A brand is a voice and a product is a souvenir.

Access to goods, services & talent triumphs over ownership

Insurance and funding traditionally drive capital investment. But in a world based on access, not ownership, the duration, value, cost and extent of financial services is distinctly different.

Our ever-present mobile devices provide the immediate and convenient information necessary to make sharing things truly irresistible.

At the global level, there are a growing number of city-based bike-sharing programs, that take advantage of mobile devices to reserve your bike, keep track of it, and collect data that helps to improve the service.

Every time we share something rather than own it ourselves, we reduce the stress on the planet. That could make the critical difference as the global population continues to grow.

A new model is starting to take root and grow, one in which consumers have more choices, more tools, more information, and more power to guide these choices. I call this emerging model The Mesh.