as delivery technology best suited for the adaptive management embedded e-wallet that incorporated the four blocks of Fintech t
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