Even some of the greatest technology-led revolutions, or allegedly technology-led, really were only made possible because of trends already present.

Even the once simple home mortgage now has so many flavors and styles and variations that it is difficult for people to make a decision.

Be dramatically willing to focus on the customer at all costs, even at the cost of obsoleting your own stuff.

Mutual funds were created to make investing easy, so consumers wouldn't have to be burdened with picking individual stocks.

The changing nature of money is only one facet of the financial services revolution.

We're still in the first minutes of the first day of the Internet revolution.

A brand is no longer what we tell the consumer it is - it is what consumers tell each other it is.