According to an article from Inc.com, Apple will be providing tools for non-programmers to create and manage their own apps. There will still most likely be a learning curve to creating an app, but it is still planned to be simpler than what has previously been available. While not every business might not have the products or services to need an app, it is still a possibility. The apps may not even be limited to giving to customers or clients, it is possible to create an app which could be used in-house for employees on the go.
So far these future features will be for Apple, so they will only work for Apple products but there is always a chance that an Android or Windows version may be released.
You can read the full article on Inc.com here.