Financial institutions can see this as an opportunity to access a far wider customer audience with the ability to sell a broad range of new targeted products and services perfect for this new market.

FORBES: Enabling Lower Cost Peer-To-Peer Money Transfers?

By March 20, 2014, the Happathon (part hackathon, part marathon) wants to create a phone app that monitors your emotional state, is easy to share with friends, produces billions of data points that help business and government deliver better services, and ensures perfect anonymity and privacy.

FORBES: Are You Happy? An App Tries To Raise Our Collective Mood

Here are a few guesses: n Perfect information about goods and services is coming your way.

FORBES: Digital rules