For all the talk that 2013 was a disappointing year in tech, I tend to agree with Om Malik and Paul Singh: some big, big things happened in 2013, they just weren’t obvious. After years of observing the payments space and spending the last... | Tommy Nicholas | I build http://wehighfive.com to help people remember names and coffitivity.com (Time Magazine top 50 of 2013) to help people be more creative.