According to a Google Blog entry, Android Pay now integrates with cards from Bank of America, Bank of New Zealand, Discover, mBank, and USAA. Customers of these banks don’t have to download the Android Pay app. They can use Android Pay from banking apps. Android Pay doesn’t necessarily compete with Apple Pay, as they work in two very different device dependent customer segments. However, Android Pay could easily be considered a direct competitor to Samsung Pay, which works on many Samsung Android devices. The difference here is that the Android Pay is an open platform for banks to integrate their financial services products. Perhaps the more interesting element here is the fact that users can send money directly via the Google Gmail app over the Android OS, a move that can be seen as a direct competitor to Venmo, an app that works on both Android and the iPhone iOS.

Image credit: Google