Leaked Images Reveal Google Working on Apple Cash Card Competitor

[Justanotherfanboy]

Please. Qualify. Personal. Info.

Apple are also well known to use your, 'personal info' to determine how they think the product they sell should be designed. I never said that I don't mind. here's what I do know.
Big companies all take advantage of their users and if you don't think Apple arrive at pretty much the same info as the others but by second hand means I have a bridge to sell you.
It's like extra ordinary rendition. The US say they don't torture and in technical terms they probably don't. So they give the job to some one else to do to keep their hands clean on paper.
Tech firms want precious metals etc and the cost and regulation is too much so what they do is get it from somewhere else where they either know or strongly suspect that the regulations are less strict. So on the face of it, they have these impeccable standards and high ideals but in reality they're just pretending the problem doesn't exist and even if it does it's not their fault/problem.
Again though read the statement;
We do not sell your personal information to anyone. We use data to serve you relevant ads in Google products, on partner websites and in mobile apps. While these ads help fund our services and make them free for everyone, your personal information is not for sale.
But let me quote you what the OP said;
Yeah let me trust all my credit card transactions to the company that specializes in selling personal information 🤦‍♂️

Let me explain what I’m talking about...
Ads can cost fractions of a penny per view- they could also yield over $1 for a click.
It depends on the “quality” of the mark, errr unwitting customer, I mean.
For example BP ads at 7am, when many are off to work may be a few cents. However, can you not see that if Google knows for certain (via gps/card info) that you stop every Friday at 4pm for a fillup, that an ad coercing you to use the station across the street for “10¢ off per gallon now... & everyday if you sign up for a card!” served at that precise time and location is a literal thousandfold more useful to the product peddler?
You can cite Apple using anonymous usage info for product quality improvements all day long... I can clearly recognize that’s completely irrelevant to this conversation.
Again, if you’re the type that goes “hey, cheaper gas exactly when I need it, what’s the problem?”, I’m not judging that- just reiterating that there is a clear & obvious difference in using an Apple Card and a Google Card in that one would directly feed a treasure trove of data that is valuable immensely to an advertiser... directly to an advertiser; whereas one would not.

 

[H2SO4]

Let me explain what I’m talking about...
Ads can cost fractions of a penny per view- they could also yield over $1 for a click.
It depends on the “quality” of the mark, errr unwitting customer, I mean.
For example BP ads at 7am, when many are off to work may be a few cents. However, can you not see that if Google knows for certain (via gps/card info) that you stop every Friday at 4pm for a fillup, that an ad coercing you to use the station across the street for “10¢ off per gallon now... & everyday if you sign up for a card!” served at that precise time and location is a literal thousandfold more useful to the product peddler?
You can cite Apple using anonymous usage info for product quality improvements all day long... I can clearly recognize that’s completely irrelevant to this conversation.
Again, if you’re the type that goes “hey, cheaper gas exactly when I need it, what’s the problem?”, I’m not judging that- just reiterating that there is a clear & obvious difference in using an Apple Card and a Google Card in that one would directly feed a treasure trove of data that is valuable immensely to an advertiser... directly to an advertiser; whereas one would not.

No it’s not. You’re just being silly. What is standing out though is the failure to define personal info being sold.

 

[MisterSavage]

They lost me at "debit card".

 

[V_Man]

No it’s not. You’re just being silly. What is standing out though is the failure to define personal info being sold.

Twisting themselves into knots trying to come up with how Apple doesn’t sell data

 

[H2SO4]

Twisting themselves into knots trying to come up with how Apple doesn’t sell data

I'm not sure they sell data myself but it's not beyond the bounds of possibility. What I do think they do however is buy that data they say they don't collect from you. This means that the marketing machine can still proceed at full throttle making themselves look good and others look bad.
I remember little things like the location services being on when you thought it was off and I don't believe for a second that it wasn't intentional. Big companies are disingenuous which shouldn't come as any surprise as people are disingenuous. The difference is big companies try and make it official by putting it into a legal document to make you think, "Well they must be telling the truth as it's in writing".

 

[I7guy]

I'm not sure they sell data myself but it's not beyond the bounds of possibility. What I do think they do however is buy that data they say they don't collect from you. This means that the marketing machine can still proceed at full throttle making themselves look good and others look bad.
I remember little things like the location services being on when you thought it was off and I don't believe for a second that it wasn't intentional. Big companies are disingenuous which shouldn't come as any surprise as people are disingenuous. The difference is big companies try and make it official by putting it into a legal document to make you think, "Well they must be telling the truth as it's in writing".

Anyone who is following Apple and Tim Cook and has watched Apple's actions, will notice issues related to privacy are being addressed in a very timely fashion. Having Apple talk out of both sides of their "mouths" as you suggest would severely embarrass Apple.

Therefore I don't buy your view that Apple is acting in a deliberate underhanded manner and is purposefully disingenuous to its' customers. Of course it's always possible, anything is possible.

As far as being buried in the TOS, there is no other way for Apple to communicate with it's customers it's policies. So either one reads the documentation themselves or rely on "good sports" within the internet world to do the same and communicate the findings.

And of course, this IS your opinion (as you can't prove it's true and probably nobody on MR can prove it's false), I just don't ascribe to it.

 

[danielsutton]

There can never be too many Apple Cash Card competitors. If Google would make "Instant Transfers" to bank accounts free rather than charging a percentage of each transaction, then it would make this very attractive, and I could see myself actually using it. There is no reason to charge a fee for instant transfers, the transactions do not cost Apple or Google anything, and it only rips off the consumers. Free Instant Transfers to linked bank accounts would get my attention, and would make it much easier to use this service. Are you listening, Google??? Apple???

Leaked images obtained by TechCrunch show that Google is developing its own debit card offering in partnership with banks in the United States.

The debit card would be available in both virtual and physical formats for making purchases. The leaked screenshots reveal that users would be able to add or remove funds from the card after connecting a bank account, with a fingerprint and PIN for account security. Users would also have a virtual card number and CVC code for online or in-app payments.

As a debit card, the so-called Google Card would not be a full-fledged Apple Card competitor, but it would have many similarities. Google's card would be more similar to the Apple Cash card, which is effectively a bank account-linked debit card in the Wallet app that allows users to send and receive money with Apple Pay.

The physical Google Card could look quite similar to the Apple Card based on the image above, although it might not be representative of the final design.

It is unclear when Google plans to launch its card.

Article Link: Leaked Images Reveal Google Working on Apple Cash Card Competitor

 

[dba415]

Is there a single thing Google doesn't copy?
It's embarassing to see this non-innovation from the richest tech company in the world.

Lol what a fanboyish take.

 

[Justanotherfanboy]

No it’s not. You’re just being silly. What is standing out though is the failure to define personal info being sold.

Dunno why you’re pretending (?) to be daft...

I’ve already pointed out that you’re splitting hairs. You want a pat on the back? Fine. You’re right, mister, they don’t “sell” your information per se... they MONETIZE it. Feel good now?
Your information isn’t being sold... yay!!!!
Oh, but everything gathered about you (now the date, time, location, amount you spend, & what on) is used to make you personally MUCH more valuable to Google. As I attempted to explain to you: ads like for cellphone accessories on a tech website are mildly targeted, and have some menial cost... whereas, a precise profile of one’s purchases with literally every single bit of ancillary info possible (how long between the 1st web search and the final purchase, how far did they drive to purchase the product, did they decide on the cheapest or the highest end, etc) has gotta be a holy grail to advertisers!

It’s bizarre to me that anyone would give that much info to an advertiser for literally nothing.
I get people selling their privacy for a “free” service... but in this case: ummm, Google isn’t going to pay off your balance for you- why again would you want to help them monetize on you more?? I guess if you’re a hella large stakeholder you may be excited that the most important and significant pieces of information possible for an advertiser to posses can now finally be at their disposal. I get why that would be exciting for the data miner/advertiser... but I guess I’m just not as into ads as you are! I don’t see why a consumer would welcome this. I’d personally eschew it. I prefer privacy. Call me crazy.

 

[MacAddict1978]

Is there a single thing Google doesn't copy?
It's embarassing to see this non-innovation from the richest tech company in the world.

Really unfair statement. Apple is kind of the copy cat king. I’m hard pressed to think of one thing aside from the newton that Apple actually created from scratch. Apples approach to what they copy yields better products and experiences usually. Google copies but also innovates new ideas too. They’ll make 9 version of said new idea and sunset them all but they at least do it.

 

[russell_314]

Hey Google, here is my social security number, date of birth, mother's maiden name, address, who do I work for, which city was I born in, etc...
Go ahead and sell those information.

Sadly some people won't have a problem with that. It's their choice though
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Really unfair statement. Apple is kind of the copy cat king. I’m hard pressed to think of one thing aside from the newton that Apple actually created from scratch. Apples approach to what they copy yields better products and experiences usually. Google copies but also innovates new ideas too. They’ll make 9 version of said new idea and sunset them all but they at least do it.

What did Google "innovate" that is still a viable product. Yes they have Google search and some awesome data mining tech but actual products for the consumer.

 

[H2SO4]

Anyone who is following Apple and Tim Cook and has watched Apple's actions, will notice issues related to privacy are being addressed in a very timely fashion. Having Apple talk out of both sides of their "mouths" as you suggest would severely embarrass Apple.

Therefore I don't buy your view that Apple is acting in a deliberate underhanded manner and is purposefully disingenuous to its' customers. Of course it's always possible, anything is possible.

As far as being buried in the TOS, there is no other way for Apple to communicate with it's customers it's policies. So either one reads the documentation themselves or rely on "good sports" within the internet world to do the same and communicate the findings.

And of course, this IS your opinion (as you can't prove it's true and probably nobody on MR can prove it's false), I just don't ascribe to it.

Well we'll agree to disagree. There are plenty of examles.
The battery scandal was one of the most recent ones. Seriously;
Do you really think that they didn't expect people to question it?
Do you really think they thought not being open about it was the best way?
Do you really think the choice to disclose actions was not brought up at board level meetings, (not in those exact words)?
Do you really think they were unaware that staff were telling people to buy new phones instead of new batteries, (as it was all over the internet and their own forums)? By the way the way they've set up the forums is genius. They say it's not official apple help on there as it helps to distance themselves from potential problems due to bad advice but you know it's moderated by Apple employees.

If you know of a single instance where Apple covered something up then my point is made. I'm not for a second suggesting that they are the only ones but this, "Oh google sell your eye colour and inside leg measurement and Apple are the Angel of light", is just boring incorrect crap now.

This is them being disingenuous. Yes folks, Tim Cook et al have the capacity to be naughty also.

 

[I7guy]

Well we'll agree to disagree. There are plenty of examles.
The battery scandal was one of the most recent ones. Seriously;
Do you really think that they didn't expect people to question it?
Do you really think they thought not being open about it was the best way?
Do you really think the choice to disclose actions was not brought up at board level meetings, (not in those exact words)?
Do you really think they were unaware that staff were telling people to buy new phones instead of new batteries, (as it was all over the internet and their own forums)? By the way the way they've set up the forums is genius. They say it's not official apple help on there as it helps to distance themselves from potential problems due to bad advice but you know it's moderated by Apple employees.

If you know of a single instance where Apple covered something up then my point is made. I'm not for a second suggesting that they are the only ones but this, "Oh google sell your eye colour and inside leg measurement and Apple are the Angel of light", is just boring incorrect crap now.

This is them being disingenuous. Yes folks, Tim Cook et al have the capacity to be naughty also.

I agree. Let's agree to disagree.

I think that example is a low-bar of a mistake, yes mistake. I'm not an all or nothing person, who throws the baby out with the bathwater. Nor do I think if Apple made a mistake like this, then they go on to do worse and worse things.

But, it's your opinion and my opinion and Apple will do what they do. Since there is much under the covers we don't see, I hope they are doing the right thing, but I suppose some assume they are doing the wrong thing and just covering up.

Glass half full or empty, I suppose.

 

[H2SO4]

I agree. Let's agree to disagree.

I think that example is a low-bar of a mistake, yes mistake. I'm not an all or nothing person, who throws the baby out with the bathwater. Nor do I think if Apple made a mistake like this, then they go on to do worse and worse things.

But, it's your opinion and my opinion and Apple will do what they do. Since there is much under the covers we don't see, I hope they are doing the right thing, but I suppose some assume they are doing the wrong thing and just covering up.

Glass half full or empty, I suppose.

It's a low bar example that proves the point. There is much under the covers yes. But I'm pretty sure that realistically you know they make some dodgy decisions as does everybody and you'd be naive to think otherwise.

Apple KNOW that the regulations are looser in other countries and that's one of the reasons they are out there. All businesses do. There are a lot of things that happen at board level that are effectively ignored because it opens up such a can of worms.
I've been there, not for Apple of course. There are times when a job needs doing and rather than go through the paperwork and procedure they just sub it out. It means they can turn a blind eye to what was hazardous/illegal/expensive/unethical as someone else will do it.
If you think that kind of thing doesn't happen I'm gonna go out on a limb and say you've never been at board level in a big company. I have.

I would hope they are doing the right thing also but the holier than thou thing is just tired. It happens everytime google is mentioned but I wouldn't mind betting a lot of those people still use one or more of Google Search, maps, docs etc. The same people that repeat ad nauseum that Google are selling them but can't actually point to what it is they are selling about them, to whom, when or where.

 

[mandolindan]

I do not like to say it this way, but this seems offensive that they
are working on getting our financial information.

 

[I7guy]

It's a low bar example that proves the point. There is much under the covers yes. But I'm pretty sure that realistically you know they make some dodgy decisions as does everybody and you'd be naive to think otherwise.

Apple KNOW that the regulations are looser in other countries and that's one of the reasons they are out there. All businesses do. There are a lot of things that happen at board level that are effectively ignored because it opens up such a can of worms.
I've been there, not for Apple of course. There are times when a job needs doing and rather than go through the paperwork and procedure they just sub it out. It means they can turn a blind eye to what was hazardous/illegal/expensive/unethical as someone else will do it.
If you think that kind of thing doesn't happen I'm gonna go out on a limb and say you've never been at board level in a big company. I have.

I would hope they are doing the right thing also but the holier than thou thing is just tired. It happens everytime google is mentioned but I wouldn't mind betting a lot of those people still use one or more of Google Search, maps, docs etc. The same people that repeat ad nauseum that Google are selling them but can't actually point to what it is they are selling about them, to whom, when or where.

No, it's a low bar example that proves a company can make a mistake vs some conspiracy theory of being underhanded by forcing people to buy new phones via planned obsolescence. In my opinion a mistake doesn't constitute some bar of other hidden nefarious activity. Baby out with the bath water.

You are assuming and you know the old adage what happens when you assume? And additionally, you know what gets more tiring than these types of discussions, it's the guilty because they are big and powerful thing and can do whatever they want.

Horses for courses.

 

[zinacef]

I would hope they are doing the right thing also but the holier than thou thing is just tired. It happens everytime google is mentioned but I wouldn't mind betting a lot of those people still use one or more of Google Search, maps, docs etc. The same people that repeat ad nauseum that Google are selling them but can't actually point to what it is they are selling about them, to whom, when or where.

Okay Mr. Sulfuric Acid, not to prove that they’re selling data but to show that privacy is not a concept with which Google takes seriously unlike Apple.

Privacy concerns with Google - Wikipedia

en.m.wikipedia.org

 

[H2SO4]

Okay Mr. Sulfuric Acid, not to prove that they’re selling data but to show that privacy is not a concept with which Google takes seriously unlike Apple.

Privacy concerns with Google - Wikipedia

en.m.wikipedia.org

Not to take seriously is relative. Regardless, I'm waiting for Russell whatever his name is to validate his claim;
the company that specializes in selling personal information

 

[mi7chy]

Potential major difference is Google card will support contactless payment which is of benefit with COVID-19 and avoiding touching publicly used surfaces while Apple card isn't contactless. Now I'm interested.

 

[Solomani]

Dunno why you’re pretending (?) to be daft...

I’ve already pointed out that you’re splitting hairs. You want a pat on the back? Fine. You’re right, mister, they don’t “sell” your information per se... they MONETIZE it. Feel good now?
Your information isn’t being sold... yay!!!!
Oh, but everything gathered about you (now the date, time, location, amount you spend, & what on) is used to make you personally MUCH more valuable to Google. As I attempted to explain to you: ads like for cellphone accessories on a tech website are mildly targeted, and have some menial cost... whereas, a precise profile of one’s purchases with literally every single bit of ancillary info possible (how long between the 1st web search and the final purchase, how far did they drive to purchase the product, did they decide on the cheapest or the highest end, etc) has gotta be a holy grail to advertisers!

It’s bizarre to me that anyone would give that much info to an advertiser for literally nothing.
I get people selling their privacy for a “free” service... but in this case: ummm, Google isn’t going to pay off your balance for you- why again would you want to help them monetize on you more?? I guess if you’re a hella large stakeholder you may be excited that the most important and significant pieces of information possible for an advertiser to posses can now finally be at their disposal. I get why that would be exciting for the data miner/advertiser... but I guess I’m just not as into ads as you are! I don’t see why a consumer would welcome this. I’d personally eschew it. I prefer privacy. Call me crazy.

In Soviet Google, Product is YOU! 😆

 

[MisterSavage]

Potential major difference is Google card will support contactless payment which is of benefit with COVID-19 and avoiding touching publicly used surfaces while Apple card isn't contactless. Now I'm interested.

But isn't the point to use Apple Pay everywhere and just use the Apple Pay card when it's not available? I hate pulling cards out of my wallet when I can just pay with my watch.

 

[kmann1983]

Is there a single thing Google doesn't copy?
It's embarassing to see this non-innovation from the richest tech company in the world.

I mean, there's very few companies where the original idea didn't come from somewhere else.
Tablets similar to iPad where thought of by Microsoft, and even shown off, WELLLLL before the iPad.
Same with iPhones.

The only thing Apple has been doing better than others is choosing to take the road of polish instead of the road of new features.

Android, for example, usually has features years before iPhone users get them (e.g. FaceID).

Xerox would like to have a word with you too.

I believe it was Firefox that came out with tabbed browsing first. Are you aware of any modern browsers without tabbed browsing now?

For us, here, the goal should be to have competitors push each other for us to win.

I'm ALL FOR better transaction tech. I can't use Apple Pay everywhere -- they have to support contactless payments. Perhaps, one day, Apple can copy Samsung for their magnetic strip tech that's in Android so this wouldn't be a problem. OR something newer or better will come along.

 

[zinacef]

Potential major difference is Google card will support contactless payment which is of benefit with COVID-19 and avoiding touching publicly used surfaces while Apple card isn't contactless. Now I'm interested.

I think Apple designed it that way with the intention that you’d primarily use your iPhone for the contactless payment transactions versus using the card itself.

 

[Baymowe335]

I mean, there's very few companies where the original idea didn't come from somewhere else.
Tablets similar to iPad where thought of by Microsoft, and even shown off, WELLLLL before the iPad.
Same with iPhones.

The only thing Apple has been doing better than others is choosing to take the road of polish instead of the road of new features.

Android, for example, usually has features years before iPhone users get them (e.g. FaceID).

Xerox would like to have a word with you too.

I believe it was Firefox that came out with tabbed browsing first. Are you aware of any modern browsers without tabbed browsing now?

For us, here, the goal should be to have competitors push each other for us to win.

I'm ALL FOR better transaction tech. I can't use Apple Pay everywhere -- they have to support contactless payments. Perhaps, one day, Apple can copy Samsung for their magnetic strip tech that's in Android so this wouldn't be a problem. OR something newer or better will come along.

Who really cares though? Implementation and software are all that matter.

 

[ct2k7]

Is there a single thing Google doesn't copy?
It's embarassing to see this non-innovation from the richest tech company in the world.

Google Wallet existed before Apple Card
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A pre-paid card would not offer much benefit. With a credit card you are atleast getting access to a line of credit and often, better consumer protection.
I honestly think Google would struggled to gain people from the likes of PayPal if all they are offering is a pre-paid card.

In my opinion, they and Apple should both open their own fin tech bank. Both companies would easily be able to finance the launch or purchase of one.
They might see a problem in traditional banks no longer accepting Apple Pay/Google Pay as they are a competitor, but they would both see a vast increase in customers.

Fintech banks like Starling and Monzo in the UK, both work very well and are largely superior to traditional high streets banks in many areas.
As it happens, in my opinion it’s the North American markets that are crying out for these challengers banks to disrupt the market.

Monzo are in the US now I think