Author Archives: Caesar Sengupta

Google Pay reimagined: pay, save, manage expenses and more

“Credit cards... rent… Wait. Did we pay the babysitter? We need to buy Max a new collar and order the turkey. I wish I knew how much we spent on groceries last month. Where’s the receipt for those shoes I need to return?”

Staying on top of payments and finances isn’t easy for the best of us. For the past five years, Google Pay has simplified payments online, in store and between friends. Now, more than 150 million people in 30 countries use Google Pay every month. 

Today we're taking an important step forward in our quest to make money simple, secure and helpful. Starting in the U.S., we're launching a redesigned Google Pay app on Android and iOS. The new app is designed around your relationships with people and businesses. It helps you save money and gives you insights into your spending. It’s built with multiple layers of security to keep your money and information private and safe. And in 2021, it will give you the chance to apply for a new kind of digital bank account with trusted financial institutions.

New Google Pay interface

Pay friends and businesses, explore offers and get insights on your spending.

A payment experience designed around relationships

Instead of showing a stack of cards or a long list of transactions, the new Google Pay app focuses on the friends and businesses you transact with most frequently. You can pay, see past transactions and find offers and loyalty info—all organized around conversations.

How you can see past transactions in Google Pay

If you need to split dinner, rent or other expenses with more than one person, you can create a group, split the bill, and keep track of who’s paid in a single place. Google Pay will even help you do the math on who owes what. 

You can also use Google Pay to order food at over 100,000 restaurants, buy gas at over 30,000 gas stations and pay for parking in over 400 cities, all from within the app—and more easy ways to pay are coming soon.

Save and organize your money

Google Pay can also help you save money and redeem offers without the hassle of clipping coupons or copying and pasting promo codes. Look out for offers from brands like Burger King, Etsy, REI Co-op, Sweetgreen, Target, Warby Parker and more in the app. You can activate them with a tap, and they’ll be automatically applied when you pay in store or online.

An example of $5 cash back from Target

If you choose to connect your bank account or cards to Google Pay, the app will provide periodic spending summaries and show your trends and insights over time—giving you a clearer view of your finances. 

Google Pay can also understand and automatically organize your spending. This lets you search across your transactions in new ways. For example, you can search for “food,” “last month,” or “Mexican restaurants” and Google Pay will instantly find the relevant transactions.

How you can search your transactions within Google Pay

A safer way to pay

It’s important that your money and private information are safe and in your control. Google Pay alerts you when you might be paying a stranger, protects you with advanced security, and gives you transparency and control to choose the privacy settings that are right for you. You can change these settings at any time.

And when you sign up for Google Pay, you choose whether you’d like to use your transaction history to personalize your experience within the app. That setting is off by default, but you can turn it on or try it for three months to see if you like it. At the end of three months, you can decide if you want to keep it on or off.

Most importantly, Google Pay will never sell your data to third parties or share your transaction history with the rest of Google for targeting ads.

Privacy and security settings within Google Pay

Coming soon—a new way to bank

People do almost everything on their phones today, but for many, the way they save, pay and engage with their bank has remained unchanged.

That’s why we’re working with trusted financial institutions to create Plex, a new mobile-first bank account integrated into Google Pay. Plex Accounts are offered by banks and credit unions, include checking and savings accounts with no monthly fees, overdraft charges or minimum balance requirements and help you save toward your goals more easily.

Plex account within Google Pay

Starting in 2021, 11 banks and credit unions, including minority-owned depository banks, in the U.S. will start offering Plex Accounts in Google Pay. In the meantime, you can join the waitlist on the app and be one of the first to apply for a Plex Account from Citi or SFCU.

So that’s the new Google Pay—a safe, simple and helpful way for you to pay and manage your finances. Get started by downloading it on Google Play or the App Store today.

Building a more inclusive internet, beyond COVID-19

Between 2015 and 2020, more than 1.5 billion people began using the internet for the first time. Another billion more are set to join them online by 2025.

Most of these new internet users come from Asia, Latin America and Africa. They experience the internet differently from those who came before them—connecting on their phones and adopting new apps and tools incredibly quickly.  More and more, it’s their needs and ideas that are shaping the future of technology, in areas from financial inclusion to language translation

Today, though, new internet users face their biggest challenge—the impact of COVID-19. How we help them get through it will go a long way towards ensuring the recovery from the pandemic is inclusive and sustainable. 

A half-decade of change  

Without question, the internet is more accessible and democratic than it was in 2015. Data costs have plummeted, helping the number of smartphone owners reach more than three billion people. The proportion of non-English speakers using the internet has reached three quarters of the global total, and people around the world are increasingly using video and voice as their tools to find information and services online.

The changing digital landscape 2015-2020
New users trends 2015-2020

For Google, our work building for new users has helped us build better for everyone. Since we launched the Next Billion Users initiative five years ago, it’s led to breakthroughs we wouldn’t otherwise have made—from offline modes in YouTube and Maps, to AI that can help kids read in multiple languages, apps that protect privacy on shared devices, and the new user experience in Google Pay (first launched  in India and soon coming to the rest of the world). We’re also sharing open-source tools and guidelines to help others, because we know that supporting new users is a shared goal.

Google NBU product launches

Over the past-half decade, the technology industry has made meaningful progress in closing digital divides, helping millions more people a week share in the benefits technology creates. Yet as the pandemic increases the importance of technology in our lives, work, education and health, the risk is that this progress will slow or, worse, reverse. 

The impact of COVID-19

We asked new internet users how the coronavirus has affected them, and many told us it’s added to pressures they already face. At a time when essential services are increasingly moving online, it’s becoming harder and harder for new users to access the internet in the first place.  

The combination of fewer jobs, lower income and higher prices means they’re forced to ration their data. Food and shelter have to take priority—and with more people at home, even when data is available, it tends to be spread thinly across multiple family members.  

On top of that, a lack of digital literacy means new users often struggle to take advantage of government financial aid, community resources or schooling. And when it comes to the virus itself, many are finding it hard to separate fact from misinformation, or to find reliable healthcare options.

Not surprisingly, all this is taking a toll on new internet users’ sense of emotional wellbeing, interrupting their support systems and forcing them to put some of their aspirations on hold. 

Impact of COVID-19 on new users

How we help new users from here: economy, education, ecosystem

Countering the impact of the virus by helping new users through and beyond COVID should be a priority for industry, governments, international organizations and nonprofits.

First, we have to make sure new users have easy-to-use tools that meet their immediate economic needs.

We recognise Google’s responsibility in this. Apps like Kormo Jobs in Bangladesh, India and Indonesia — which connects people to entry level jobs—are already playing a role helping people find work. In the coming months, we’ll be experimenting with a new Google product that can provide additional earning opportunities through crowdsourcing, recognising that for most new internet users, protecting income is the first priority. 

Second, we have to increase our focus on education—helping new users better understand online information and services, and adapt to deeper changes like the rise of online education. 

Grassroots, nonprofit-led literacy initiatives like those Google.org is supporting in Southeast Asia are important steps in the right direction. So too are the Google News Initiative’s partnerships throughout Latin America, and Grow with Google’s global programs like Be Internet Awesome, which promotes online safety and confidence for kids. It’s critical that we build on these programs in the aftermath of the pandemic. 

Third, we have to keep building a supportive ecosystem around new users. We should aspire for every organization that owns or builds technology to prioritize inclusion.

Too often, the responsibility for helping new users get online falls to ‘informal teachers’, the friends and family around them. Initiatives like the Design Toolkit for Digital Confidence show how we can begin to change that, equipping technology-makers to build tools that are intuitive for everyone, no matter what their circumstances.

Finally, we have to keep advancing the work that led Google to create the NBU initiative in 2015: ensuring the internet and the devices and the tools it supports are helpful and accessible to more people, in more languages and more ways (including for those living with disabilities). 

COVID-19 is a challenge for everyone, and it’s hitting new internet users especially hard. But if governments, businesses and civil society organizations work together, we can and should make the internet better and more inclusive in the post-COVID world, for the billions online today, and the next billion to come.


Young coders are shaping Singapore’s future

You’re never too young to take up coding—just ask 10-year-old Sephia Rindiani Binte Andi. Sephia only took up coding a year ago, and sharpened her skills so quickly she created an online game shortly after. The game challenges players to navigate their way out of a maze (I admittedly kept getting lost). Today, Sephia continues dabbling in code at home with the help of her mom, Kamzarini.  


Sephia is a graduate of Code in the Community, a program that brings coding classes to young Singaporeans from less affluent backgrounds. The grassroots initiative is run by local education organizations like Saturday Kids and 21C Girls, with the help of more than 1,000 volunteers and the backing of Google and Singapore's Infocomm and Media Development Authority (IMDA). 


Since 2017, Code in the Community has reached more than 2,000 Singaporean students. And this week, we’re proud to announce that Google will provide a new grantto help expand the program for another three years.   


Together with a matching grant from IMDA, the new funds mean two things: First, they’ll allow the program to bring basic coding classes to 6,700 more kids by 2022.  Second, they’ll support new courses for the 2,300 existing graduates—encouraging talented young students like Sephia to apply what they’ve learned and explore new concepts like design thinking.  

We hope Code in the Community will shape Singapore’s future as a smart nation, growing the city-state’s $12 billion internet economy—one of the most advanced in Southeast Asia—with new jobs and opportunities. 


As a Singaporean myself, I’ve found it incredibly inspiring to see the way local communities have come together to make technology real, accessible and fun for children. I can’t wait to see what the next generation of graduates do as they develop their skills and go wherever their imagination takes them. 


Young coders are shaping Singapore’s future

You’re never too young to take up coding—just ask 10-year-old Sephia Rindiani Binte Andi. Sephia only took up coding a year ago, and sharpened her skills so quickly she created an online game shortly after. The game challenges players to navigate their way out of a maze (I admittedly kept getting lost). Today, Sephia continues dabbling in code at home with the help of her mom, Kamzarini.  


Sephia is a graduate of Code in the Community, a program that brings coding classes to young Singaporeans from less affluent backgrounds. The grassroots initiative is run by local education organizations like Saturday Kids and 21C Girls, with the help of more than 1,000 volunteers and the backing of Google and Singapore's Infocomm and Media Development Authority (IMDA). 


Since 2017, Code in the Community has reached more than 2,000 Singaporean students. And this week, we’re proud to announce that Google will provide a new grantto help expand the program for another three years.   


Together with a matching grant from IMDA, the new funds mean two things: First, they’ll allow the program to bring basic coding classes to 6,700 more kids by 2022.  Second, they’ll support new courses for the 2,300 existing graduates—encouraging talented young students like Sephia to apply what they’ve learned and explore new concepts like design thinking.  

We hope Code in the Community will shape Singapore’s future as a smart nation, growing the city-state’s $12 billion internet economy—one of the most advanced in Southeast Asia—with new jobs and opportunities. 


As a Singaporean myself, I’ve found it incredibly inspiring to see the way local communities have come together to make technology real, accessible and fun for children. I can’t wait to see what the next generation of graduates do as they develop their skills and go wherever their imagination takes them. 


The next billion users are the future of the internet

In the late 1990s, I moved from Delhi to Stanford for a master’s degree in computer science. Getting off the plane in San Francisco, I was ecstatic about the amazing computing power, lightning-fast internet and easy access to knowledge available at an American university. Back home, most people across Asia could only get online at an internet café or over dial-up modems, and internet speeds weren’t great. Computing power was still a luxury.


Today more than 3 billion people, more than half of them in Asia, own smartphones—devices many times more powerful than those top-of-the-line workstations at Stanford I was so excited to use. But despite this huge shift, many of us in the tech industry often find ourselves stuck in a previous way of thinking, where we assume that “computing” is something that starts with the privileged few in places like Silicon Valley and trickles down slowly to everyone else.


This isn’t just an old idea, but one that has become completely wrong.


The future of the internet is in the hands of the next billion users—the latest generation of internet users to come online on smartphones in places like Brazil, China, India, Indonesia and Nigeria. As time goes on, the average internet user will be more like these “next billion users” than the first billion who started on PCs. That means we need to look not at Silicon Valley or London but to places like Sao Paulo, Bangalore, Shanghai, Jakarta and Lagos to truly understand where the internet is going.


The next billion users are already changing the internet in three key ways: a mobile-only mindset, an instinct for ubiquitous computing, and a demand for localized content.


First, let’s start with the mobile-only mindset. Most of the next billion users have never used a PC and may never use one. They don’t think of the internet as something you access with a mouse and a keyboard. A computer is not a terminal where you type in queries. A computer is a smartphone, and it also doubles up as a television, a wallet, a classroom, and a portal for government services. Their expectations on how mobile apps should work is also completely different. When building our India-first, mobile payment app Tez, for example, we focused the app around “people and conversations” rather than the financial features, to reflect familiarities with chat apps. All successful global apps in the future will need to speak the universal design language of people who grew up on mobile phones rather than PCs.


This brings me to the second point: ubiquitous computing. This means having natural interactions with a computer that can hear, see and understand—for example, asking “Do I need an umbrella today in Delhi?” rather than typing “Delhi weather forecast.”


Because the breakthroughs that make ubiquitous computing possible rely on cutting-edge work in artificial intelligence, we tend to think that advances will start in the most prosperous parts of the world and expand from there. But we’ve found with the Google Assistant, for example, that the next billion users adopt cutting-edge technology astonishingly quickly. Since we launched the Google Assistant on the first feature phone in December, the Reliance JioPhones, usage of the Assistant in India has grown six times over the past four weeks. This isn’t just due to many semi-literate or illiterate users, but also the fact that typing is difficult for people who never grew up with a computer keyboard. The next billion users will be the first to truly embrace ubiquitous computing, expecting apps to work in a natural way rather than having to learn all the artificial commands that we did on PCs.


Which brings me to the third way the internet is changing: local languages. There are estimates that web content is more than 50 percent English. Hindi, the #4 language in terms of global speakers, is not even in the top 30 languages for web content. And in countries like India, the generation coming online now is more comfortable in their native language than in English, and so language can be a big blocker to expanding internet access.


You should not have to learn English to use the internet. The next billion users expect more content in their languages. And video is turning out to be the medium where they create and enjoy this content. Anyone can turn on a camera, share stories in their own tongue, and find huge audiences online. YouTube has seen an explosion of non-English content, such as the Telugu film channel TeluguOne, with 1.8 billion views. Going forward, we believe the demand for local content will reverse the language imbalance, leading to an internet more inclusive of the entire world’s language diversity.


At Google, we build technology with these three insights in mind—and we find that they don’t just help the next billion users, but the first billion as well. For example, the Google Maps team built Maps Offline for motorists in India who could not afford the data for navigation while they drive, but now the feature is used across the world, from commuters going through lots of tunnels to tourists visiting a new country.


For a long time, we talked of a “responsibility” to make our technology work for the next billion users. But as the internet follows their lead, serving people in India, Indonesia, Brazil and Nigeria has become necessary for companies that want to stay at the cutting edge of consumer innovation, and the future. The next billion users are not becoming more like us. We are becoming more like them.

Investing in Indonesia

With more than 133 million people online, Indonesia is home to the fifth largest population of internet users in the world. And amazingly, Indonesia’s online journey has just gotten started — Indonesians continue to embrace the internet rapidly and half of Indonesia’s population has yet to connect to the internet. 

Indonesia already has a thriving internet economy and a bustling startup scene, home to four of Southeast Asia’s eight “unicorns,” but we’d like to do more to help supercharge and grow with it. So, to help Indonesians build the next great startup, we’ve already trained nearly 60,000 Indonesians on mobile app development, toward our goal of reaching 100,000 developers by 2020. And to help more Indonesian small businesses tap into the power of the internet, our Gapura Digital initiative has trained more than 40,000 small business owners in 10 cities, with more cities to come. 

To help all Indonesians access information and get things done, we continue to work on products and features with Indonesians in mind. Indonesia was the second country globally to get Google Station, our product to deliver high-quality public Wi-Fi with local partners. We have also designed products to work for Indonesians. YouTube Go helps Indonesians watch their favorite videos even with poor connectivity. And most recently, Indonesia was one of the first two countries in the world to get our new app, Google Go, which makes searching the internet faster and simpler for Indonesians on slow connections. 

But there is still more we can do to support and participate in Indonesia’s growth. That’s why we’ve invested in one of Indonesia’s leading startups, GO-JEK. GO-JEK is led by a strong Indonesian management team and has a proven track record of using technology to make life more convenient for Indonesians across the country. This investment lets us partner with a great local champion in Indonesia’s flourishing startup ecosystem, while also deepening our commitment to Indonesia’s internet economy.

By investing in local companies, building locally relevant products and training local talent, we hope to see more amazing local champions like GO-JEK emerge in Indonesia. As always, we’re driven and inspired by our users and partners and are always on the the lookout for more opportunities to support them. Terima kasih dan sampai jumpa lagi.

Google for India: Building India-first products and features

The internet in India has undergone an incredible transformation. This year India crossed the 400 million internet user mark. And Indians are using more data than ever before—4GB on average every month, projected to grow to 11GB per month in the next four years. Cheaper data through carrier innovation and greater access to public WiFi such as Google Station makes the richness of the internet more accessible to Indians. And as a result, they’re spending more time watching their favorite videos and less time worrying about the cost of data.


With so many internet users hungry to do even more online, we’ve been working to build new products and features specifically for India. At our third annual Google for India event, in Delhi today, we announced some of these updates. Here's a look:


A better entry-level smartphone experience with Android Oreo (Go edition)

Android Oreo (Go edition)—a new smartphone experience for entry-level devices—is available to the Android ecosystem of developers, partners and carriers as part of today’s release of Android 8.1. Oreo devices with 512MB to 1GB of RAM will get all the optimizations that come with Android Oreo (Go edition), including a better performing OS with built-in data management features and security benefits. There is also a new set of pre-installed Google apps, including Google Go and the Google Assistant for Android Oreo (Go edition), designed to be lighter and more relevant to the unique needs of the next billion users. Android Oreo (Go edition) smartphones also come with a version of the Google Play Store that allows people to download any app, while highlighting the apps designed to work best on Go edition devices.


Our partners’ phones running Android Oreo (Go edition) will hit shelves in early 2018.

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Google Go, a new app from Google Search

One of the core apps designed for Android Oreo (Go edition) is Google Go, a new app from Google Search. Available today as a preview on the Google Play Store in India and Indonesia, Google Go is tailor-made for the millions of people in those countries coming online for the first time. It’s simple to use and fast even on entry level devices and spotty connections, making discovering, sharing and finding content easier and more reliable.


Google Go has three special features that meet the needs of users who are new to the internet. First, typing on a small device can be slow and cumbersome, and people may not know what to look for online, so Google Go’s tap-first user interface helps them better express themselves, explore new ideas, find things to share and guide them around the web. Second, Google Go is light on storage and data, and great on patchy connections. It’s less than 5MB to download, and search results in Google Go are optimized to save up to 40 percent data. Third, it’s very easy to switch and see answers in another language, for example, between Hindi and English.


Free up space on your phone with Files Go

Files Go is a new app that helps free up space, find files faster and share files offline with people nearby. In tests over the last month, the average user saved 1GB of space. Files Go was built from scratch for Go edition devices, and today the official version launched on the Google Play Store. Learn more about Files Go in this post.

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The Google Assistant for the JioPhone

A special version of the Google Assistant—the Google Assistant for the JioPhone, built for India in both English and Hindi—is launching today. This will help bring the benefits of the Google Assistant to millions of first time internet users on the JioPhone with an intuitive voice-based user interface, along with a rich set of data services. The Assistant can help make phone calls, text, play music and videos, navigate and search the internet, and access other apps and services.


Two-wheeler mode in Google Maps comes to India first

Another India-first feature is the new “two-wheeler mode” in Google Maps. India is the largest two-wheeler market in the world, and the millions of motorcycle and scooter riders have different navigation needs than drivers of automobiles. Two-wheeler mode in Maps shows trip routes that use “shortcuts” not accessible to cars and trucks. It also provides customized traffic and arrival time estimations. And since so many Indians rely on local landmarks for navigation, two-wheeler mode will show major landmarks on the route so that riders can plan their trip before starting, and don’t have to keep checking the phone on the go.


Two-wheeler mode is launching in India today, to be followed by more countries in the coming months.


Tez momentum and new features

Our India-first mobile payments app Tez has seen huge growth in its first 10 weeks. Tez has processed over 140 million transactions from nearly 12 million active users. There are more than 525,000 merchants already on Tez, using it to take payments, pay their suppliers or transfer money to employees. And Tez isn’t just being used in India’s top metros—in fact, we’ve seen Tez users from Kashmir to Kanyakumari, from towns in Arunachal Pradesh to the villages of Gujarat.


In the coming weeks, Tez will start rolling out a customized experience to pay bills right in the app. More than 70 billers will be supported, including utilities and direct-to-home service providers. Once people pay a bill on Tez, they never have to add the billing organization again. Tez will also remind users when certain bills are due. And they can avoid paying the same bill twice, since the payment status will be automatically updated.


And since payments aren’t simply transfers of money, but often, personal exchanges for meaningful occasions, we’re adding fun animated moments that trigger when a certain word or phrase appears in the message with the payment, such as “hello” or “India.”



We hope this suite of products and features helps more people discover how the internet makes life easier and more convenient for Indians—whether it’s helping pay bills on time, navigating the quickest route to a destination or searching for answers to important questions.


These products and features are India-first, but if we’ve seen anything over the last few years, India-first ideas aren’t just useful to people in India. The mobile-first next billion users are changing the very nature of the internet, and so when we build better products for India, we ultimately build better products for everyone—and for the future.

Ready, set… Files Go! A faster way to clean up, find and share files on your phone

Every day, millions of smartphones run out of space. While phones with 16GB or 32GB of storage are becoming more popular, many phones around the world have much less storage, often as low as 4GB. And with the barrage of images, videos, apps and documents that keep piling up, at some point it becomes a mess—it's hard to find what you need when you need it, and your phone slows down and starts crashing. We all eventually reach that point where we have to choose what to keep or delete.


That’s why we’re excited to introduce Files Go, an app that takes a mobile-first approach to freeing up space, finding files faster and easily sharing them with others.

FilesGoScreen

Free up space on your phone and find files faster

Files Go helps you:

  • Free up space. Get personalized suggestions about which files to delete, whether it’s unused apps, large files, duplicate files or low-resolution videos and memes detected using Google’s latest mobile vision technology

  • Find files faster. No more navigating through a maze of folders. Find exactly the stuff you want with smart filters that automatically organize your images, videos, apps, documents and more.

  • Backup files to the cloud. If you want to keep a file forever, select it from the Files menu and back it up to Google Drive or any other cloud storage app.

  • Share files offline. Transfer directly from your phone to a nearby friend’s phone without using any data. The file transfers are encrypted, fast (up to 125 Mbps) and free.

FilesGoAnimation
Transfer files securely between two phones, fast and data-free

We’ve been testing Files Go for a month, and the average user is saving 1GB of space and has shared many files with others without using data. Starting today, we’re opening up Files Go globally on the Google Play Store for all phones running Android 5.0 (Lollipop) and higher. Free up more space and share files faster—give Files Go a try!

Files Go video

Meet Datally, a new way to understand, control and save mobile data

Mobile data is expensive for many people around the world. And what’s worse, it’s hard to figure out where it all goes. That means you're never just chatting, playing games or watching videos on your phone—you're also anxiously keeping an eye on how long your data will last.

That’s why we built Datally, an app that helps you understand, control and save data. With Datally, you can save more and do more with your data.

Datally lets you understand, control and and save mobile data

Understand, control and and save mobile data with Datally

Datally helps you do three things:


  • Understand your data. See your usage on a hourly, daily, weekly or monthly basis and get personalized recommendations for how you can save more.

  • Control your data. Turn on the Data Saver bubble to block background data usage and track real-time data usage while using each of your apps—it’s like a speedometer for your data. You can also block data with one tap if an app’s data usage gets out of control.

  • Save your data. Sometimes you just need a little more than what you’ve got on your data plan. Datally will tell you if you’re near public Wi-Fi and help you connect. Once you’re done, don’t forget to rate the network quality to help other users.
Track and control mobile data from any app with the Data Saver bubble
Track and control mobile data from any app with the Data Saver bubble

We’ve been testing Datally in the Philippines for the past few months, and people are saving up to 30 percent on their data. So today we’re excited to make Datally globally available on the Google Play Store for all phones running Android 5.0 (Lollipop) and higher.

Here’s to saving more so you can do more with your mobile data!

Introducing Tez—a mobile payments and commerce app from Google, made for India first

With more than 300 million smartphone users  and rapidly improving connectivity in India, the internet is becoming a daily part of life for many Indians. That includes messaging friends and family, searching the web for information, reading news, watching music videos, or playing games. But when it comes to paying for things—vegetables, bus fares, splitting the bill at dinner or paying on delivery for something purchased online—those smartphones often go unused. Out instead comes… wads of paper. Indians love cash.

To make digital payments truly work for India, we wanted to build a product that can compete with cash. It needs to be simple, affordable, and work everywhere and for everyone.  So today in India we’re introducing a new mobile app from Google, Tez—a simple and secure way to pay for things, big and small, online and offline. Tez is a payments and commerce app built for India first on top of the country’s Unified Payments Interface (UPI) standard.

Here are a few of the features you'll get with Tez

  • Direct, bank-to-bank payments: Tez uses UPI for instant and secure payments, directly to and from bank accounts.

  • “Cash Mode” for nearby transactions: Pay nearby without sharing your private details like bank account or phone number.

  • Tez Shield: Backed by Google’s expertise in data security, Tez works 24/7 to help detect fraud, prevent hacking, and to verify and protect the identity of every user.

  • Tez for Business: Tez for Business is a program for large and small enterprises to connect with consumers inside the Tez app to make payments, share redeemable offers, products and updates.

Introducing Tez. Created by Google, made for India first.

For more detail on Tez and its features, take a look at our India blog post.

We’re just getting started. This is the first step on the long and important journey towards enabling a cashless India—a crucial component of a Digital India.