I was forced to install Google Tez as Google was throwing countless advertisments in every single Google service like YouTube. Anyway, I own a Galaxy S8 Plus and I use Samsung Pay. It works as a charm here in India and has made my life easier by a thousandfold. Now after using Google Tez, I will give your 4 reasons not to download it.
1) It does not allow one place to save all your online wallets like Paytm, PayPal and others. Samsung Pay allows you to save online wallets and choose wherever you want to pay from.
2) The User Interface is not at all intuitive. The application is very difficult to use. This maybe because it is new and may improve with updates, but as of now, it is a sluggish piece of mess.
3) I do not think that it is as safe as the other money transfer applications. Once, I transferred 450RS to a friend and it showed that the money was transferred from my side but he did not recieve it. He recieved it the next day.
4) People do not trust and use this application much. Many people to who I was going to transfer money using this application, they refused as they had no clue about the legitimacy of this application.
All in all, this application does not match any already on the market. Maybe it would in the forthcoming future, but as of now, it is redundant.