Overall great article discussing the payments challenges for both Google and Apple.

Your commentary on fragmentation in Android and the lack of fragmentation in Apple are not technically correct.

A good article that discusses how Google has been taking back control of Android fragmentation over the last year is here: http://www.androidcentral.com/android-fragmentation-seemingly-impossible-conversation

Apple has device fragmentation. Speak to people with unsupported screen sizes or iPads that can not be upgraded to the latest OS. It pales to Android but does exist.

As an Android user, paying with Google Wallet on a website is much easier than PayPal and obviously easier than typing in all my card data. Making an in app purchase by just touching the Google Wallet button is fantastic. Paying with the NFC chip in my Moto X (2013) smartphone at McDonalds and CVS works fine and I can load any credit, debit or pre-paid card I want. The Google Wallet ecosystem really is outstanding. I wish more apps and e-commerce sites used it. I would rather trust a small number of companies with my cards then every e-commerce site. Maybe Apple's payments moves will move things along in the ANdroid ecosystem