Trends Identified
Storm the court
Judges will interpret—and define—new architectures.
2018
Top Policy Trends of 2018
PWC
Banking-as-a-Service Economy Emerges
Juniper expects the emergence of banking-as-a-service to be a key driving force in the world of finance in 2019. With PSD2 applicable as of January 2018, we expect 2019 to be the year that products based on the regulation’s open API requirements to have a significant effect on the market. Most particularly, this will enable new types of banking services to be offered by new players, who can handle the cross-platform requirements for banks unfamiliar with the technological requirements. The main opportunity here is for new technology-focused players to offer services across a wide range of new platforms. With compliance established in 2018, 2019 will see banks and technology players look beyond mere compliance and build on the opportunities the directive presents. The newer fintech start-ups stand to be the biggest beneficiaries of this development, as they can provide white-label services to a wide variety of financial institutions wanting to offer more services to customers. In time, this will extend to PaaS and SaaS providers more generally, as financial transactions becomes another form of secure data to transact through the cloud. As a result, we have seen Oracle among one of the early movers in this space; extending their cloud expertise into a new sector. This will also benefit banks, as it gives them more platforms through which to engage their customers. More types of product will give them a larger presence, and thus more ways to make their products more sticky to customers. However, the Open data requirements of PSD2 also means that consumers should benefit from increased competition as dedicated BaaS players emerge to serve customers, in the way that Monzo and other fintech companies have become prominent. Juniper expects that, while this movement has begun in Europe, later in 2019, other banking players will bring out BaaS services to customers. This will not be mandated, but a drive to increase competitive differentiation, and with the PSD2 as a de facto framework, a global BaaS market will form, although banks themselves will remain largely national. In tandem with this, we also expect IoT-based services to make an appearance in 2019. With several companies explicitly targeting this space already, it will become a key competitive benefit for several BaaS players. Related Research: Retail Banking: Digital Transformation & Disruptor Opportunities 2018-2022
2019
Top Tech trends 2019
Juniper Research
Internet of things no longer about things
Just about every business will become an internet of things (IoT) business. The convergence of the digital and physical worlds makes this inevitable. When the products companies sell are connected 24/7/365, dynamic and ever-improving value can be delivered to customers throughout the product’s life cycle. This will become the norm. Therefore, launching a successful IoT business requires a fundamental shift, a transition from product-centric to service-centric business models. Companies looking to capitalize on IoT will become IoT service businesses. Operations dependent on one-time product sales will become obsolete as business value moves from products to the experiences they enable. This transformation will fundamentally change how businesses operate, interact with customers and make money. Those who recognize that the internet of things isn’t about things but about service will be positioned to meet these new customer demands, unlock new sources of revenue and thrive in this connected world.
2014
14 tech predictions for our world in 2020
World Economic Forum (WEF)
Society and social trends
Just as population trends over a 20-year period tend to move quite slowly (with notable exceptions such as immigration) and are not on the aggregate susceptible to abrupt major changes of direction, societal trends also tend to develop their own momentum and can prove quite difficult to defect from past and current trajectories. The expansion of higher education, the growing participation of women in the labour market and the rising numbers of dependent elderly all seem set to become a permanent feature of the next couple of decades, although their combined effect on family formation, family interaction and intergenerational relations is hard to foresee. Conversely, future patterns of marriage and divorce or labour market participation among the elderly have the potential to spring some surprises in the years ahead.
2011
The Future of Families to 2030
OECD
5G
Just as the amount of data produced by the IoT will force data to the edge, it will also force mobile providers to move faster than ever — toward 5G. The level of hyper-connectivity expected by users today leaves little room not to move forward on the 5G path, but don’t get too excited. The move to 5G won’t happen overnight, and it will likely be patchy at best throughout the coming year. This year we are seeing Gigabit LTE (the stepping stone between current LTE and 5G) making leaps with devices from Samsung and Sony leading the way. Today much of the Gigabit LTE movement is being powered by Qualcomm Snapdragon technology, but others will certainly seek to become involved in this rapid growth market for mobile.
2016
Top 10 trends for digital transformation in 2018
Forbes
Failure As A Service?
Just as we saw the as-a-Service market continue to grow with software, infrastructure, and — just about everything else — failure will soon be a service on the aaS menu. The reason: failing fast is one of the most important elements of success in today’s quick-moving digital transformation environment. Failure-as-a-Service (FaaS) will provide visualization, rapid prototyping, and other fast fail methods that will help companies strategize fast for greater success. It’s a bit speculative to say it will be called “Failure-as-a-service,” but the ability to more quickly recognize when something isn’t working and move on will be a key differentiator between the winners and losers of digital transformation.
2016
Top 10 trends for digital transformation in 2018
Forbes
Brand Youth as Politics Undergoes a Generational Shift
Justin Trudeau is perhaps the most recognizable among a new generation of political leaders from around the world—New Zealand to North Korea, and Austria to Saudi Arabia—who are redefining politics as usual. While some of these new leaders champion political views stereotypical of their generation, others have veered towards more conventional ideas. The emergence of these young leaders marks a watershed: it will signal either a rising tide of millennial leaders, or will relegate these early entrants to a short-lived experiment with change.
2018
Top 10 Tech Trends For 2018
Forbes
Clean power
Known technical solution areas which require innovation to realise their potential and enable scale of deployment: Cheap renewables generation, advanced energy storage, Clean fossil fuels, Next-generation grid management, Carbon capture, sequestration and use, Energy efficiency, Renewable heat, Next-generation nuclear fission, Nuclear fusion.
2017
Innovation for the Earth - Harnessing technological breakthroughs for people and the planet
PWC
Sustainable production and consumption
Known technical solution areas which require innovation to realise their potential and enable scale of deployment: Circular economy recycling solutions e.g. cradle to cradle, Sharing economy, Reduced waste and energy production, Clean chemicals, steel, cement, and paper production, Extreme durability for energy-intensive products and materials, Extreme efficiency of IT/Data centres, Supply chain transparency, CO2 extraction from manufacturing.
2017
Innovation for the Earth - Harnessing technological breakthroughs for people and the planet
PWC
Smart transport systems
Known technical solution areas which require innovation to realise their potential and enable scale of deployment: Clean liquid and gaseous fuels, System efficiency solutions, Clean long-haul transport, High-efficiency engines, Next generation batteries, Energy-dense gaseous fuel storage, Technology enabled transport systems.
2017
Innovation for the Earth - Harnessing technological breakthroughs for people and the planet
PWC