The American Affordable Care Act gives millions access to health care, presenting an opportunity to enterprising companies. Oscar is a new insurance company aimed at digital natives that looks more like an Internet startup than an insurance company.

As Millennials increasingly perceive ownership as a burden, car-sharing companies like DriveNow are changing the game. From Dusseldorf to Munich, they’re catering to an ever-growing percentage of young Germans for whom owning a car is no longer a viable or ‘cool’ thing to do.

ParkatmyHouse connects the owners of unused parking spaces with the drivers who desperately need them, proving the power of peer-to-peer consumption and its potential to challenge the annoyances that were previously just taken for granted.

Technology lets communities form easily and quickly and as a result is unleashing an empowered public on markets, the media and more. From group buying to 'buycotting', people are putting their heads together and voting with their wallets.