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Google launched an overhauled U.S. model of its Google Pay app as a one-stop store for private funds and phone-based funds on Wednesday afternoon.

The brand new app is redesigned round “relationships,” that means it places the chums and companies individuals transact with most steadily entrance and heart. New options embody group funds, or the flexibility to separate bills amongst numerous people; monetary “insights” that present spending summaries to assist individuals handle their cash; and merchant-specific pages that collate reward gives, loyalty playing cards, and transactions right into a unified view.

Google additionally revealed 11 financial institution companions for a brand new cell banking product referred to as Plex, a waitlist for which it made out there Wednesday. Banks together with Financial institution Cell, BBVA, and BMO Harris will be part of already identified collaborators Citi and Stanford Federal Credit score Union to supply individuals fee-less, digital checking and financial savings accounts beginning subsequent yr.

“It was time for us to revamp the product, however 2020 additionally put a sure sense of urgency on it,” says Caesar Sengupta, Google’s head of funds. “Partly as a result of digital funds have clearly elevated dramatically. But additionally as a result of, as you’re taking a look at one of many worst financial and monetary crises we’ve seen in our dwelling historical past, this can be a time after we really feel our expertise could be of use to individuals in some small means.”

Google’s different banking companions are Coastal Neighborhood Financial institution, First Independence Financial institution, Inexperienced Dot, Seattle Financial institution, SEFCU, and the Harbor Financial institution of Maryland.

When Google debuted Google Pay in January 2018, it primarily made paying with all number of playing cards—credit score, loyalty, transit—simpler. The app joined collectively Google’s two earlier monetary tech, or fintech, or apps: Google Pockets (circa 2011), a peer-to-peer cost service, and Android Pay (circa 2015), which made “contact-less” funds potential from individuals’s telephones.

“The present app, which we designed 5 years again, was very a lot constructed across the use-case of an issue then, which was paying with playing cards,” Sengupta says. “The world has modified lots since we launched Android Pay, it’s way more cell.”

The brand new Google Pay provides money again rewards and reductions from common manufacturers, reminiscent of Burger King, REI Co-op, and Target. The app provides integrations to order meals at greater than 100,000 eating places, pay for parking in additional than 400 cities, together with Austin, Boston, and Washington, D.C., and gas-purchasing at greater than 30,000 stations, together with at Shell, ExxonMobil, Phillips 66, 76, and Conoco.

“Simpler methods to pay are coming quickly,” Google teased in a weblog publish.

Josh Woodward, director of product administration for Google Pay U.S., demoed some new options for Fortune. He confirmed off a wiser search operate that surfaced current transactions from a taco joint by looking “Mexican meals from final week.” He additionally pulled up photos of receipts containing the phrase “shirt,” collected from his Gmail and Google Images accounts.

Google says it is going to preserve individuals’s monetary data non-public. “We’re by no means going to promote your information to 3rd events, and we’re not going to share it with the remainder of Google for concentrating on,” Sengupta explains. “It’s a really clear, plain-speech dedication.” (After all, word that when you transact with retailers and retailers, be part of their loyalty applications, and take up rewards, then you definitely’re tacitly agreeing to present them your information.)

The app is so locked down that Google Pay gained’t use individuals’s transaction historical past to personalize their app expertise until individuals explicitly grant it permission. Individuals can take a look at run the personalization characteristic for 3 months earlier than deciding whether or not to greenlight it.  

Right this moment, Google Pay is out there in additional than 30 international locations and it has greater than 150 million month-to-month customers. The redesigned app is now out there on each Android and Apple telephones. Sengupta provides the options can be rolled out to different areas, together with Singapore and India, sooner or later.

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