jonathan wall, the cofounder of google wallet and co-ceo of retail startup index, as well as amanda richardsonce president of product at hotel tonight. i started by asking jonathan how successful apple pay can really be. >> i think it has a lot of potential. they control distribution of the handsets. they have the program if all their phones. they did a great job with partnerships on the banking side. i think on the whole is value-added services. so it's very clear they can do tap and pay for terminals that are already enabled. but the question is -- where is the value add? where is the improved customer experience? i think that's the big question mark. >> amanda, you've used it. is there an improved customer experience? >> for our users it's faster. so it's all about making it fast and easy to book a hotel room. so now it's three taps and a thumb print and you can be on your way into your room really quickly. >> what was it before? >> three taps and we've got our signature swipe, our swipe that the rest of our users will continue to experience. but from a user perspective it's easier to raise