[muzani]

My picks:

1) Fintech. It'll be messy with the aftermath of COVID, moratoriums, etc. Combine it with new and old banking regulations, islamic banking, ways to finance the poor, bubbles popping, crowdfunding. Then you have crypto and retail investors. It's going to be a bloodbath. And there's plenty of space for the young and hungry.

2) Remote work. Not just non-offices, but working internationally. If you're going to hire someone who doesn't come into office, why not just hire someone whose living costs are 10x lower? Inversely, there are a lot of problems with it; who's solving them?

3) AI creativity. It's more creative than humans now. Where will it be 4 years from now? We're seeing the side effects of too much creativity - it turns your brain into mush. It'll be a new revolution, like assembly lines, but in the opposite direction. We're experimenting how much we can totally delegate to AI and how much support infrastructure we need to build around it.