I only agree with the third point the author makes > Smaller apps will become part of social media and mobile wallet ecosystems. I find actually unbelievable

I only agree with the third point the author makes > Smaller apps will become part of social media and mobile wallet ecosystems. I find actually unbelievable that Apple and Google didn't crack down on it yet as it takes considerable control away from them. Through iOS's WeChat for example, I can install and run mini-apps that effectively bypass any control or review scrutinity away from Apple. Not to mention about how all payements are processed thru these mega-apps, fully bypassing the in-app purchase system. Could Apple even ban some of these big offending Mega-Apps like WeChat at this point? Probably not, as that would cripple their marketshare in China. So meanwhile they effectively host a third party app store competitor... in their app store.