As we all know the Mac Universe is highly focused on hardware and gadgets with Software stuff being a secondary interest. This leaves the Mac universe very vulnerable to missing some big important possibilities that are right in obvious but almost never discussed. I'll bet anything Apple will be announcing further iCloud features and services that could be earth shattering, in my opinion.
Apple keeps saying they are going to do new and different things and they've also said over and over again how important and strategic iCloud is for them. So how about iPay or iBank or something along those lines? They've got the resources to do just about anything including many possibilities in the non-gadget world that could be an amazingly successful expansion to their business.
Something that might have gone under the radar is the iCloud Keychain feature to save credit card informations... it may be a step toward that... just need to integrate it with passbook/NFC/LBE/something...