If there is no major disruption in technology, I predict it will be top on terms of cashless payments and lipa na mpesa will bring in the lions share of mpesa revenue, it will have the largest share of diaspora remittances, fixed data revenue will be over 30bn a year in revenue, voice revenue will still be stagnant and will be 3rd largest after mpesa and data revenue, Masoko will be having kinks, sms revenue will be stagnant, Safcom will think of venturing into the TV market or ondemand video content with a local approach, mpesa will venture into the salary accounts by having a product that entices people to switch salary accounts from banks to mpesa, internet speeds of 1gbps