Gpay's entry into Investment and Loan disbursement Who will win in this Fintech war ?

It seems Google pay too entered into Investing and Loan providing platforms competing with Phonepe and Paytm.

In this type of businesses there is no unique value provided by any players and If they do so, others will copy as fast as they can and copy it in a better way.

Let's see who will win this war?

For Google pay - Google is there to back it up

For Phonepe - Walmart is there 

But for Paytm - No one is there.

And one more giant is there 

Amazon pay - As they are into all business.

By looking at this, In long term Paytm may suffer.

Whom do you think will win this war ?