The top ten apps according to Gartner, a world’s leading information technology research and advisory company in the near future would be as follows.
1) Money Transfer
2) Location-Based Services
3) Mobile Search
4) Mobile Browsing
5) Mobile Health Monitoring
6) Mobile Payment
7) Near Field Communication Services
8) Mobile Advertising
9) Mobile Instant Messaging
10) Mobile Music

As we can see from the list, I feel smart phones will be going to be the used in two major areas i.e location based services and payment which given its form factor and technology that is being built into that makes it as a ideal tool.