Along with the explosion in mobile technology to support commerce, startups like LevelUp have begun disrupting the payments market by offering free payment processing in return for paid loyalty and marketing services, showing that we are quickly moving into an age where the value of payment data exceeds the value of transaction fees.

FORBES: Mobile Payments: The Case For Choosing An Open Platform

With the explosion of medical apps and mobile scheduling technology, reaching your doctor to schedule an appointment in 2012 has radically changed.

FORBES: Can't Reach Your Doctor?...Put Down Your Phone, and Pick Up Your iPad Instead!