I don't believe bitpay/coinbase will "replace"  any of these large companies that were listed in this thread.  They will most likely co-exist.  More likely than not these large companies will be adapting bitcoin or their own forms of cryptocurrency.   They only way I see them getting "replaced" is if they never adapted and implemented the benefits of cryptocurrencies into their services,  but from recent press interviews and statements its becoming obvious these companies realize they will need to adapt and they see a future with bitcoin or other crypto currencies being implemented into their existing services.