There is the inevitability of paying for stuff with our watches, (ala Apple Pay but global, not just 1% of market share) so there is a small chance for a newcomer to disrupt a multi-trillion dollar market. And for those who don't use watches, then a small pocket device, be it a ring, cell phone or something like old Motorola pagers.

Those who miss the boat will blame themselves not being the next Whatsapp.