I was 
from this thread but later realise I have something to say.
I will let it roll.
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None of the players is really solving the problem of making it more appealing to go cashless as the cost of transactions is still relatively HIGH. However, it is good to note that features around security and convience of payment are taking center stage.
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Another thing is that banks that are supposed to be enablers want to screw up the fintech players by participating in the online payment space.
From personal experience, most Banks are not qualified to play in this space because they are not best suited for this. Some of them do NOT have anti-fraud system for managing, tracking and auditing online transactions.
Take the case of VoguePay, one of the major online payment gateways mentioned in the OP’s post. We recently partnered with a bank to facilitate transaction of some of our international users and we’re disappointed by how they handled the transaction flow.
According to them, they have not processed such a high deal flow within a short period of time. So they literally shut down the transaction to manually fraud-check them.
When you consider that the affected merchants are just a section of VoguePay users (who are system-checked and verified against fraud using several parameters) you will see that the banks have a long learning curve in understanding online payment when compared to the payment gateways.