The document discusses disruptive technologies and their impact on consumers and enterprises. It finds that cloud and data & analytics continue to drive innovation for enterprises by improving efficiencies and enabling faster innovation cycles. However, security remains the top challenge for adopting cloud services. For consumers, mobile saw a decline as a disruptor while emerging technologies like 3D printing, biotech, and the Internet of Things are gaining prominence. The competition is fierce across the mobile ecosystem to gain market share.