The biggest changes will be technologically driven, such as VOIP for tablets, as well as the new capabilities of yet-to-be-developed devices.

FORBES: Telecom Economic Forecast, 2013-2014

Much of the savings Yabuki promises will come from tools that have yet to be developed--systems aimed at helping banks better manage risk and sell lucrative products to existing clients.

FORBES: Global 2000

One major hurdle is that the language of machine-plus-human interaction has not yet begun to be developed.

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That may allow pre-emptive treatment to be developed for people whose tumours are not yet malignant.

ECONOMIST: The next advances in genomics may happen in China

And if Russia plays ball it will strike a hard bargain - perhaps securing an interest in Cyprus's offshore gas industry, yet to be developed.

BBC: Cyprus bank crisis: Mounting EU pressure

Long-term, the real innovations will come from the software applications that have yet to be developed.

FORBES: The Future of Computers: Voice Recognition