It seems Google wants to do consumer tech only to get money to be able to do high tech. But otherwise it has no real interest in consumer tech.
Then 3 years later we hear about them being closed down (due to lack of traction) and they get a whole load of bad press from all the people who actually did use it.
Any new product, even at a large company, should be thought of like a startup - in constant need of marketing.
Contrast to Apple Pay. Held the phone up, prompted for fingerprint, done.
Just tap the phone on the NFC device and that's it (the PIN pad at the retail may then prompt you to hit credit or debit, if you choose debit, you just enter your wallet pin again). If Google Wallet needs to be unlocked first, it will prompt you for the wallet pin.
In fairness, it used to be far more cumbersome. They fixed most of the user interface problems with the release of Android 5.0.
Just tap, type PIN, receipt scrolls up the screen of my phone when it goes through and I get an email copy.
Interestingly enough, it was actually supported at more of the places I visited until the Apple version came out and brought increased attention to the concept...prompting many vendors to block it and try to push their own inferior solution.
I really wish that crap would stop. There's already a fairly compatible standard option that is working with both Apple and Google offerings (who would have thought!?) and offers the added convenience and security these setups provide. And rather than make a better app or gizmo that also works with the existing setup and competes on features or usefulness, they just block the competition before customers have a chance to start expecting them to work.
I've been using a contactless card for a while now and they're accepted in loads of places, but Google just don't seem interested in supporting it in the UK. Even the London oyster system works contactless now - I wouldn't be surprised if Apple Pay works flawlessly with that too.
Rinse and repeat
But you raise a good point. I think the insecurity starts with Google and Apple responds. (and I'm an Android user so no fanboi assumptions!) Google relies on a very open web to leverage all the data to optimize search to drive ad monetization. I think Apple was very happy with optimized Google services running on iPhones making the whole experience richer (they want to sell hardware not profit from search/ads) Once Google realized just what mobile would become and how big a chunk of that Apple would control they panicked at the thought of being locked out. Again, due to their basic premise they're always going to be more insecure.
I'm wondering if Google can replicate what they did with Android and apply it in payments.
Or at least that was the case for me.
WTL;DR: Apple is superior because they have complete control over their ecosystem (WSJ's opinion, not my own)
https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&c...
It's from the Wall Street Journal, of course it's paywalled. Can we just have a macro that auto-pastes the same conversation thread for each wsj.com article, and save us all a lot of typing?
>It's from the Wall Street Journal, of course it's paywalled. Can we just have a macro that auto-pastes the same conversation thread for each wsj.com article, and save us all a lot of typing?
Is that attitude directed at me? I'm sorry if I was supposed to know that the WSJ is always paywalled.
Not that I can immediately think of any instances where I've read the WSJ recently.
If I have read it recently, it was probably using someone else's bypass that I was unaware of.
If you could make more plain exactly where you're directing that... exasperation... that'd be fantastic. As right now, it looks directed at me and frankly, I don't think it's deserved.
Google Inc. is reaching for its Wallet to keep pace with Apple Pay, but differences in the two companies’ mobile businesses mean it won’t be easy.
The Internet-search giant is trying to marshal an unruly coalition of device makers, wireless carriers, banks and payment networks to shape a new version of its Google Wallet payment service, in some cases by offering them more revenue. Google hopes to unveil the new service at its developer conference in late May, said people familiar with the matter.
Google, however, exerts less control over the smartphones that use its Android mobile operating system than Apple Inc. does over its iPhones. Smartphone makers and wireless operators offer many flavors of Android devices, with different preloaded apps. Each player has its own priorities, and changes made on behalf of one player can inconvenience the rest.
Further complicating Google’s task is that some of its “partners” have plans for their own payment services. Samsung Electronics Co. , the biggest maker of Android phones by number of units, plans to unveil its own payment service next month using technology from LoopPay Inc., a payments startup Samsung acquired this week. A person familiar with the Samsung-LoopPay deal said big smartphone makers envision few benefits from cooperating with Google Wallet.
By contrast, Apple controls the iPhone’s hardware and software, giving it a big advantage. Apple Chief Executive Tim Cook said last week that Apple Pay was only possible because of this control. “Imagine trying to do this with several different companies,” Mr. Cook told an investment conference. “You’d be pulling your hair out.”
Persuading Android partners and financial-service companies to support its payment service requires Google to “herd the many cats involved,” wrote Tim Sloane, a payments analyst at Mercator Advisory Group, in a January research report. “It’s a mess,” he added in an interview.
Still, Google has to aim for success, because Apple Pay could become a draw for people to buy iPhones, instead of Android phones. Mr. Cook said last month that Apple Pay accounted for $2 of every $3 spent using contact-less payments on the largest payment networks.
Apple Pay “has changed the dynamics” of mobile payments, said Marc Freed-Finnegan, a former Google Wallet executive who is chief executive of retail-technology startup Index Inc. “If payments become a standard feature of phones, Google has to have a service on a par with Apple or better.”
A Google spokeswoman declined to comment. Omid Kordestani, Google’s chief business officer, told investors last month that Google is working on a “fully functional payment system” that goes “beyond just tap and pay.”
Google launched Wallet in 2011, allowing owners of some Android phones to pay by tapping on retail checkout terminals equipped with a wireless technology known as near-field communication. But most large U.S. carriers refused to preload the Wallet app on their Android phones. They also blocked the service from accessing a chip that stored credit-card information, because they were working on their own payment service.
In 2010, AT&T Inc., Verizon Communications Inc. and T-Mobile US Inc. formed Isis, later renaming it Softcard. The service failed to gain much traction, and Google is now in exclusive talks to acquire it as a key component of the revived Google Wallet, people familiar with the matter have said.
The three wireless carriers are more willing to work with Google these days, because they get no revenue from Apple Pay, the people familiar with the matter say. Mr. Freed-Finnegan said that’s created an incentive for Google and the carriers to cooperate. “Certainly Apple isn’t working with the carriers,” he said.
The three carriers and Softcard declined to comment.
In talks with the carriers, Google is offering to pay them to feature Wallet prominently on their Android phones and is dangling the promise of more revenue from advertising tied to Google searches made on the phones, according to the people familiar with the matter.
For Google, one big benefit of having a popular Wallet app would be the data it could collect on consumer purchases, which would give the company something besides website clicks to demonstrate the effectiveness of its ads. That could drive up ad prices, and carriers would share in the gains.
Banks are playing their own waiting game, to see how many carriers and device makers cooperate. Hundreds of banks are participating in Apple Pay, but most are interested in reaching Android users too. Android smartphones accounted for 47.6% of U.S. smartphone sales in December, a fraction less than Apple devices, according to Kantar Worldpanel ComTech.
Banks pay Apple a small fee for each transaction because Apple’s security measures reduce their fraud-prevention costs. Apple Pay users’ credit-card information is encrypted and stored on the phone, so merchants never see it.
Google is talking to banks and payment networks, including Visa Inc. and MasterCard Inc., hoping for a similar deal, according to people familiar with the situation.
Google’s situation is more complicated. In 2013, it eliminated a requirement that payment information for Wallet be stored in hardware, because the carriers had prevented Wallet from accessing the data that way. Its alternative, a software-based approach known as Host Card Emulation, may require banks to upgrade their antifraud systems. Mr. Sloane, the Mercator analyst, said the associated costs and disruption may make banks less willing to share fees with Google.
—Daisuke Wakabayashi contributed to this article.
Write to Alistair Barr at alistair.barr@wsj.com
