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Google Pay reimagined: pay, save, manage expenses and more

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Re: Google Pay reimagined: pay, save, manage expenses and more

#101

Post by buran77 »

sorenjan wrote: post #42

I see that they've added integrated chat. If Google would've had a coherent chat app strategy they could've integrated it there, but I guess separate chats in every app is almost as good. There's no chance I'd use a service like this from Google by the way. I would probably had been interested if it had come from Google 15 years ago, but they have too much badwill since then, with all their cancelled services and sto…

I was thinking of the same. Tying critical services to a Google account feels like walking with some nitroglycerin in your pocket. Accounts get banned with no recourse and there's no law or regulation holding Google accountable yet.

The court of public opinion is not a real deterrent especially for a company with such power to shape it, to the point where the only way to even be aware of what they're doing is to be very tech-educated and interested in the particular topic.

Re: Google Pay reimagined: pay, save, manage expenses and more

#102

Post by pjc50 »

haxney wrote: post #58
stochastician wrote: post #48

Earlier quoted context omitted.

What the hell, I just tried this and it turns out to be true. Sometimes I think I should go work for google for a year just so I could rage internally about this sort of shit. I too have a GAFYD account I've been paying for since 2009.

(Googler here, opinions are my own) People do rage internally about this. Unsurprisingly, a lot of current Google employees were early adopters of new Google features.

That makes it even more entertaining that they end up railing against the same poor google product policies. Does nobody ever collar a product manager in the hallway?

Re: Google Pay reimagined: pay, save, manage expenses and more

#103

Post by pjc50 »

thanhhaimai wrote: post #51
thesuperbigfrog wrote: post #5

Google already has too much info from email, location tracking, and search history. Getting into bank accounts is too much. It would let them know exactly how effective advertising is since they would see how money is spent and they already know what advertisements they show you. Sorry, but no. Hard pass from me.

Brynn Bardacke (Google Pay Senior Director) stated publicly that: 1) Google Pay will never sell your information. 2) Specifically, Google Pay will never sell your transaction history to third parties 3) Or share it with the rest of Google for targeting ads. Source: https://youtu.be/A2hL32k7Y0I?t=934

Remember Palmer Luckey saying that Oculus would never require a facebook account?

Re: Google Pay reimagined: pay, save, manage expenses and more

#104

Post by rendall »

achow wrote: post #88
sorenjan wrote: post #42

I see that they've added integrated chat. If Google would've had a coherent chat app strategy they could've integrated it there, but I guess separate chats in every app is almost as good. There's no chance I'd use a service like this from Google by the way. I would probably had been interested if it had come from Google 15 years ago, but they have too much badwill since then, with all their cancelled services and sto…

This should not be seen as chats, but transaction documentation. The dialogs associated with informal or semi-formal transactions may not belong in your personal chat space; quite often that set of dialogs exists only before and during the transactions and never after that. > ..but they have too much badwill since then.. Google pay is the market leader in India in fintech. It is perhaps most trusted brand. The notion…

>> if we leave this space and go to emerging markets Google absolutely rules

I can understand why! Google services are free, or free-ish, and work extremely well!

Do you think sudden account bans with no recourse are something to be concerned about, or is it a lightning-strike-rare kind of situation: happens, but does not bear worrying about?

Re: Google Pay reimagined: pay, save, manage expenses and more

#105

Post by rathish_g »

sorenjan wrote: post #42

I see that they've added integrated chat. If Google would've had a coherent chat app strategy they could've integrated it there, but I guess separate chats in every app is almost as good. There's no chance I'd use a service like this from Google by the way. I would probably had been interested if it had come from Google 15 years ago, but they have too much badwill since then, with all their cancelled services and sto…

Indian version of the Google Pay even has games. They have beautifully gamified the payments services.

BTW chat is really useful feature in P2P payments.

Re: Google Pay reimagined: pay, save, manage expenses and more

#106

Post by pjc50 »

moneywoes wrote: post #65
sorenjan wrote: post #42

I see that they've added integrated chat. If Google would've had a coherent chat app strategy they could've integrated it there, but I guess separate chats in every app is almost as good. There's no chance I'd use a service like this from Google by the way. I would probably had been interested if it had come from Google 15 years ago, but they have too much badwill since then, with all their cancelled services and sto…

Nailed it. Why would I use this over cashapp or venmo?

This appears to include an API to bank accounts, so perhaps it's trying to compete with companies like Starling or Monzo. If it can disrupt the paleolithic US consumer banking industry it might end up being a net positive.

Re: Google Pay reimagined: pay, save, manage expenses and more

#107

Post by rendall »

A Google ban would be immediately devastating to me, but I would certainly recover over time. I could weather losing family photos, 15 years of emails, calendar, not to mention countless 3rd-party services I verified with my Gmail address that I'd have to deal with.

Add financial services into the mix? Especially banking? Gah, I cannot imagine. It would wreck me. I cannot responsibly use Google Pay for anything other than paying for Google services.

Re: Google Pay reimagined: pay, save, manage expenses and more

#108

Post by pjc50 »

rendall wrote: post #104
achow wrote: post #88

Earlier quoted context omitted.

This should not be seen as chats, but transaction documentation. The dialogs associated with informal or semi-formal transactions may not belong in your personal chat space; quite often that set of dialogs exists only before and during the transactions and never after that. > ..but they have too much badwill since then.. Google pay is the market leader in India in fintech. It is perhaps most trusted brand. The notion…

>> if we leave this space and go to emerging markets Google absolutely rules I can understand why! Google services are free, or free-ish, and work extremely well! Do you think sudden account bans with no recourse are something to be concerned about, or is it a lightning-strike-rare kind of situation: happens, but does not bear worrying about?

I think they're both a rare lightning event, and something that people in emerging markets are probably more used to happening from other sources.

I remember a while ago there was an outbreak of news reports of people being wrongly declared dead in India, which gave them all manner of bureaucratic trouble. I don't know if Aardhar has made that better or worse.

Re: Google Pay reimagined: pay, save, manage expenses and more

#109

Post by londons_explore »

pjc50 wrote: post #102
haxney wrote: post #58

Earlier quoted context omitted.

(Googler here, opinions are my own) People do rage internally about this. Unsurprisingly, a lot of current Google employees were early adopters of new Google features.

That makes it even more entertaining that they end up railing against the same poor google product policies. Does nobody ever collar a product manager in the hallway?

Said managers are very good at saying "I'm afraid it isn't a priority for our team at the moment".

Re: Google Pay reimagined: pay, save, manage expenses and more

#110

Post by londons_explore »

maximilianroos wrote: post #63
haxney wrote: post #58

Earlier quoted context omitted.

(Googler here, opinions are my own) People do rage internally about this. Unsurprisingly, a lot of current Google employees were early adopters of new Google features.

What's the case for not allowing these accounts? What do people reply internally?

Google apps for your domain is handled by the GSuite team. All their accounts have various extra requirements, like legal checks, not randomly adding features without consulting the admin, having different sets of servers for some services, having different treatment of private data (since the domain admin must be able to have some control over it) etc.

Some product teams within Google don't like all the extra overhead, paperwork, and complexity that adds, so instead they just block all enterprise accounts.

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