Beyond 2020, three key changes have occurred:
1. Manufacturing and retail have been disrupted, with 25% of products now printed on demand and expensive physical products having become free services.
2. Business processes have been transformed by ubiquitous connectivity and automation, with 90% of processes now online and audited in real-time and customers directly managing their own service.
3. Societal changes have emerged, with population growth limited in rich countries, selective incentives for euthanasia, and young people now managing fractal investment portfolios and committing electronic crimes.