The document provides 14 predictions for the technology industry in 2014. Some of the key predictions include: 1) Software-as-a-Service will become standard practice for technology providers as cloud computing spending increases. 2) Companies will shift their focus from customer acquisition to retention as the subscription economy matures and retaining existing customers becomes more important. 3) Mobile payment technology will advance to the point that people can say goodbye to their wallets and use mobile devices for most purchases.