We are still in the Wild West day of how this emerges. It's too early to even predict who the players are much, much less the winners. I doubt it. We have learned that the industry-wide consortium is not the right model. We don't need any more industry- wide alliances to flail away at standards.
Consortia are really, really hard.
They are not driven by the profit motive and nonprofit standards organizations have little ability to get all participants to move in the same direction. Ideally, in payments and fulfillment, you'd love to see standards. But if you wait for the standards to emerge, you have a very, very long wait.