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Listened to the latest Bad Crypto Podcast with Oz Sultan, who is a fairly knowledgable and excentric guy in the tech field. He worked for the Trump campaign and has also done a lot of consulting for the US government in cyber security related issues. The entire podcast is quite interesting if you are concerned about the recent hacks and the SIM-swapping scandals that have hit certain major providers. The new "crypto phone" revolution is also higlighted. https://everipedia.org/wiki/lang_en/oz-sultan/ During the interview he aired some ideas on what he thought the future would be: From about 43 minutes in he talks about 18 months being the time until mass adoption, he mentions especially Sandtander with their app and the other banks using "Ripple" after Pennsylvania institutes a law that makes crypto exempt from the Wire transfer license, this could open the hatches. Very bullish. https://badcryptopodcast.com/2019/02/06/oz-sultan-236/