The real comic here is +Google Wallet
your offerings as of right now are laughable. Please lets be real here, you have laundry list of issues that can crack a funny bone. I shall list them to my knowledge
1) Carriers do not support your services, even Sprint is backing down by making there own NFC payment system and making you a 3rd class app to consumers.
2) You have had Security issues that have warranted problems to consumers that think twice about a digital wallet. Let the not forget the wallet digit-pin cracker a dev made to crack into google wallet
3) Your main guys Rob von Behren and Jonathan Wall, Founding Engineers on Google Wallet. Have left Google wallet to start up there own digital payment services. That's terrible how do you lose these guys?
4)Google wallet has been out for more than a year and has not made a dent in any shape of form, the let consumers invest in the service.