This document discusses maximizing the total experience for customers and consumers through a product-centric approach. It argues that digital transformation requires focusing on the total experience, including the mobile, user, customer, and employee experiences. The document recommends transitioning to a digital, product-centric delivery model organized around cross-functional product lines. This shifts the organization from decentralized and centralized IT models to one driven by business outcomes. Finally, it suggests that high tech, high touch approaches can drive human-to-human experiences.