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Perhaps the most heavily disrupted, at least from the consumer and small business perspectives, element of fintech has been payments. The stranglehold banks have had on how money is collected and moved remains strong but a number of new players have begun to edge in. One of the big players in that disruption is Square. Today, they have released their new Square Stand - a $299 device that works out-of-the-box to convert an iPad into a full point-of-sale system.

Predicting the future is near impossible -- but that doesn‘t stop us all from having a red hot go. Human beings have been predicting the future since the beginning of history and the results range from the hilarious to the downright uncanny.

One thing all future predictions have in common: they‘re rooted in our current understanding of how the world works. It‘s difficult to escape that mindset. We have no idea how technology will evolve, so our ideas are connected to the technology of today.