I believe there will be a big shift coming, but not that it will come from established tech companies in the developed world. Rather, I believe it is banks from

I believe there will be a big shift coming, but not that it will come from established tech companies in the developed world. Rather, I believe it is banks from third world countries that will push the envelope. This for a few reasons: They already have a large customer base. Their economies are growing very fast, which creates a steadily increasing pressure on old systems. Also, this creates shifting marketplaces where new players in the area can pop up a lot more easy than in old settled markets. Less preconceptions on what can or cannot be done.