So Android Pay muscles into a crowded market place.  Does it change things for mobile payments?

Yes has to be the starting point, surely?  With its launch a huge group of potential users are now able to use the technology.

According to reports it's also easier to use than the payment solutions that went before.  So that's another point in favour no?

As we know it's not that simple.  The ease of use is undeniably a major factor in favour of the channel. However there are wider considerations in play such as data protection and security.  

Awareness amongst consumers and regulators is growing.  Rules are tightening (with the General Data Protection Regulation just around the corner in Europe) so the message has to be more than just ease of use.  Consumers may feel comfortable with a piece of plastic and a PIN number.  Yes there are risks, but they know what they are.  With mobile payments they may feel that they're taking a risk in using the technology, handing over data to someone new and stepping into the unknown.  The unfamiliar.

And that's where the broader messages about mobile payments and its benefits as a channel need to land.  

A new player in the market helps that.  Another huge advocate.  What will be interesting in the coming months is to see whether Android Pay has a real impact on adoption rates, and what impact Samsung Pay (and a.n.other Android user) has by competing.  A turn off or a turn on?

So whilst it may not be a game changer in terms of leading to mass adoption, it is certainly a key enabler.  A potential tipping point.  And for mobile payments, that's big news.