The platforms created by the new internet of Things (IoT) will provide opportunities for new more relevant, real-time data to be communicated to consumers in a more immediate way. Digital footprints will become even more elaborate and there will a demand from consumers to be more in control of this data. This will apply more especially to the two most important things in life health and wealth. More low or self powering sensors will accelerate adoption and use. There will also be continued disruption in the Financial Services sector with new mobile/on-line only banks being set-up once compliance standards have been amended to accommodate these organisations. Biometrics will continue to be disruptive and in many cases will eliminate the need for passwords altogether. Multiple factors of authentication will be used to improve security without the customer having to perform any additional steps. Screen sizes on phones will become less important as automatic connectivity to different screen sizes will be enabled depending on the application and the environment.