Phone-specific mobile payments (like ApplePay, AndroidPay or SamsungPay) will keep the industry fragmented and slow the adoption. Consumers will trust the payment method better if it's backed by a bank and not a phone supplier. See the example of Danske Bank MobilePay app, is used by more than half of the population as it's being phone-agnostic (works on all phone models) and works in more locations thanks to smart beacon technology which speeds up the transaction and skip the basis points levied by phone makers, credit card association and acquirers.