• Audio-first AR experiences will arise as airpods and similar wearables become ubiquitous
• VCs will increasingly focus on the regulated worlds of education and healthcare, having become extremely comfortable with the regulatory risks of fintech companies
• Premium workflow tools such as Superhuman, Notion, Sketch, etc. may follow users from their personal lives to their professional lives, replacing incumbent on-prem/SaaS tools such as Outlook, Atlassian, and Adobe Creative Suite
• Vertical social networks will continue to gain adoption, replacing sub-reddits and other online communities by offering tools to better communicate, exchange things, and create
• An increasing amount of tech-enabled businesses will begin to offer embedded financial services in order to own the full-stack customer relationship. They will be enabled by vertical-specific API platforms in payments, lending, digital identity, and more. Areas where this will be the most impactful: elderly care, residential real estate, and SMBs
• Most consumers will continue to prefer having their main financial relationship with a dedicated financial services company, whether it be a legacy bank, challenger bank, or PFM application
• Intra-organization communities/platforms for remote workers will be developed as it has become easier to hire for and implement remote working practices