3. I said it last year - and I'll say it again. There is only one activity more thankless than predicting the future - and that is publicly sharing your predictions.
4. At tech start-up conferences, such as Slush in Helsinki in December, everyone was talking about experiences. The coming year is likely to see a wider adoption of virtual reality, which places the user in a digitally enhanced environment, and augmented reality, which overlays digital information on to the real world, creating new digital businesses.