1.
Providing in-depth insight, data, and analysis of everything digital.
The Top 5 Digital Trends of 2016
Mobile | Digital Media | Payments | E-Commerce | Internet of Things

2.
The World Is Now Digital
Today, nearly 43% of the world is connected to the internet1, enabling us to talk, share photos, and conduct
business halfway across the globe. As a result, we have seen more technological advancements in the past 10
years than we’ve witnessed in the past 10,000 years. And in the next five years, we’ll see even more
advancements.
In this overview provided by BI Intelligence, Business Insider’s premium subscription research service, we
identify the key trend in each of our top vertical areas including Mobile, E-Commerce, Digital Media, Digital
Financial Services, and the Internet of Things.
2

3.
0
100
200
300
400
500
600
700
800
900
1000
WhatsApp Facebook
Messenger
WeChat Viber LINE Snapchat Tango Kik KakaoTalk
3
MOBILE: Messaging apps are the new OS
The top four messaging apps in the world have nearly 3 billion monthly active users and are opened almost five times as
much as regular apps. Because users spend so much time in these apps, companies are leveraging the apps to connect with
their customers.
Facebook Is Dominating The Messaging App Wars
The two largest messaging apps in the world – Facebook Messenger and
WhatsApp – are both owned by Facebook. What’s more, these two apps are
global, meaning Facebook reaches both the Eastern and Western worlds.
Calls Chat GIFs
Games Stickers VoIP
Taxi E-commerce Music
Video Payments URL Bar /
Search
Utilities QR Codes
Apps On Top Of Apps
Companies throughout the world have realized that messaging apps are a great way to
connect with their customers. Therefore, many companies have leveraged the apps to
sell goods, promote products, chat with customers, and more.
2015 Messaging Apps MAU2

4.
4
DIGITAL MEDIA: The rise of the bots
Programmatic advertising — or the automatic buying and selling of ad impressions — has exploded in recent years, as the
digital shift has led to an increase in ad inventory. But the rise of programmatic has also led to a massive ad fraud problem
in which traffic bots are penetrating the ecosystem, mimicking human behavior, and siphoning billions from the digital
media industry.
52%
20%
29%
Actual Human Traffic
A little over half of all traffic
on the internet is from
actual humans.
The ‘Good Bots’
30% of global internet traffic comes
from “good bots” – or bots that can
be easily detected as nonhuman
viewers. These bots are often built
to collect and track information.
The ‘Bad Bots’
‘Bad bot” traffic imitates user behavior to
boost website audience numbers,
generate revenue for the host website, or
steal revenue from the advertiser. It
disrupts the delivery of the right ad to the
right user. “Bad bots” accounted for
nearly 20% of all internet traffic and cost
advertisers $6.3 billion in 2015 5.
2015 Online Traffic Sources4

5.
Consumer
Adoption
Compatible
Terminals
PAYMENTS: What comes first?
Mobile in-store payments have gained traction over the past two years. The EMV migration and the launch of mobile wallet
solutions from smartphone providers have been the two largest enabling factors for in-store mobile payments. Consumers
will be further incentivized by offer and loyalty programs, which will drive up volume.
&
A Chicken And Egg Problem
Before merchants upgrade their terminals they want to know if
there is demand for mobile payments. For consumers to adopt
mobile payments, they need to be able to use them. So the question
is, “which will come first?” Mobile Wallets Are Plentiful
Tech companies, such as Apple, Samsung, and Google, have released mobile
wallet solutions that come native on the vast majority of smartphones.
Retailers Are Onboard
In the US, the EMV migration is forcing retailers to upgrade their POS systems. To
stay ahead of the curve, many are opting for NFC-compatibility as well. That solves
acceptance. Already, 2 million retail locations currently accept Apple Pay6.
Consumers See The Benefits
We expect 65% of the US population will make a mobile payment at least once in
2019, up from 8% in 20152. Incentives, including store-loyalty cards, could be the
primary driver for consumer adoption.
The 3 In-Store Payments Market Drivers
1
2
3
5

6.
6
E-COMMERCE: Shipping innovation
As e-commerce continues to grow, retailers have to ship more packages, which is overwhelming shipping companies. As a
result, shipping companies are raising their rates. But this increase is causing mega-retailers, like Amazon and Walmart, to
create their own shipping solutions.
Amazon Prime
Air*
$1.00
Amazon Same-
Day
$8.99
Google
Shopping
$4.99
UPS Ground
$12.92
FedEx Ground
$8.32
USPS Priority 1-
Day
$5.25
$0
$2
$4
$6
$8
$10
$12
$14
DeliveryFee
*Launch date unknown, and delivery fee is an estimate
Delivery Fee That Consumers Pay For A Small Package
2.2kg (5lb) package delivered within 16.1km (10 miles) in the
US7
30 MINUTES SAME-DAY NEXT-DAY
Mega-Retailers Are Creating
Their Own Shipping Solutions
USPS shipping rates are going up
in January 2016:
 Priority Mail rates increased nearly 10%.
 Prices for Parcel Select Lightweight increased
23%. Parcel Select Lightweight is USPS' lowest-priced
shipping option and is exclusively for shipments booked
online.
 First Class Package International Service rates
increased 22%

7.
7
IoT: The Next Industrial Revolution
Businesses in almost every industry throughout the world are realizing how they can leverage Internet of Things (IoT) devices to
lower operating costs, increase productivity, expand to new markets, and develop new product offerings. Over the next five years,
we expect enterprise investments in IoT solutions to total over $3 trillion3. We estimate those investments in IoT solutions will
generate a nearly $8 trillion ROI3 by 2020.
Manufacturing
35% of manufacturers already use smart
sensors, 10% plan to implement them
within a year, and 8% plan to implement
them within three years, according to
PwC8.
74% of insurance executives said they
believe the IoT will disrupt insurance within
the next five years, and 74% plan to invest
in developing and implementing IoT
strategies by 2016, according to an SMA
Research survey9.
Insurance
We estimate 5.4 million IoT devices will be
used on oil extraction sites by 20203. The
devices will primarily be internet-connected
sensors used to provide environmental
metrics about extraction sites.
Oil, gas, and mining
Agriculture
We estimate that IoT devices shipped for
agricultural uses will grow at a 20% CAGR3, to
reach 70 million devices in 2020. These devices
are primary sensors placed in soil to track
acidity levels, temperature, and variables that
help farmers increase crop yields.
We estimate 310 million IoT devices will be
used by food services companies by 20203.
The majority of these devices will be digital
signs connected throughout grocery stores
and fast-food companies.
Food ServicesUtilities
Energy companies throughout the world are
trying to meet rising demand in energy. To
do this, they will be installing nearly
1 billion smart meters by 20203.
Retail
Beacons, paired with mobile apps, are being
used in stores to monitor customer behavior
and push advertisements to customers. In
the US, we estimate $44.4 billion will be
generated from beacon-triggered
messages3.
Healthcare
We estimate 646 million IoT devices will be
used for healthcare by 20203. Connected
healthcare devices can collect data,
automate processes, and more. But these
devices can also be hacked, thereby
posing a threat to the patients who rely on
them.
8 Industries Being
Transformed By The IoT

8.
8
Powered by Business Insider and trusted by thousands of business professionals, BI Intelligence
offers essential insight and analysis on disruptive technologies, helping to drive successful
decision making.
Our Coverage Areas:
 Internet of Things
 Payments
 E-Commerce
 Digital Media
 Mobile
What We Deliver:
 Over 100 Extensive Research Reports
 At Least 1 New Report/Week
 5 Insightful Daily Newsletters
 Actionable Charts & Data
 Online Research Center
Learn more about BI Intelligence today: http://read.bi/bii-5-top-trends

9.
9
"I have found at least one great piece of new, useful information in the BI Intelligence newsletters every
single day. They are quick and to-the-point. BII is coming out with new and insightful information every
single day.”
Peter Sedlarcik, EVP - Business Insights & Intelligence, Havas Media
"BI Intelligence is one of the main resources I use on a daily basis to stay ahead of the ever-changing
digital media curve. The BII research team publishes great charts and reports in a timely manner. I find
about 4 or 5 reports to be useful every month."
Francis Che, Head Of Insights Strategy & Research – APAC, Yahoo
”BII research has no agenda – it’s an objective source of market intel. Plus, BII analyzes info from multiple
sources. As a smaller company, that’s super valuable to us."
Dee Dee Walsh, VP of Marketing & Business Development, Mobilize.net

10.
10
Sources:
1. International Telecommunications Union
2. Companies, BI Intelligence Estimates
3. BI Intelligence Estimates
4. Imperva Incapsula
5. IAB
6. Digital Trends
7. ARK Investment Management, Company Info
8. PriceWaterhouse Coopers
9. SMA Research
10.Penguin/Shutterstock, Julia Tim/Shutterstock, Olga Lebedeva/Shutterstock,
eatcute/Shutterstock, Max Gribodoev/Shutterstock, T-Kot/Shutterstock,
microvector/Shutterstock, Ira Yapanda/Shutterstock, Sentavio/Shutterstock, Vadam
Ervmak/Shutterstock, Oxy_Gen/Shutterstock, ProStockStudio/Shutterstock
Learn more about BI Intelligence subscription options at:
http://read.bi/bii-5-top-trends