One startup I’m obsessed with right now is Snapscan, out of South Africa — it’s an app that allows you to settle a bill by snapping a QR code. Because mobile commerce is so huge in Africa, it’s been able to thrive in its home market, while companies that have tried to do this in the US have failed. But if Snapscan or another firm like it succeeded, it could disrupt payment as we know it — no more waiting in line at the grocery store (or the merch table, to bring it back to music). You could buy tickets by snapping a code on a poster. Hear an artist’s music in an ad, take a pic of the screen, and donate a few bucks.