The first thing you need to do is clarify your idea. A "mobile wallet" can mean a lot of things. Are you wanting to build an app, a company that partners with credit card providers, or create a vehicle to save on medical bills? You must think about this and research.

Once you have clarified your idea. Imagine your end user's experience and imagine how your product will help them. Once you have done that begin working backwards from the end product to determine what you need. So for an app you would need some servers, a developer, and a good idea. You get the point. You must study what you want to do and then you will have the clarity you need.