Now, Google Wallet on the other hand, came out a few years back and their goal was to stick your credit card in your phone and anywhere that had an NFC point of sale terminal, you're able to use your Google Wallet to make a payment. And so that's where they've come from as their strength and they've gone from consumer to business to consumer to consumer payments and they've really played that role of that trusted middleman to transfer money between people that have only just met. John: Well, when people think about PayPal, they were the first people in this market and PayPal was a great way that I could give my credit card details, my bank information to a party that I trust and then I could go to a website that I had never been to before and I could make a transaction with them and I could feel safe knowing that I'm not actually giving them my credit card details to go sell in another land and I'm trusting PayPal and PayPal will be the middleman for me. John, let's start with what differentiates the three. John Dunne, Vice President of Products for IR joins us today to talk about PayPal, Apple Pay, and Google Wallet.

Scott: Three big giants are vying for your wallet and it's an intense battle to be sure. Listen to more from the IR FinTech Podcast by subscribing to the blog or follow us on SoundCloud and iTunes (or all three would be even better)

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