Major shifts are coming that will alter the way we work and shop, everything from how we live to what we consume. As those shifts take place, every industry will be disrupted by new businesses competing to profit from them. And the companies with the smartest plan and fastest reaction to change have an opportunity to win great earnings.

The following are the seven biggest technologies, products and trends every business needs to get ready for in 2020, according to Dr. Bernard Marr, Director of Intact Growth Intelligence for France’s Intact Risk.

1. Mobile money – The main mobile money competitor to traditional banking systems, mobile money services are becoming increasingly important in many countries, especially in emerging markets, where younger generations are more comfortable with mobile handsets than machines and physical currency. We are seeing major development launches in Mexico, Brazil, Peru, Nigeria, Armenia, India, Turkey, and elsewhere, even in authoritarian countries like Saudi Arabia. We will see mobile money become more prominent in the U.S. and some parts of Europe as well.

2. IoT – As companies use multiple devices to capture measurements and information in order to make decisions about stuff, Internet of Things devices are connected all the time, typically to the cloud, where they can transmit that information back and forth. These devices can send messages back and forth to other devices, connecting with other devices to share insights. This translates into new possibilities for the product industry, and new kinds of product innovation and development.

3. Internet of Everything – A proliferation of Internet of Things devices, data streams, systems, and apps is generating new opportunities and new pressures. For some, these challenges can become a new selling point; for others, they can turn the web of information into a forest of competing conflicting interests. The Chinese company EZchip designs chips that act as middleman to spread IoT across the Web of everything. In August, Cagem unveiled a chip for use in decentralized decentralized networks that promise to distribute a constant flood of information across the internet, via new virtual objects that behave like a new kind of flag.

4. AI – Highly complex artificial intelligence systems are taking over healthcare, design, finance, business operations, accounting, employment – and certainly the kinds of industrial jobs being shed by robots. Even the Chinese government is getting ready to catch up with the West and use AI for everything from subservient industrial jobs to the security of its citizens.

5. Big Data – Simple data processing, communication, and storage systems have already become major forces in Internet of Things and have driven change in almost every industry. More and more complex calculations involving real-time data will drive ever more high-intensity innovations – such as AI and IoT. In just five years, 4 trillion gigabytes of data will be created every day.

6. Blockchain – Technology provides an unprecedented record-keeping method, this time at an extremely small scale, much less expensive than existing systems. For example, in retail, blockchain can speed up traceability and keep track of merchandise and inventory across hundreds or thousands of stores. Unlike older applications, however, it also promises to eliminate all the regulatory costs associated with antiquated applications that track and regulate all of the items bought and sold in a store, leaving warehouses to make sure the packaged goods are cold and cold.

7. Blockchain – For all the exciting applications of blockchain to increase productivity, security, and efficiency, however, it will still take 10 years or more for it to truly establish itself as a technology – especially at the level of industry – but, along the way, it will provide lots of interesting new challenges for innovators and competition.