More investment. Public and private financing of technology companies during 2015 was still only around two thirds of what it was in the dot com boom. We expect more in 2016 but no explosion.

Tech Companies will continue to create problems for regulators around the world.Marketplace and on-demand service companies like Airbnb and Uber will continue to rub up against regulators and vested local interests. Tech companies will also provide solutions for regulators too -Stubhub has helped regulate tickets sales in a way that public bodies never could.

The IoT will continue to grow rapidly in both the manufacturing and consumer spaces, but a common platform that will really fuel interest is yet to emerge - expect consolidation, mergers and buy outs in 2016. Voice control software providers can expect a big year as many IoT devices are out of reach or lack screens.

Cyber security will still be big news and an area of significant investment, especially for non-online native companies, but public interest/outrage will begin to fade unless transport or other critical infrastructure is hugely affected. Governments will continue to seek to make up ground lost by Snowden, and surveillance legislation will increase as the public reacts to perceived threats, especially from terrorism.

Mobile payment services will see huge growth as consumer confidence in them rises, and wearables learn to do more - banks will struggle to stop the rise of the platforms charge to charge.

Fully autonomous vehicles won't hit the road in 2016, but manufacturers, platforms and regulators will continue to drive the space forward. In car expect high end models to work more and more like smartphones in creating a responsive connected experience, providing significant marketing opportunities for retailers, restaurants etc. Find out more about what the Driverless GB of the future will look like > 

Online marketplaces and on-demand services will continue to change the job market.  Uber,EtsyAirbnb provide new income streams for full and part time workers, especially millennials, who will at last become the new driving force of young workers.

Drones will make huge inroads in the commercial space, not just Christmas stockings. Expect huge disruptions in markets currently using helicopters, planes, satellites and dangerous human jobs, and regulators forced to act to provide safe flight zones and lanes.

The Golden Hour. More and more services will deliver within one hour. Bricks and Mortar retailers face supreme pressure, especially as businesses like Doddle provide convenient returns options too. Expect significant IT investments as retailers seek to meet the threat head on - often in a "if you can't beat them" frame of mind.

Messaging platforms will continue to dominate the consumer tech industry - we will see huge growth in visual messaging - virtual and augmented reality platforms supported by better hardware and super-fast broadband will capture the imagination in 2016, especially for the under 24s. Business will start to experiment for internal meetings, interviewing and training. These messaging platforms will seek to provide many more services - taxis, food delivery, music and more - expect deals between major and fast growing players.

User generated content (streaming, pinning, gaming, reviews etc.) will continue to boom across many platforms, providing platforms with cheap and fresh content. Paid curation services will grow quickly in response. 

Internet browsing/surfing will all but die, as short and micro mobile sessions demand condensed content and targeted ads that don't annoy the user.

Education, Healthcare and Government services have been largely disruption free, but that will change as innovators look for new spaces - provided they can navigate the regulations.