Totally agree with 3 out of your 4 point (oh and the final decentralised bit) but don't think large organisations will be able to rely on the network effect for long, due to continued impact of data privacy, cyber security and our ability to retain and control our own information.

100% agree that blockchain type technology will drive this change but think there are some scaling issues to sort first :-)

New business models that they didn't see coming will also have a large impact.