I think that even if the models were to plateau today, there are still a lot of room for improvement in all the tooling around them, people finding ideas of applications, and users getting used of them. So we're not done with the disruption.
Some of the apps made possible by smartphones only appeared a decade after they were made technically possible. A lot of the new use cases made possible by the Internet and broadband connections only became widely used because of Covid.
I was already using Skype 20 years ago to make video calls, but I've only seen PTA meetings over Zoom since Covid.