Has The NFC Wallet War Already Been Decided?

At popular question-and-answer website Quora, a user asks: Has Google already lost the NFC payment war to Isis?

Across a bevy of responses, the core message is the same: most say the war has barely just begun, much less been decided. One participant notes that we may not even have identified the right players.

“So the NFC Championship game is to be played between Google and ISIS? I don’t think so,” says John Frank, a former payments entrepreneur. “Fundamentally speaking, NFC is more than payments just as football is more than touchdowns.”

Another user gives credit to the side many are labeling as the underdog. “[Google] clearly has more up its sleeves (see TxVia acquisition) despite poor early momentum.”

What’s your take? Does Isis already have a commanding lead in the NFC mobile wallet space, or are we only just beginning?