‘disruption

The emergence of streaming services like Spotify has introduced a new round of disruption into the business of music which has ridden the roller coaster of peer to peer and paid downloads for two decades. Digital music sales were down almost six per cent last year with individual song downloads

Most banks will process the majority of their transactions in the cloud within three years, 3D printing will upend multichannel retailing models but also generate huge $100 billion IP losses in some sectors, and insurers will abandon almost half of their customer facing mobile apps by 2016 due to poor