Samsung wants to do more with payments than offer a virtual prepaid card. The company plans to grow Samsung Pay this summer by introducing a new “experience” that includes an “innovative” debit card supported by a cash management account. Details are only slated to arrive in the “coming weeks,” but it’ll have help from the financial startup SoFi.

It’s not a surprising move for Samsung. Apple has offered a credit card since 2019, while Huawei is following suit. Google is believed to be working on a debit card of its own. If Samsung doesn’t offer some kind of payment card, it might miss out if these cards turn out to be successful.

In a response to TechCrunch, a Google spokeperson didn’t directly acknowledge plans for the card and instead repeated the statement it issued on the banking leak in November, when it confirmed it was “exploring” partnerships for smart checking accounts in Google Pay. At the time, it mentioned that its “lead partners” were Citi and Stanford Federal Credit Union, both of whom are expected to cooperate with Google on the debit card.

There are plenty of incentives for Google to dive into debit cards. Like Apple and other tech giants, it can use services like this to generate a steady stream of revenue on top of its existing businesses. And remember, Google is an advertising giant — it could use data to improve its ad measurement and even target ads, at least for those customers who opt to share more info.

Whether or not people bite isn’t certain. The COVID-19 pandemic clearly puts a damper on adoption as people are largely staying inside. And yes, privacy could easily be a concern. Many are already concerned that Google is too eager to track users and otherwise pervade every aspect of their lives. Whether that worry is merited or not, would-be customers may be reluctant to sign up and give Google a potential peek at their financial status. Still, this could be ideal for people who are already fully invested in Google’s ecosystem and want a relatively frictionless way to shop.

Cashless businesses can be efficient and convenient while acting as a barrier against robbers looking to steal a stack of bills. However, they can exclude people without a bank account or those who can’t or don’t want to load funds onto a prepaid debit card, which often charge fees.

“It just seemed to me unfair that I could walk into a coffee shop right across from City Hall, and I had a credit card and could get a cup of coffee. And the person behind me, who had United States currency, could not,” Councilman Bill Greenlee, a bill co-sponsor, told the New York Times. A spokesman for Mayor Jim Kenney, who signed the bill into law last week, noted to the Wall Street Journal that 26 percent of city residents are below the poverty line.

Similar legislation is under consideration in cities including New York, San Francisco, Chicago and Washington, DC. In New Jersey, the legislature has approved a bill which now just needs Governor Phil Murphy’s signature to become law. Massachusetts, meanwhile, has long required businesses to accept cash.

There are a few exemptions to the Philly law, namely parking garages and lots, online and phone transactions, retailers with a membership model (such as Costco) and companies where a credit card deposit is usually necessary, like hotels and rental car businesses.

There’s also a measure that could exempt stores like the cashierless Amazon Go chain. The provision allows cashless “transactions at retail stores selling consumer goods exclusively through a membership model that requires payment by means of an affiliated mobile device application.” However, Amazon reportedly told the city Go stores would still be affected, because consumers don’t have to be Prime members to shop there. They only need an Amazon account.