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Google Wallet is one of the competing systems for mobile payments, which not only allows online payments, like PayPal, but additionally deals conducted using one's smartphone. Formerly suitable with only MasterCard, Google Wallet has been updated to use all credit and debit cards. A loan will help you pay for your purchases.
In addition to the very valid points Christopher made, I also think many people install an app launcher because it can make their Android device look cooler. It also opens up new Widget options, and let’s you more easily access those apps you decide are most important. So basically: Widgets, app access, and looks cool. I’ve used both Go Launcher and Nova, and liked both pretty well
The purpose of apps launchers is to give smartphone users an alternative to their native home screens, some of which are not particularly well-designed or responsive. Third-party apps launchers usually give users more customization options and control over their smartphone OS interface.
Lifehacker likes the Nova Launcher for newer versions of Android and Launcher Pro for pre-4.0 devices.