Benjamin Franklin was the father of practical solutions. Should you see Franklin in downtown Palo Alto today, he would not be working in a coffee shop on the next software app but in a garage tinkering with an Internet-of-Things (IoT)

For as many years as we've had customers, we’ve had strategies to manage those relationships. From dogeared Rolodexes to contemporary digital data mining, these strategies have become faster, more effective and expansive. Over the past four decades, the evolution of

William Gibson’s cyberpunk line in Neuromancer, “Don't let the little fuckers generation gap you,” is surely every tech corporation’s credo: How can retail, publishing, media, automotive, etc. stay relevant and revenue rich with a new generation of consumers. Each company

Denmark piqued the attention of the world by saying that in addition to dispatching Ambassadors to capital cities globally, it would appoint a new digital ambassador to the cloud to work with the digital titans.  90 years ago, Virginia Woolf stood

The bank’s service ladder is losing its rungs and is being pulled (kicking and screaming) into a marketplace where the consumer is in control.  A customer walks into a bank and asks for money. She will either hit the magic

How alternative financing companies can challenge the daily engagement banks still command with their customers. This holiday season, we witnessed the continued and painful decline of main-street retail as consumers increasingly shop on their mobile devices. Retailers are deploying omni-channel