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According to a ComScore study, mobile wallets are still a solution in search of a problem.
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Jessica Dolcourt's profile photoDavid Siebert's profile photoEric Souza's profile photoTapio Hietamäki's profile photo
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Yeah, everytime I use Google Wallet cashiers give the what are you doing face like I forgot how currency works. If your job is to take payments why wouldn't your place of employment train you on all the types of acceptable tender.
 
Yeah... with that said I still try to use it when ever possible because it gets people asking questions about it. 
 
Paid once with a Nexus 7 at a drive through. Cashier was flabbergasted. 
 
+Lionel D I guess they don't see much of it in the wild. I have to admit, that sounds pretty advanced given the set-up!
 
Honestly I love tech but a card is faster. To use Google Wallet.
Take out phone.
Tap on devices.
put in pin to unlock.
Tap again.
To use a card.
Take out card.
Swip.
Maybe a pin maybe not.

You can lanuch wallet and put in the pin before you get to the line but if your hands are full it is a pain and I am not so sure that it is secure.

That and it doesn't always work. Now if they can get all those stupid rewards cards in google walle and have it use them with the same tap. Or offer a google wallet to google wallet solution like Square where a vendor with an NFC phone can just tap into my phone for a payment that might be cool. 
 
+David Siebert I know what you mean. Every time I'm at a terminal, I just swipe the card. Even tapping the card never seems to work well at most pharmacies and super markets.
 
I'll take an extra step on the phone to not having to carry the cards or money in the first place...

That 41% awareness of Google Wallet is a lot higher than I expected it to be, given the current availability to actually use it.

There's been no major push yet.  I don't see why anyone would see these numbers as troubling, given the nascent state of efforts by digital wallet vendors.
 
People don't get the digital wallet... until they do.
 
+Eric Souza the problem is that it does not work 100% of the time and not everywhere. You still have to carry your card with you 
 
That's a pretty universal indictment for any fledgling technology platform +David Siebert .  I don't see that it pertains to digital wallets any more than it does to other fledgling platforms ultimately aiming for mainstream acceptance.
 
+Eric Souza For one technology to replace another it must be better in some way. I want digital wallets to work since I am tired of have a wallet full of cards. Until it becomes close to universal it is no way better so it will not catch on. IMHO what Google should push is for rewards cards. Most people have at most 4 credit cards but a ton of rewards cards and id cards for things like the gym. 
Here is what I would do with Google wallet.
1. Make it a service on the phone. It takes to long to pop up after the scan.
2. Get it into more stores and Gas pumps.
3. Vending machines. I never have cash and that is a real pain sometimes. Not all vending machines take credit cards.
4. Push for rewards cards on the phone. 
5 Get Sonic Drive in to use it. Sonic has a pre pay card that gives you free stuff. Right now you have to print that out if I could manage all of that from Google wallet it would be great.... Yea this one is just for me.
 
+David Siebert and +Eric Souza, you both have some great points. David, I especially like the idea of paying with a vending machine. I usually do have a ton of coins, but that's the perfect place for something like that.
 
+David Siebert No denying there's plenty of work to do yet and those are all great ways to improve digital wallet services, but "universal" never happens overnight. It takes years with services like this and we're really still just at the beginning of implementation in the US. The gaps and issues will be resolved steadily. As more phones gain NFC in the next couple of years, awareness will increase and demand will grow. 
 
+Eric Souza I am not speaking in absolutes. It just has to be so close to universal that there are options. If Subway supports it and Jimmy John's Subs does not, I may choose Subway. If Lowes supports it and not Home Depot then I might go to Lowes. It has to be better than taking out a card. Speed is everything when paying. Every second you take to pay makes other wait in line.  I feel it needs to go past payments for things like movie tickets a gym pass. Imagine if you could by the ticket with your cell and use the NFC in your cell as a ticket. Or imagine at the gas pump you pay and the amount of gas you get is sent to the phone so a car gas mileage app can get the data without you putting it in. 
In the end it just has to be better than using a credit card. We do not want technology to make our lives worse, do we?
 
I don't think it's making either of our lives worse just to have the option to pay by phone +David Siebert . Personally, I'll take a tiny bit of extra inconvenience in terms of fumbling with the phone as tradeoff for benefits like better security and paperless receipts. And it'll only get better from here. 
 
You may but for what I can use Wallet for like the 711 those benefits are minimal. Security? Nice but imagine you are 12 people back in the line at Christmas and each transaction takes an extra minute... Ouch...
I am all for it and I use it sometimes. It just has got to get better starting with the launch time for the wallet app.
 
I'd happily wager that by the time you actually find yourself in a line with 12 people who each want to pay with their phone, all the kinks will have been worked out and the process will go very quickly. :-) 
 
Good bet because we will not get there if they are not worked out. That is whole point of NFC being a solution in search of a problem. It has to be better and convince trumps security. 
Off Topic, +Jessica Dolcourt my wife and I really miss the Dialed in Podcast. We where big fans of Dialed in, Gadgetts, and BOL. We now listen to TNT, and other TWIT shows but none of those replace Dialed in.
 
+David Siebert I'm truly sorry I can't bring Dialed In back -- I miss it too! That said, you just completely made my day!
 
Paperless receipts are certainly convenient.  Knowing that your phone is more secure than your wallet so you can leave your wallet home is convenient.  Knowing that if your phone gets stolen you can just deactivate the phone rather than deactivate all your credit cards, unlike if your wallet got stolen, is convenient.  Etc.

And for some people who have too much in their wallet/purse to find their card or correct change quickly, the phone could actually be faster.  

I really don't think convenience is they key issue here.  Availability is, like any new platform.
 
+Eric Souza You seem to want to be an advocate for NFC payments. First of all receipts. Most people just throw them away as is.You can download them with your bill from the bank.  It currently is not more secure because you have to carry your wallet because NFC is not usable everywhere. Well people ever stop carrying their wallet? What about things like your ID? Will people take out their credit cards and stick them in a drawer?  
Like I said I am for NFC but it needs work. Today it has no significant advantage over credit cards. I have a GNEX with NFC that I used for a while. It was more of a pain than swiping my card. I still use NFC because it is cool but not better than using a card. Making the app launch faster should be a first step. Adding rewards cards and other functions should be second. They have a few already but not CVS, Walgreens, PetSmart, or BestBuy. CVS and Walgreens are probably the big ones. Finally a way to do person to person payments. To make a new tech work one must be critical of it so that it is an actual benefit NFC has potential but it needs a lot of work.
 
Mostly, I'm just confused by the "solution looking for a problem" claim esp. from someone like yourself who has listed about dozen different things he'd like to do with a digital wallet that wouldn't be possible with a standard one.  I understand your frustration at waiting for it all to get implemented though.
 
I can tell you a dozen ways to improve Google Wallet. My job is to make technology more useful. The problem is that right now the pain to gain ratio is too low for many people and that makes it for them a solution looking for a problem. Until they can get the launch to be instant and more stores taking digital wallet payments it is just what the report says. A solution looking for a problem because it is not as good of a solution as a card yet.
 
Sorry, it's just a poor way to characterize the state of things, especially since it's the same state any technology goes through before it appeals to a mass audience.  It's tone deaf to say that it's looking for a problem when there are clearly so many ways technology can improve over what we currently have.  It's totally fair to criticize the current state of the technology in terms of how well it achieves those ends and how long it will take to improve but lets at least acknowledge the merits to doing so rather than trying to brush them off as "a solution looking for a problem".  Because, if you really do want the tech to improve, that's not exactly helping to accelerate things by acting like it's something that wouldn't actually solve anything. 
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