Mobile web technologies are the most disruptive technologies according to the document. Disruption occurs when a new technology unexpectedly displaces an established one. Some key mobile and internet technologies that have been disruptive include smartphones, wireless networks, cloud computing, social networks, and user interfaces. The future is in mobile broadband and the mobile web. Mobile app usage and downloads are growing significantly, especially for services related to money transfer, local search, health monitoring, payments, and messaging. India is also seeing major growth in mobile subscribers and usage, which will help close the digital divide as mobile access becomes more universal.