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Digital Disruption & BeyondWhere are We Now and What Lies Ahead?

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Digital Disruption & Beyond

Aluminum cannot save you anymore!!!They are reading your digital trail.


The University of Cambridge Study


Predictive Modeling & Human Behavior – Social, Cultural & Ethical DimensionCountless highly accurate predictions can be made from trace data, with varying degrees of personal or societal consequence (e.g., search engines predict hospital admission, gaming companies can predict compulsive gambling problems, government agencies predict criminal activity). Predicting human behavior can be both hugely beneficial and deeply problematic depending on the context. • What kinds of predictive privacy harms are emerging?• And what are the implications for systems of oversight and due process protections? For

example, what are the implications for employment, health care and policing when predictive models are involved?

• How should varied organizations address what they can predict?

Predicting Human Behavior by Alex Rosenblat, Tamara Kneese, and Danah Boyd A workshop primer produced for: The Social, Cultural & Ethical Dimensions of “Big Data” March 17, 2014 - New York, NY

Digital Disruption & BeyondOfficial Definition

Digital disruption is the change that occurs when new digital technologies and business models affect the value proposition of existing goods and services.

Unofficial Definition – 5 people in a garage now have access to the same technology as the “Big Guys” to provide goods and services disrupting entire business models and multi billion dollar industries.

Often confused with disruptive technology described as a new technology that displaces an established technology. Ex. PC displaced the typewriter and forever changed the way we work and communicate.

Digital Disruption & BeyondDoes it seem that things are moving faster than ever before?

• Moore's law states that the number of transistors on integrated circuits doubles about every two years. Moore's law predicts that this trend will continue into the foreseeable future.

• Most experts expect Moore's law to hold for another two decades. Some studies have shown physical limitations could be reached by 2017.

• Thanks to nanotechnology, some transistors are smaller than a virus.

• We do know that the doubling of the number of circuits has slowed, and integrated circuits cannot get much smaller as transistors approach the size of an atom.

Digital Disruption & BeyondDigital Disruption, No Big Deal Right?

• We’re at a critical time for the digital economy.• Digital is no longer the shiny front end of the organization – it’s

integrated into every aspect of today’s companies.• Leaders are struggling to set a digital strategy, shift organizational

structures, and remove the barriers that are keeping them from maximizing the potential impact of new digital technologies.

• Time of adaption of new ideas and business models have never been faster.• Competition has never been greater due to technology access.• Technology barriers upon us have never been this great. Basic laws that

have predicted past progress are going away.

Digital Disruption & BeyondThe Problem.

• The problem is that we are trying to predict the future and solve problems based upon an historical perception and that’s why most are missing it. This is all new never experienced before. There is no historical reflection.


Why is Digital Disruption a Big Deal?


Media – 72% Disruption Expected

Why: The digitalization of the media industry has been driven by changing

consumer behavior and expectations, especially among younger

generations who demand instant access to content, anytime, anywhere.

The worlds aging population is leading the demand for health and

wellness, entertainment and education services designed for older

people. Urbanization has contributed to increased demand for media

offerings around commutes and busy work lives.World Economic Forum Report


World Economic Forum Report

The Next Step


Media – 72% Disruption Expected

Why: New Studies show average attention spans have dropped from 12

seconds in 2000 to 8.25 seconds in 2015.

Average attention span of a gold fish = 9 seconds

National Center for Biotechnology Information, U.S. National Library of Medicine

Digital Disruption & BeyondWhy is Digital Disruption a Big Deal?

• It is estimated that 40% of all the Fortune 500 companies will be extinct in 10 years.

• Here are some statistics:

45% of companies not addressing.

43% of companies not responding.

32% of companies taking a follower approach.

25% of companies actively responding to Digital Disruption.

(Resource: Business Insider, 6/8/2015)

Digital Disruption & BeyondWhy are companies not addressing?

• Cash Cow – Not willing to make the change.

• Business as usual.

• Someone else will do it.

• Get to it later.

• Can’t see vision.

• The world will always need my product.

By the time these companies realize they are in trouble, there will not be enough time or resources to recover.


Why are companies not addressing?

• Companies must set up two speed organizations

• Heritage organization

• Startup digital disruptive company

Running all at the same time.

Some companies must sacrifice the benefits of today to be prosperous in the future.

Digital Disruption & Beyond“Enterprises once protected by significant investments and regulations now run the risk of going the way of encyclopedias and record stores if they don’t embrace digital transformation.” - Aaron Levie, CEO of Box.

Aaron Levie, the 28-year-old CEO of the billion-

dollar cloud-computing company Box

Digital Disruption & BeyondBehaviors propelling businesses - Millennials don't care about owning anything.

• The tendency of millennials to rent instead of buy is turning the retail industry upside down. The younger generation is increasingly "looking for less expensive alternatives to ownership.

• Battered by student loan debt and the Great Recession, Millennials place less emphasis on owning and more on sharing, bartering and trading to access coveted goods.

• These behaviors have propelled businesses such as car rental service Zipcar, taxi service Uber and home rental site Airbnb."

• And the trend is extending into clothing.(References: Business Insider Retail, Reuters Report, Retail Prophet)


Business World - Business models are changing.

• The new model is I don’t have to own everything.

• I rent, share, or purchase only what I need. I don’t know everything.

• I can partner.

• It is more important than ever for companies to listen to their customers and what they want.

• Examples: The Cloud, Knowledge and Talent Sharing, Niche Services

Digital Disruption & BeyondThe Digital Disruption Has Already Happened

• World’s largest taxi company owns no taxis (Uber)

• Largest accommodation provider owns no real estate (Airbnb)

• Largest phone companies own no telco infra (Skype, WeChat)

• Worlds most valuable retailer has no inventory (Alibaba)

• Most popular media owner creates no content (Facebook)

• Fastest growing banks have no actual money (SocietyOne)

• World’s largest movie house owns no cinemas (Netflix)

• Largest software vendors don’t write apps (Apple & Google)

Digital Disruption & BeyondThe world’s largest taxi company (Uber) owns no taxis

• Just a few years ago who would have thought we would pull out our phone to order unmarked cars with random strangers driving us from point A to point B.

• Despite local battles with city councils and taxi unions around the world, Uber’s estimated revenue in 2015 was $10 bn. Estimated worth is between $40 bn and $50 bn.

• If valued at $40 bn, that values Uber at 1.5 times the capitalization of Twitter and gives it the same capitalization of Salesforce.com, Delta Airlines and Kraft Foods.

• Company was founded in 2009. Over a billion people have used the service.


The world’s largest accommodation provider (Airbnb) owns no real estate

• Airbnb has taken the accommodation world by storm by enabling house and apartment owners to generate additional income by renting out their properties for nights and weekends.

• Valued at $25.5bn, Airbnb is estimated to be worth more than hotel giants Marriott ($20.90bn), Starwood ($14bn), and Wyndham ($10.01bn). Hilton Worldwide is valued at $27.7bn.

Digital Disruption & BeyondThe world’s most valuable retailer (Alibaba)

has no inventory

• Originally designed as a business-to business portal.

• Site now handles more than $170bn worth of sales.

• Company went public on New York Stock Exchange, it netted $25bn in the biggest IPO in history.

• Alibaba doesn’t have any retail premises nor does it carry any inventory, rather it simply facilitates the exchange of goods for money.

Digital Disruption & BeyondThe largest communications companies (Skype, WhatsApp, Facebook Messenger, Viber) own no infrastructure

• The most contentious battle yet in the telecoms space has to be the fact that while traditional fixed and mobile operators have invested in the underlying infrastructure to make broadband over computers and smartphones almost ubiquitous, the reality is consumers are using this infrastructure to make calls and send messages using services from Facebook, WhatsApp and others.

• Known as over-the-top (OTT) platform providers, services like Facebook Messenger, WhatsApp and Skype are eating the lunch of telecoms providers all over the world who are struggling with the digital disruption that they laid the groundwork for.

Digital Disruption & BeyondThe most popular media platform (Facebook) creates no content

• Established in a Harvard University dorm by Mark Zuckerberg.• Creates no content. Encourages people to share content and drive

traffic.• Revenues of $4.5bn, with the majority of this ($3.4bn) coming from

mobile advertising.• Every day, more than 8bn people are watching videos on Facebook.• 700m using Facebook Messenger every month.• 400m people on Instagram each month.• Facebook doesn’t create content because you, dear reader, are the

product.


The fastest-growing banks actually have no money

• With the onset of services from Kickstarter (crowdfunding) to Apple Pay (mobile wallets) and society’s increasing use of e-commerce, the very notion of carrying cash is heading towards obsolescence.

• Rise of peer-to-peer lending.

• SocietyOne allow savvy investors to connect with credit-worthy borrowers in a way that is cheaper, faster and more efficient for digital natives.

https://www.google.ie/url?sa=t&rct=j&q=&esrc=s&source=web&cd=9&cad=rja&uact=8&ved=0ahUKEwjT5PqJ06vJAhXCJw8KHXkLCSgQFgg_MAg&url=https://www.crunchbase.com/organization/societyone&usg=AFQjCNFKGz9_OWWnyjEDayQxMv2u3fXCNg&sig2=c11AOpVhyeTOsNJTgwdMDw

Digital Disruption & BeyondThe world’s largest movie house (Netflix) owns no cinemas

• The old format of linear TV has been turned on its head by Netflix, which began as a postal DVD service and has developed into a fully-fledged streaming service with over 69.1m subscribers worldwide, including more than 43m in the US.

• This has led to a culture of binge-watching, where fans of popular movie series or boxsets watch one show after another. This is threatening the very foundations of the traditional TV business and cinemas.

Digital Disruption & Beyond• The largest software vendors don’t write the apps (Apple,

Google, Facebook)

• In 2014 Apple revealed it had paid out $15bn to independent software makers and developers.

• App Store contained more than 1.2m apps.

• Apple economy is responsible for 629,000 jobs across Europe, including app developers and suppliers and people in retail.

• App revolution has added nearly 500,000 iOS jobs to the economy in Europe since the introduction of the App Store in 2008.

Future Predictions On What Lies Ahead

The Future = Change

• Jobs will be disrupted.• Technology will be used to replace jobs. This is really nothing new.• New jobs and skill sets will be created. Humans will still be necessary.• Disruption of traditional HR will demand a fundamentally different HR

strategy.• Customized talent management.• Decentralization of talent management.

Reference: Accenture, Digital Radically Disrupts HR


• 30% of bank jobs are under threat - Digital disruption is turning finance on its head -- and destroying tons of traditional banking jobs along the way. CNN Money US, April 4, 2016

• Jobs considered to be most at risk from digital disruption include insurance underwriters, mail carriers, data-entry operators, loan officers, cashiers, file clerks, taxi drivers, truck drivers, accountants and auditors and meter readers. : Weekend Australian Business Review, March 24, 2016

• Robot builder designed for construction sites. The robot bricklayer is just one example of the fundamental changes via automation that are occurring in the building sector of the jobs economy. More machines and fewer humans, just like the rest of the economy. Limits to Growth 3D Animation, December 8, 2016



THAT’S THE WAY IT WAS AND WE LIKED IT!

What’s Driving The Future

• Economics – Pressure on industry and consumers in the pursuit of greater value at less price.

• Create a new era of innovation.


Where Are We Headed?New Innovation• Integration of services – “Digital cohesion”

where applications connect to create mega services to enhance our lives.

• These mega services all start with great knowledge and access to information.

• It will need to understand all types of data.


New Innovation Continued

Artificial Intelligence• Transform from user initiated tasks to predicted

services. Services know when you need them. Decision making reduced to a bare minimum.


New Innovation Continued

• Adaptive instead of Static Services. Learn and understand you, your preferences, your habits and will get better as a result.

• Someone will pull all of this data together into a service fabric to create value.


New Innovation Continued• Automation is predicted to be the next big thing

in networking. (Even IT is not protected from Disruption)

• Predictive and Adaptive Networks – Self Healing. Understands where the issues are before they actually happen and does something about it. Result: Reduction in manual work to keep them functioning.

• Interoperability to reduce inefficiencies.


Digital Disruption & BeyondSensors• Currently, 14 billion sensors are attached to

resource flows, warehouses, road systems, factory production lines, the electricity transmission grid, offices, homes, stores, and vehicles, continually monitoring their status and performance and feeding big data back to the Communication Internet, Energy Internet, and Transportation and Logistics Internet.

• By 2030, it is estimated there will be more than 100 trillion sensors digitally connecting the human and natural environment in a global distributed intelligent network.

Digital Disruption & BeyondThe Internet of Humans (not Things)—Sensors, Health, Fitness, & Healthcare

• Consumer health and fitness showed a 290% growth in the consumer wearables sector for 2015. Expanded into mobile space.

• The market for measuring humans in the healthcare industry is perhaps bigger than consumer health and fitness. Poised to grow 56% each year through 2019 reaching $15bn from $4bn in 2014.

Digital Disruption & BeyondHealthcare - Nanotechnology in Cancer

• Nanotechnology—the science and engineering of controlling matter, at the molecular scale, to create devices with novel chemical, physical and/or biological properties—has the potential to radically change how we diagnose and treat cancer.

• This emerging field involves scientists from many different disciplines, including physicists, chemists, engineers, information technologists, and material scientists, as well as biologists. Nanotechnology is being applied to almost every field imaginable.


Other advances in technology:

• Drones – will see 142x improvement in this technology in the next 6 years.

• 3D printing – Can print food. Print airline wings, Print toys, other parts and goods. Print on demand. Estimated to eliminate 320 million manufacturing jobs.

• “The auto industry is poised for more changes in the next five to ten years than it’s seen in the past 50.” – Mary Barra CEO General MotorsSelf driving vehicles will displace 10’s of millions.



Robotics

• $20K you can have your own robot that you can program.

• Hotels are using overseas to cater to hotel guests.

• Robotic Suites• Super Strength

• Paraplegic Exoskeleton



Robotics Continued – 2014 Paraplegic Man Kicks World Cup Opening Using Mind Controlled Exoskeleton Suit.



• Quantum Computing - use the power of atoms to perform memory and processing tasks. May see the launch of the first true quantum computers in 2017.

• A classical computer performs operations using classical “bits” — these “bits” can be in only one of two states: “0” or “1.”

• In contrast, a quantum computer uses "quantum bits," or "qubits." Thanks to a principle called quantum superposition, these qubits can have a value of “0”, “1,” or both “0 AND 1” at the same time.

Quantum computers may well be the sixth paradigmMassive Disruption


Changes in Education

MOOC (Massive Open Online Courses) - Free Online Courses for everyone by the Best Universities and Entities. Degree options by leading Universities and colleges worldwide.

Udemy is the world's largest destination for online courses. Discover an online course on Udemy.com and start learning a new skill today. Cost – Starts at $19.00 per course.

Debate: In An Online World, Are Brick And Mortar Colleges Obsolete? "More Clicks, Fewer Bricks.”


Changes in Education

Experience Learning vs Classroom or Book

Digital Cohesion Era – Learning comes from life and experiences. Ex. Augmented Reality, Virtual Reality

• Child walks through the Lincoln Memorial looking up and seeing Martin Luther King actually recite his “I Have A Dream” Speech.

• Games that take everyday tasks like a trip to the grocery store and creates a learning game with a practical outcome.

Digital Disruption & BeyondChanges Financial Structure

• BitCoin to FedCoin – Federal Reserve could create its own digital currency, one in which each of its banks could be a node in its public ledger and its digital dollars would trade at a one-to-one exchange rate with the physical dollar (meaning that one Fedcoin would always be worth one dollar).

• The emergence of private digital currencies (such as Bitcoin) has shown that it is possible to transfer value securely without a trusted third party.’—The Bank of England.

How we pay for goods and services


Changes In Financial Structure

How we pay for goods and services• In February 2015, the Bank of England released a discussion

paper that listed areas for research to be undertaken by the world’s major central banks.

• Last year, the Central Bank of Barbados studied the effect of adding cryptocurrency to its portfolio of reserve currencies.

• The Central Bank of Russia established a blockchain working group in February.

• In June 2016, representatives from central banks in 90 countries showed up in Washington, D.C. for the aforementioned meetings (Called “Finance in Flux: The Technological Transformation of the Financial Sector,” which took place inside a Federal Reserve building).

Block Chain is a distributed database that maintains a continuously growing list of ordered records called blocks inherently resistant to modification of the data.

Digital Disruption & BeyondConcerns – Data Use

Intelligence Community Comprehensive National Cybersecurity Initiative Data Center, is a data storage facility for the United States Intelligence Community that is designed to store data estimated to be on the order of exabytes or larger. The data center is alleged to be able to process "all forms of communication, including the complete contents of private emails, cell phone calls, and Internet searches, as well as all types of personal data trails—parking receipts, travel itineraries, bookstore purchases, and other digital pocket litter

Utah Data Center, Bluffdale, Utah (United States)

https://en.wikipedia.org/wiki/Bluffdale,_Utah

https://en.wikipedia.org/wiki/United_States

Digital Disruption & BeyondConcerns – Data Use

Why using this Amazon device may mean losing your privacy.

• Prosecutors Get Warrant for Amazon Echo Data in Arkansas Murder Case. The company declined to do so, but the case raises bigger questions about IoT privacy. Other SMART home devices including a water meter were examined.

• The case is putting a spotlight on how newer types of personal technology have become sought-after pieces of evidence.


Concerns – Data Use• End-User License agreements - EULA - Terms and Conditions.

• Third Party Developers and Apps.

• Big Data Diversity is Complex and Data Consumers can be anyone.

• Lack of Digital Governance and Privacy Rules leaves Consumers at Risk.

• Privacy vs Convenience (Consumers must demand) • Ultimately, Facebook, Google, and the rest will do what the market will support. • The pattern is clear. Surveillance concerns may make headlines, but users will

choose their favorite websites and services over privacy almost every time.

Digital Disruption & Beyond• Concerns – Data Use

Data Breach – 2014 Credit Card Information2015 Medical Information2016 Shame/Extortion (Ransomware)

Ransomware is the same old crime, New High Tech MethodsThe first American ransom note was used in a kidnapping in 1874 in Philly.(Source: Smithsonian.com, The Story Behind the First Ransom Note in American History, By Carrie Hagen, December 9, 2013)

Cisco Systems has declared ransomware the most profitable type of malware attack in history amid international efforts to stem the global crime wave. The average ransom charge by hackers during such an attack is $300 to $500.

2017 Extortionware - Ransomware’s more targeted lucrative cousin, is emerging and causing major financial damages because of the sheer size of the payouts demanded when highly sensitive data is threatened with exposure. This will go largely unreported.


Concerns – Data Use• Hackers Quarterly – states “We question why people

continue to “gladly” give their private info to companies if it’s a foregone conclusion that it’s eventually going to be leaked. Nothing seems more foolish.” The Hackers Quarterly Volume Thirty-Three, Number Three Autumn 2016

Digital Disruption & BeyondConcerns – 2016 Biggest Data Breaches21st Century OncologyAdultFriendFinder.comCiscoDemocratic National CommitteeDropboxDYNInternal Revenue ServiceLinkedInMedstar Health Inc.


Concerns – 2016 Biggest Data Breaches

Multiple Major E-mail ProvidersEstimates 57 million Mail.ru accounts

33 million Hotmail accounts24 million Gmail addresses

Along with username/password combinations that seem to belong to employees of major banking, manufacturing, and retail companies.

Identity Force Publication

Digital Disruption & BeyondConcerns – 2016 Biggest Data BreachesOraclePremier HealthcareSan Francisco Municipal Transportation AgencySnapchatU.S. Department of JusticeU.S. Department of the Treasure, Office of the Comptroller of the CurrencyUC BerkeleyUniversity of Central FloridaVerizon Enterprise SolutionsWendy’s Yahoo


Concerns – Data UseAshley Madison hack changed its victims’ lives• In July 2015, a group calling itself "The Impact Team" stole the user data

of Ashley Madison, a commercial website billed as enabling extramarital affairs. The group copied personal information about the site's user base and threatened to release users' names and personally identifying information if Ashley Madison was not immediately shut down.

• the database of ruin emerges as companies combine their treasure troves of data to create one database so complex and colossal that it cannot ever be destroyed — a sort of Big Data Singularity. But as any member of Ashley Madison can tell you, databases of ruin have already arrived.


Nine Fears about The Future of Data & TechnologyEdelman and The University of Cambridge Psychometrics Centre have carried out the largest study in history of public’s vs marketers’ perception of predictive data & technology.

1. Fears relating to privacy are consistent across age, gender, country and personality.

2. There is a deep lack of trust in data-driven businesses and in government. 71 percent of people thought most companies with access to their personal data did not use it ethically; only 26 percent of people trust the government not to sell their electoral roll and demographic data without their consent.


Nine Fears about The Future of Data & Technology3. Marketers are at serious risk of overestimating how comfortable

consumers are with predictive technology.

4. There’s a clear gap between how consumers want predictive technology to be used, and how it’s actually being used84 percent of people thought predictive tech should be used to improve the quality of healthcare and 47 percent of people thought it should be used to determine the price of their car insurance.

5. Yet Businesses are investing in smarter Big Data regardless77 percent thought their organization ought to invest in predictive data and 94 percent said it was important for them to understand the psychological attributes of their customers.


Nine Fears about The Future of Data & Technology6. Consumers’ fears, whilst universal, are nuanced

There is demand for personalized finance, yet distrust of actuarial prediction. The majority think predictive tech should not be used to assess mortgage eligibility or likelihood of default (62 percent and 67 percent respectively), but were open to its use for better account management and advice.

7. Overcoming peoples’ fears requires Privacy, Transparency & Relevance66 percent of people would prefer to see personalized advertising, assuming they have to see some advertising. Privacy, transparency and relevance are the building blocks of effective Big Data-based marketing.


Nine Fears about The Future of Data & Technology8. Beyond fear lies opportunity

‘Pay for Privacy’ is a real opportunity for traditionally data-dependent businesses. 27 percent would pay $3 a month to use Facebook without their behavior being recorded. Offering paid options helps remind consumers that their data has value, and that even if they use a service for free, they are still effectively paying for it.

9. Demand for secondary services from IoT data is soaring57 percent of people thought that e.g. smart fridge data should be used to recommend groceries to them when they go shopping; 58 percent would like to be automatically warned of unhealthy dietary habits.


Concerns – Security

Today’s security posture is not going to work for the future.

A new way of thinking about security from an architectural standpoint is needed.

Trust is key to enabling the future.


Concerns – Security200 million government records worldwide were already compromised by July 31, 2016. That’s nearly 60 million more than all the records compromised from 2013 through 2015 — combined.

Source: IBM X-Force Interactive Security Incidents data



Source: Security Intelligence

IBM X-Force Interactive Security Incidents data,

August 10,2016

25.71% of Government Record Compromised due to Misconfigured Systems per 2016 Data.

Example: Spear phishing used in the John Podesta, Colin Powell and the DNC hack by Russian hacking group Fancy Bear.



Imagine what could be done to you and your organization in similar attacks…?

“Nearly half of all cyberattacks are committed against small businesses…

As many as 80 percent of small to medium sized businesses don’t have data protection of email security in place...

Small businesses – who don’t train their employees on security risks –are susceptible to the Business Email Compromise Scam (BEC), which the FBI says has led to over $3 billion in losses.”



Note: In the 2016 Cyber Security Intelligence, IBM found that 60% of all attacks were carried out by insiders. Of these attacks, three-quarters involved malicious intent, and one-quarter involved inadvertent actors.

Digital Disruption & BeyondInformation Management and Governance Future (?)• The Internet of Things will likely prove to be the biggest challenge records

management professionals have ever faced to date.• The CRM’s role and skill sets will continue to change.• ECM solutions will continue its expansion with other core business applications

and content repositories.• Growth in Social, Cloud and Mobile capabilities.• ECM software growth in Medical. Gap exists now.• Vertical and Horizontal solutions. Vertical = within industry, Horizontal = across

different types of industry & customers.• Adaptive and Integrative (Digital Cohesion) services. • The sheer volume of data produced in the future will require the same

automation to manage it as it will to secure it.


Finally – Unpredictability is hard to measure in predictive models.

2016 put a strain on predictive analytics• Tom Davenport, founder of the International Institute of Analytics,

based in Portland, Ore. States that "As we become more reliant on machine learning, coming to terms with changes in the world that affect our models will be very important. There may be a tendency to trust a model once it starts working, but it became apparent this year that social trends can change quickly. It's important for businesses to constantly interrogate their models and adjust assumptions upon which they are built“


Today Can Be Better Than Yesterday.

I Have The Power To Make It So.

Digital Disruption & Beyond• Additional References

• The Story of Uber https://www.uber.com/our-story/

• How digital disruption changed 8 industries forever by John Kennedy https://www.siliconrepublic.com/companies/digital-disruption-changed-8-industries-forever

• Millennials don't care about owning anything, and it's destroying traditional retail http://www.businessinsider.com/millennials-are-renting-instead-of-buying-2015-5

• Lab on a Chip Lab-on-a-Chip breakthrough aims to help physicians detect cancer and diseases at the nanoscale

https://www.uber.com/our-story/

https://www.siliconrepublic.com/companies/digital-disruption-changed-8-industries-forever

http://www.businessinsider.com/millennials-are-renting-instead-of-buying-2015-5

http://www.nanowerk.com/nanotechnology-news/newsid=44108.php#ixzz4RVGiqfxv

Digital Disruption & Beyond• Contact Information

Steve Woodall, CRM, CISA, CPHIT, [email protected]

Phone: 817-595-2515

www.fpsolutionsinc.com

mailto:[email protected]

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