[jetti]

Blockchain.

While it may not fit some people's definition of emerging I think we will see implementations outside of cryptocurrency. I know some clearing companies (related to the stock/futures/etc markets) are interested in it and so are banks. I can see them having something implemented in the next 3 years, even if it is just something that does a very small share of their business. I'm very excited to see applications of blockchain outside of cryptocurrency!

[devopsproject]

it would be a nice replacement for credit agencies

[jetti]

It would definitely make it easier to dispute when you made payments but the collection company/company says that you haven't. Checking the blockchain would prove one party correct rather than he said, she said.