ANZ is in the unique position of offering its customers a choice of three digital wallets - something the bank says it is happy to continue doing.In February the bank launched the proprietary system Mobile Pay and in April it launched Apple Pay.ANZ chief executive Shayne Elliott said: "We have a very diverse set of customers. They choose different devices. We want to be device agnostic."Our proprietary wallet is successful. There is a market for it."Elliott said ANZ customers' use of digital wallets had exceeded expectations and he could see the technology replacing payment cards in under ten years.He said a wide range of customers was using it, making "all sorts of payments.""We see more customer engagement as a result of this offering. They might have had an ANZ card that they were not using and now they are using that account through the wallet."