[miroljub]

The very moment it becomes possible to create a Google Pay alternative, there will be at least a dozen choices, some of them fully open source and privacy conserving.

The only reason why we don’t have them is Google / Apple duopoly.

[kelnos]

I seriously doubt that. There used to be more NFC payment apps, but most banks abandoned them since it was cheaper to just pay Google their cut through Google Pay. Or Wallet, or whatever the hell they renamed it to.

Banks letting an open source project run transactions through them... that's... hilarious.

[inigyou]

It's possible right now, but you have to (as Google did) convince all banks, merchants, and card networks to let them use your system.