There has only been one thought: What if Google founding a bank? The tools to do so would all the Internet company: customers, technology, capital. As the shock of the financial industry could look like - a scenario.
DüsseldorfDeutsche Bank, Commerzbank, Targo-Bank, Google-Bank: Die Aufzählung ist für Kunden ungewohnt, für die Branche ein Graus – aber möglicherweise schon bald die Realität. Denn die Finanzwelt fürchtet, dass der Internetkonzern Google und seine Konkurrenten wieApple und Microsoft das Geschäft mit dem Geld aufrollen könnten.
"These companies know because of their huge data base much more about the needs of their customers will ever learn as banks, and can therefore offer services very targeted," said about Jürgen Fitschen, co-head of the powerful Deutsche Bank, "stock market newspaper ". It sounds similar to Henri de Castries, chief of the French insurer Axa: "Google knows so much about the people, so it could also offer financial services," he told the "Süddeutsche Zeitung". And behind closed doors, many bankers express even more anxious.
In fact, many customers googled first before they buy insurance or looking for a reasonably profitable fixed deposit account. Million pay with your phone already apps, music and magazines. And Google also has a license for digital banking services. So what if the Group transfers its search engine for online store remodels? Its payment system for smartphones into a mobile bank terminal rearming? And uses its large reserves to make loans?
A thought experiment about the Google-Bank - fictional, but not completely outlandish.
The announcement is confident: "This wallet you can now leave home," said Google CEO Larry Page, as he the international launch of the Google Wallet payment service announced at the developer conference Google I / O. Users all over the world to pay their Android smartphones, whether in a department store, cinema or kiosk - if the dealer has a suitable reader. So far, the group tested the solution only in some U.S. cities, but with streaky success.
In order to reach many users, Google seeks allies and partners with manufacturers and technology providers cash. In Germany, Deutsche Telekom goes into an alliance with the U.S. giant. "Intelligent pay services offer significant growth potential," said Deutsche Telekom CEO Timothy Höttges . The telecommunications company marketed the readers in its stores.
Google at the same time upgraded to the virtual wallet. Previously users were able to buy apps and music, and pay at a handful of online services.Now the company offers all the online shops at to handle their payments when users click on the "Wallet" button. After the announcement the market price of the trading platform breaks Ebay a 5 percent - investors worry that its subsidiary Paypal, which also handles online payments, lose customers. Especially since Apple wants to make the iPhone into a wallet with the service passbook.
The Google Wallet service also manages vouchers. A useful side effect: The Internet company can market a further advertising space. Customers already running ads on the search engine, with an additional offer also click on coupons.
In the terms and conditions, Google does allow you to use information on the purchases of users for targeted advertising. German privacy advocates are sounding the alarm. "The combination of the data makes the user more glass," warns Thilo Weichert, data protection commissioner from Schleswig-Holstein. Consumers lose track of what the company knew about him. In addition, he must expect that the American NSA zugreife it.Hence his advice: "Stay away from Google Wallet."
Users impressed with this little warning, however. You use the service without hesitation. Especially popular is an additional function, can transfer money within seconds with other users, provided that both sides have a Google account. Thus, for immediately after the bachelor party or visit the restaurant to settle the debt, without any change. At least as long as the battery lasts.
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