What industry sectors are ripe for disruption?

Purchasing items online often still requires you to present your account details to the business you're purchasing from; which gives them all of the information they'd need to make purchases impersonating you.

An improved model would be to go somewhere you already have a trusted relationship (i.e. to your bank's site) and ask them to pay the vendor from your account; thus the supplier receives payment without any way to reuse the information supplied.