That's mostly what I was going to say.... it's easy to predict stuff now, specially if nobody check if what they say actually happens.
And also.... SMS has been around for... how long? 15-20 years? Now, all of a sudden, people will feel the need to transfer money using an SMS! c'mon!

Provided people will get smarter (which is as likely as green men from Mars), my prediction for 2022 is that someone will finally understand that Gartner = Arthur Andersen.... A gas bubble, of the not-so-nicely-smelling kind....

I wonder how Gartner gets away with these predictions when no one ever seems to track (two years later) how accurate they were. What's their batting average? I did this once or twice for Gartner on various topics. Their batting average is around .500, meaning a coin flip would be about the same in terms being right. And did you ever notice that it's always two years out? Why? Well because if it's one year, you won't have time to hire them for advice and if it's longer than two years, you have time to defer from hiring them.