The future is already here - it is just unevenly distributed. - William Gibson
disintermediation: proliferation of market platforms across the economy (not just in finance)
rise of the "prosumer": blurring the boundaries between "retail" and "institutional" markets
FaaS: [finance] as a service
elastic infrastructure: open-source virtualized backbone in the cloud
UX: the only differentiator in a digital world
mobile: not just another channel
reverse (economic) osmosis: innovation flow from developing to developed markets