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You can learn a lot with 22 million users!  Well played Google your G Pay is far more egalitarian than Apple’s restriction with their SE and their insistence on better security...well I'm not hearing too many issues with G Pay security!

While it is a great talking point...........Contactless capability is lost with a metal card so you lose the practical aspects of quick frequent small transactions! With this card you will have to think hommus, it’s about "dipping" it every time!

While most at present will pay for small ticket items via an app, when it comes to major investments, loans and the like you want to see into someone's eyes! 

I agree with your observations Katharaman, however just take a look at the Banking Royal Commission in Australia and see why the shine has diminished in FI!

Interesting conclussions but I wonder what the sample age groups were and who funded such an expensive multi country survey? Guys the genie is out of the bottle and try as hard as you like Digital Only is here to stay and will continue to fragment the staus quo!

While at it, why use the following after all they often have animal by-products in them...Plywood, Nail Polish, Candles, Paint, Cologne and Perfume, Crayons, Wood Glue, Shampoo and Conditioner, paint brushes, fabric softener, Tires, Deodorant, Soap and Film....oh I forgot we've all gone digital!

With all stakeholders wanting to monitize their offering, there are so many pieces to that pie to go ariound!  Inevitably the 'unholly' alliance of Telco and Bank just does not seem to work with any 'wallet' offering!

I agree Fabrice, here in Australia we have seen numerous pliots and some migration, but it's very fragmented.  The mobile is also become a hackers honeypot...we are reading about an escalation of fraud in this area, with the added bonus for fraudsters as the get more then just funds but also idfenty info which is far scarrier!  Will the Banks quarantee that my ID information will not be compromised while using their app?  I think know the answer to that question....I see the use of scheme cards (contactless or contact) as a vaible option for some time to come!

Interesting if this is for real, how quickly people acted to alert the authorities for $375, let's see how quickly the authorities will move with the Panama Papers?

Brilliant!