1. Money Transfer: This refers to people sending money via SMS messages. Like mobile payments, this service has more appeal in developing markets for now. However, there may come a time when even using your debit card seems passé, while paying for something with actual cash seems downright ancient.
2. Location-Based Services: As mentioned above, there are still far too many services to choose from when it comes to location-based social networking, fragmenting the market. Your friends on Loopt are often different than those on Brightkite and that list is different than those on Foursquare. But LBS extends to more than social networks – it includes any application that taps into your phone’s GPS capabilities to offer up location-based services of any kind, whether that’s local business reviews or directions to the nearest Starbucks. Gartner says this will be one of the most disruptive technologies in the future, with a user base growing from 96 million in 2009 to 526 million in 2012.