Just two big predictions from me:<p>1) FinTech will start to shine through, the first consumer banks built using modern tech will open to customers in Europe (London FinTech scene is strong, Zurich has ex-Googlers and strong finance, or Frankfurt but they are currently trailing - my bet is on London). These banks will experience very strong growth, the question really is: Will they go with it or go for acquisition<p>2) The &quot;Family Plan&quot; will emerge as a new sales market in most of the established consumer products, with Dropbox, Google, and others all building strong offerings for managing the product use and sharing of a group of users. This is ground-work for centralising both &quot;family&quot; and &quot;home&quot;, and lays the foundation for the command and control of IoT over the next few years - it is how the big established players stay in the game.<p>Neither of those predictions is quite there, the leading new bank is Mondo <a href="https:&#x2F;&#x2F;getmondo.co.uk&#x2F;" rel="nofollow">https:&#x2F;&#x2F;getmondo.co.uk&#x2F;</a> but it&#x27;s in beta, is currently iPhone only which limits adoption in the UK, and the benefits of the new tech hasn&#x27;t yet been fully realised.<p>And I&#x27;m not yet seeing the &quot;family plan&quot; head this way but I&#x27;d be surprised if the penny doesn&#x27;t drop somewhere and this be the path taken. Control of the home is control of the family, and vice versa... the family want tools for this better than the ones they have today.<p>An entirely different thing I&#x27;d like to see exist but do not know of anyone working on at all:<p>3) A dating app that acknowledges the hook-up culture that seems to be growing in the millenial generation of users, and instead of hiding that under the carpet uses it&#x27;s data to encourage responsible tracking of STDs and other risks.<p>That one is inspired by news this morning on Gonorrhoea becoming immune to antibiotics <a href="http:&#x2F;&#x2F;www.bbc.co.uk&#x2F;news&#x2F;health-35153794" rel="nofollow">http:&#x2F;&#x2F;www.bbc.co.uk&#x2F;news&#x2F;health-35153794</a> . The app should function similar to whatever the core function of Tinder is, but allow tracking of whom you&#x27;ve done what with for the sole purpose of allowing notifications of STDs to be quickly disseminated to people who may be exposed.<p>It may be infeasible, I don&#x27;t know what the willingness of those who do hook-ups is to track risk-related activity and test results is. The core idea is &quot;disease tracking in social networking and dating apps&quot;.