What’s the fate of local in 2016? Will mobile payments finally catch on? Is programmatic advertising really making its way “down market” to SMBs? And how will Google fare in a world increasingly dominated by apps?

These are just a few of the topics covered in BIA/Kelsey’s annual analyst predictions. The full report is available starting today, and we also released the top ten earlier this week as a sneak peek.

Also check out the video of the session we did at last week’s BIA/Kelsey NEXT to flesh out the top ten predictions and their rationale.