The Google Pay app is shutting down in the US

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Google Wallet with Gemini.

Gemini will suggest where you should spend your money next, based on AI analysing your spending patterns.

By the way Gemini is going to automatically pay the optimum amount of tip based on Google partnership.

Optimal tips in US is now 35-45%, minimum for not getting kicked in the groin is 20%, plan accordingly.

Suggest? Nah fam, it will decide what you want and make the purchases for you based on your overall profile, browsing patterns, bank account analysis and integration with smart devices in your home such as the fridge.