1. Setting the Scene Peter Jenkins, Founder, NewGen Associates

3. Think Digitally & Think Laterally

6. rbs.com/cib Question 1: Which Country is the biggest use of Digital Banking? Vote Trigger 1.UK 2.USA 3.Papua New Guinea 4.Estonia 5.Iceland 6.Greece

7. Big Data Data Ownership Hidden Data

8. “We know everyone who breaks the law. We know exactly when you do it because we have a GPS sensor in your car.” “By the way, we don’t supply that data to anyone.” “There are plenty of people out there saying, ‘give us all the data you’ve got and we can tell you what we can do with it.’ “The data that we collect is our data and not Google’s data. When it gets close to our operating system, it’s hands off.”

9. Bad Technology

10. Good Technology

11. “Companies that have a Digital Asset are 5x the value of companies that don’t.”

12. Disruptive Digital

13. Think DigitalThink LaterallyThink Quickly

14. The wrong move is no move at all