The insurance market is a multitrillion dollar industry, which will inevitably be disrupted by new digital players. In addition to the threats presented by new Digital Enablers and new entrants, the insurance industry is undergoing fundamental structural regulatory changes.

The European venture capital industry is really just making money for America. It has one play in its playbook: to find the best European tech entrepreneur from Helsinki to Madrid, and to sell their business to a US technology platform company, 25 of whom buy most of the continent's venture-backed start-ups.

Why should you care? This doesn't matter if you are concerned only with creating start-up supernovas. If you take a short-term view, as soon as you cash out everyone is happy. Why think too hard about the whoosh of value going to Silicon Valley's Palo Alto?

Digital technology has brought unprecedented change across all business sectors, and very few organisations can claim to be unaffected by the information age (e.g. via internet, mobile, social channels). However, this does not always translate to a need for that cause-all/cure-all catchphrase of technology or digital transformation.

Technology is all around us – our phones, laptops, games consoles and even our TVs can now connect us wirelessly to the web to enable us to socialise, search and, most importantly, shop.