Winner: Apple. The new iOS 10 includes two payment features that could be game-changers for mobile commerce.

Loser: Craigslist. Its long-held dominance is under threat from OfferUp, a mobile marketplace that puts visuals front and center.

Winner: Facebook, which has seen rapid growth outside North America and Europe. However, that trend also presents challenges in terms of monetization.

Winner: Minivans. With sales up 21% this year, this could be the beginning of a retro trend.

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