Digital disruption is transforming industries as new companies use technology to create new business models and compete without traditional assets. By 2020, 50 billion devices will be connected to the internet, changing how consumers interact with companies and brands. Traditional industries like transportation, media, retail, and hospitality now have competitors that own no vehicles, content, inventory, or real estate. This widespread disruption is changing consumer behavior and the payments landscape, threatening traditional banks and financial services while opening opportunities for new alternatives and players. Companies must focus on customer experience, partnerships, convenience, community engagement, and relevance to stay competitive in this new digital environment.