Venture investors shape the future by voting in favor of developing certain technologies with their capital. Until recently, there weren’t many surprises: at any given moment, we could imagine what would happen in the next three, five, or even ten years. For example, last year, the Digital Horizon team talked about trends which developed at an accelerated rate because of the pandemic but, at the same time, were linear and quite predictable. Today, embedded finance, a synergy of financial and insurance products, low-code and no-code services, direct account-to-account payments, and other technological solutions are already making their way into commercial operation.