Judging by the variety of answers we got, it’s going to be a disruptive year, but no single technology dominates, although a number of people have their eyes on a product (usually the one they sell). Mobile technology got a few mentions, and we’re willing to bet that the trends that mobile uptake is driving (like BYOD) will create headaches for CTO and CSOs alike this year. We’d also like to respectfully disagree with Microsoft and bet that more content and applications will be delivered via the browser, particularly in Africa, where infrastructure needs to be ultra-lite.

✹ The continued evolution of the way people connect and share information will dominate the disruption leader board for 2013. While social-everything is no longer new, its rapid application across and increased penetration of all sectors will continue to have the largest and most disruptive impact. From social networking to social payments and everything in between, I believe that the ‘socialisation’ of all sectors will continue to dominate the disruptive charts for 2013.