The pace of digital innovation and transformation is increasing rapidly and disrupting entire markets. Successful organizations are redesigning their offerings around customer experience by responding to what customers want in real-time on their terms. Customers now have more power and expect personalized, on-demand services available with a single tap on their mobile devices. Businesses must meet these new expectations through transparency, sustainability, real-time payments, and harnessing technologies like the internet of things and supercomputing to simplify processes and drive new opportunities.

2. The pace of digital innovation and transformation is
increasing. Entire markets, including manufacturing,
logistics and commerce, are being disrupted and
reinvented everywhere, and each new innovation
multiplies the potential for more.

3. CUSTOMER EXPERIENCE IS KEY TO SUCCESS
Successful organisations are redesigning their offering to bring a new
set of services to customers, and responding to what customers really
want. No longer are price tag and product enough to protect your
market share. Today's buyers are used to getting what they want at
the right price for them.

4. BECAUSE THE CUSTOMER HAS THE POWER
Whether your customers are Millennials, Generation Zs or multi-
national companies, they all share one trait: the need to be treated as
an unique segment of one. You have no choice but to meet that
expectation. Mobile technologies mean that –no matter where your
customers are– your competition is always one tap away.

5. THE NEW PARADIGM OF REAL-TIME PAYMENTS
ISO 20022 is essential for real-time payment systems, but we also
need harmonized market practices. Banks and market infrastructures
need to work closely together to achieve this across borders. Beyond
regulatory demands hides business opportunity through new customer
services and prospects for revenue growth.

6. WE NEED TO THINK GREEN
Sustainability in the supply chain is a talking point in boardrooms all
over the world, as executives have deemed it as vital to delivering
long-term profitability. It has replaced financial costs, value, and
speed as the dominant topic of discussion among purchasing and
supply professionals.

7. INCREASED TRANSPARENCY
Businesses should choose radical transparency. Customers are more
informed and want to do business with companies that match their
beliefs and values. And transparency is about honesty. A great
corporate culture has become very important.

8. INTERNET OF THINGS ECOSYSTEM
The Internet of Things (IoT) and Industry 4.0 are changing traditional
business models by connecting people, products, and assets.
Manufacturers are investigating how these new technologies can help
their customers get more value and how new business engagements
can change established business models.

9. SUPERCOMPUTING IS MAKING OUR LIVES EASIER
Business applications were islands. Their use resulted in batch jobs,
data redundancy, and high costs to run. But supercomputing, a
technological breakthrough that is able to store, manage and analyze
huge batches of data into a single platform, has the ability to reduce
costs and simplify our business processes.