A managed service may include first logic to receive authentication information from a user terminal on behalf of a user, and receive user information on behalf of the user when the user terminal is authenticated via the authentication information. The first logic may send a portion of the user information to a mobile wallet application operating on a mobile terminal related to the user, and may receive updated user information from the mobile terminal, where the updated user information identifies a change to the portion of the user information, the change based on an operation performed via the mobile terminal on behalf of the user. The managed service may include second logic to store the user information in a server virtual wallet application on behalf of the user, retrieve the portion of the user information from the server virtual wallet application for the sending, and store the updated user information in the server virtual wallet application.