The service does promise to be more friendly and is thankfully separate from CurrentC, but it's also clear that Walmart has a vested interest in steering you toward its own app. Unlike the platform-specific tap-to-pay services, Walmart doesn't have to pay a small fee to someone else every time you make a purchase. Also, this gives the big-box store access to shopping information that it wouldn't otherwise have (to "improve the customer experience," it tells us). Think of this as a half-step toward the future: Walmart may be embracing phone-based payments, but only on its own terms.