I don't think the next big thing has to be related to crypto at all.  All Visa/Mastercard/etc needs to do is develop credit card 2.0, having learned from Bitcoin's strengths and weaknesses.  If they don't, someone else will.  All people really care about is ease of use and the ability to dispute charges.  As for the price, perhaps Bitcoin's true weakness is that instead of purely being a payment technology, it is a currency with a relatively small market cap.  As such, it will be perpetually slammed with volatility.  Instead of the technology making the headlines, it is the price.  The cart has been placed before the horse ..