A seamless user experience must transcend device and channel in ease of use and consistency. But making the transaction ultimately secure weighs heavily into the equation. The early Apple Pay fraud underscore this position. The problems with passwords need to be addressed for Google to be successful. Google is on the right track but would be smarter to take advantage of new biometric security solutions just as Apple Pay does. We think voice biometrics provides solutions to security that work on every phone, not the small percentage of devices equity with fingerprint readers. --Steve Hoffman, CEO, SayPay