Who will be the master orchestrator of Android Pay is an intriguing question. But even more interesting one is: who will be the master aggregator for Apple, Android, and Windows Pay? Who will connect to banks and merchant networks from one side and 3 payment platforms owners from the other and make it possible for users of all 3 payment platforms to pay at any merchant terminal? The great normalizer... I hope IXs will not dominate this area, because the sources of transaction funding (and the corresponding account credentials) do not have to be card related.