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The innovation that will shape the coming year, I think, will be the consumer use of digital currencies, such as Bitcoin and its derivatives. Companies such as ChangeTip, BitWall, BitPay, and Coinbase – as well as other digital wallets that make use of cybercurrencies or loyalty-points/miles currencies – will empower creators and consumers of content and wrest some power from the Amazons, Alibabas, and Apples. This will upend our current kludgy financial system and ignite an explosion of disruptive innovation.Is our current financial system "kludgy"?