The mobile Web, location-based services, inexpensive and pervasive mobile apps, and new sorts of opportunities to access cars, bikes, tools, talent, and more from our neighbors and colleagues will propel peer-to-peer access services into market.

Cities are ripe for redesign, and many are already well on that path. Cloud-based networks that provide easy and inexpensive access to and tracking of services like transportation, energy, waste management, bill pay, citizen engagement and more are testing and enriching their services.

The Mesh difference is that with GPS-enabled mobile Web devices and social networks, physical goods are now easily located in space and time.

Insurance and funding traditionally drive capital investment. But in a world based on access, not ownership, the duration, value, cost and extent of financial services is distinctly different.

A new model is starting to take root and grow, one in which consumers have more choices, more tools, more information, and more power to guide these choices. I call this emerging model 'The Mesh.'

Success in business today requires real-time, mobile access to business opportunities.