Predicting the next 5 years for enterprise: 1) Innovation will see increased spending as risk management and big data analytics become strategic priorities, with cloud adoption and mobile/social capabilities transforming collaboration and customer engagement. 2) Ubiquitous high-speed wireless connectivity and new interface technologies like augmented reality will drive digital transformation across industries. 3) Cost pressures will increase focus on efficiency and innovation to achieve target cost-income ratios, while startups challenge incumbents with new business models and customer experiences.