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Stare Into My Crystal Ball: My Predictions for 2013

January 7, 2013

PredictionsAs an
entrepreneur, one of the best parts of your job is coming up with great new
ideas. And, working in the technology industry, some of the most fun comes each
December when you are inevitably asked to speculate on what great new strides
our industry will make in the coming year. While I don’t own a crystal ball, I
do have a lot of years in Silicon Valley under my belt. So I feel confident
that at least some of my predictions will come true this year. 

further ado, I give you my top ten predictions for 2013:

  1. Social media will weave itself into the everyday
    lives of people, especially businesses, in a more pervasive way than ever
    before.  I know this may seem obvious,
    but it is worth saying: social is going to become more ingrained this year than
    you ever thought possible.
  2. Businesses will have to find ways to be more
    efficient with less, especially given the slow economic growth and the expected
    minor inflation in Q4 of 2013. This means more cloud services, which are known
    for reducing costs, will be utilized and developed.
  3. Mobile will firmly insert itself into the
    everyday life of businesses.  Businesses will expect more  apps on their phones that take care of business.
  4. Desktop accounting software will continue its
    decline. In fact, the decline will speed up as the benefits of cloud
    (social and mobile in particular) become expected.
  5. The iPad mini will accelerate the ebook
    revolution.  Because of this, many more magazines will stop their paper
    versions, especially vertical publications.
  6. Investing in social will drop dramatically
    because social simply cannot be monetized as a standalone product. Instead,
    companies with real business models will pick up the social and mobile mantle.
  7. Our society will become more and more paperless, and
    the products that make this happen will grow faster than other businesses.
  8. There will be more collaboration across
    companies.   Faced with economic constraints, companies will learn to use
    the cloud to easily leverage each other’s innovation and intellectual property  The result will be better businesses and
    better solutions.  Companies will come together to solve big business problems.
    And hopefully this spirit of collaboration will even carry to D.C.
  9. ePayments will become standard business practice,
    not just because of the paperless benefits mentioned above but because
    ePayments help people work smarter and faster.
  10. 2013 will be the year of the business payment network.
    Credit cards will be a thing of the past as a new generation of ePayment-fueled
    business payment networks emerge. I will share more with you on this prediction
    shortly so watch this space.

So, there you have my list. If only half of these
predictions come true, we will see major advancements in 2013. I’m looking
forward to another exciting year and is committed to helping drive the
innovation needed to make the promise of the cloud a business reality for financial
professionals everywhere.

René Lacerte, CEO and Founder,

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