Payments leaders are long on making money...on every transaction. Sometimes 'the new great thing' runs out of steam because they are not making profits or more importantly cannot make cash flow NOW. Lots of e wallets over 18 years, they can garner lots of attention with cuteness but also consume vast piles of investment capital. In the end 'consumers' alone decide success in payments and consumers grade with a sharp pencil. Because of this, the only salvation to make money is in diversification into the payment 'stream'. If you stand alone you are slaughtered.