Google Wallet users who request the accompanying plastic card can activate that card through the wallet's mobile app, a process that will become increasingly common as mobile payments advance, experts say.
Though it remains common for banks to adhere a sticker with a phone number on the front of new cards, Google takes a page out of the transit world in directing consumers to use its app.
The Fevo MasterCard-branded prepaid cards, used in Singapore as part of the EZ-Link transportation fare card system, activates online or through a mobile app with an activation code or password.
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Many companies will support plastic card activation through mobile apps in the future, says Richard Oglesby, senior analyst and mobile pay expert with Boston-based Aite Group.
Google likely determined that users of the Google Wallet plastic card would be more comfortable using its payment app in the activation process, Oglesby says.
"Any consumer using Google Wallet probably got it through a mobile device, and that's the only thing they use," Oglesby says. "Those consumers wouldn't want to have to do the activation on another device."
Other digital wallet providers, such as PayPal and Isis, offer plastic cards to consumers.
Banks will view activation through mobile apps as another form of customer service, says Matthew Talbot, senior vice president of mobile commerce for Germany-based SAP Mobile.
"Whether you activate a card through an app or on your PC, you are still activating it over electronic medium," Talbot says. "What it does represent is simplifying the process for the consumer, and we know that all advances in mobile pay and commerce are about making it easier for the consumer."
Security should not be an issue with an app-based activation process, says Julie Conroy, Aite Group's fraud prevention expert.
"I think that properly secured, activation through a mobile app is perfectly acceptable, and I do think we'll see more of this going forward," Conroy says.
In fact, if mobile wallet providers have the proper security in place, "the mobile environment has the potential to be more secure than the online environments," Conroy says.
As such, more wallet providers offering accompanying plastic cards will likely take advantage of a mobile app for activation, says Madeline Aufseeser, a senior analyst with Aite Group.
"If the issuer has a mobile app, which is the mobile version of the online portal, then I have seen other issuers enable card activation through the app," Aufseeser says.
The most common activation method is to call a toll-free number, but more consumers are choosing to activate cards at an ATM, Aufseeser says.
Ultimately, the consumer should not have reservations about the activation process, SAP's Talbot says.
"You are doing it securely either way with mobile or online," Talbot says. "There is no real difference."
Google introduced its plastic Google Wallet debit card, issued through Bancorp Bank, in November. The MasterCard-branded card also provides ATM access for U.S. customers who have completed Google's identity verification process.