The document discusses how changes in travel technology and industry over the past 5 years have impacted travel risk management. Key changes include the rise of artificial intelligence, voice assistants, mobile devices, data access and breaches, work from home trends, and new forms of digital payments. These disruptions have created new risks from increased data access points, always-on connectivity from mobile devices, and the blurring of personal and business travel. Proper travel risk management now requires understanding these new technologies, channels, work patterns and their security implications.