Wouldn't that make Google Wallet to banks as Google Voice is to mobile operators?<p>I also just realized that the Wallet app doesn't require an Internet connection to make NFC payments (cf. tip at the end of <a href="http://googlecommerce.blogspot.fr/2012/08/use-any-credit-or-debit-card-with.html" rel="nofollow">http://googlecommerce.blogspot.fr/2012/08/use-any-credit-or-...</a>).