JOSEPH A. DIVANNA is an independent author, consultant and global public speaker based in Cambridge, England, where he researches the nature of business over the last ten centuries and in the future. A thought leader and reengineering practitioner formerly with CSC Index's Research and Advisory Services, he is currently CEO of Maris Strategies Ltd.

• PART I: GETTING THERE: SENSING THE MARKET AND IDENTIFYING THE COMPETITIVE PROBLEM The Future of Money, Payments and Value Exchange Globalization, Mergers and Acquisitions The Advance of Technology Social Factors and Demographics PART II: BEING THERE: WHAT DO THESE FACTORS MEAN FOR YOUR FIRM Organization, Business Processes and Skills Rethinking Lines of Business Developing Revenue Opportunities and Fee Income Branding, Channels and Customer Behaviour PART III: COMPETING THERE: DEVELOPING STRATEGIC INITIATIVES Innovating New Products and Technology Becoming Customer Intimate Operational Customer Excellence Smart Sourcing and Engaging Partners

JOSEPH A. DIVANNA is an independent author, consultant and global public speaker based in Cambridge, England, where he researches the nature of business over the last ten centuries and in the future. A thought leader and reengineering practitioner formerly with CSC Index's Research and Advisory Services, he is currently CEO of Maris Strategies Ltd.

• PART I: GETTING THERE: SENSING THE MARKET AND IDENTIFYING THE COMPETITIVE PROBLEM The Future of Money, Payments and Value Exchange Globalization, Mergers and Acquisitions The Advance of Technology Social Factors and Demographics PART II: BEING THERE: WHAT DO THESE FACTORS MEAN FOR YOUR FIRM Organization, Business Processes and Skills Rethinking Lines of Business Developing Revenue Opportunities and Fee Income Branding, Channels and Customer Behaviour PART III: COMPETING THERE: DEVELOPING STRATEGIC INITIATIVES Innovating New Products and Technology Becoming Customer Intimate Operational Customer Excellence Smart Sourcing and Engaging Partners

JOSEPH A. DIVANNA is an independent author, consultant and global public speaker based in Cambridge, England, where he researches the nature of business over the last ten centuries and in the future. A thought leader and reengineering practitioner formerly with CSC Index's Research and Advisory Services, he is currently CEO of Maris Strategies Ltd.

• PART I: GETTING THERE: SENSING THE MARKET AND IDENTIFYING THE COMPETITIVE PROBLEM The Future of Money, Payments and Value Exchange Globalization, Mergers and Acquisitions The Advance of Technology Social Factors and Demographics PART II: BEING THERE: WHAT DO THESE FACTORS MEAN FOR YOUR FIRM Organization, Business Processes and Skills Rethinking Lines of Business Developing Revenue Opportunities and Fee Income Branding, Channels and Customer Behaviour PART III: COMPETING THERE: DEVELOPING STRATEGIC INITIATIVES Innovating New Products and Technology Becoming Customer Intimate Operational Customer Excellence Smart Sourcing and Engaging Partners