Tremendous technology changes in recent years have made exponential leaps in the way we will communicate, interact and transact with each other for generations to come. The Internet of Things (IoT) has brought about the potential for low cost sen- sors on everything around us, on us and even in us. Blockchains and smart contracts with advances in encryption tools will pro- vide for the immutable trust and transparency required to build the foundation of Web 3.0. The collection of all this data will provide startling context to how we behave and make decisions through Better Data Analytics. Advances in Arti cial Intelli- gence through machine learning will change the way we interact with machines, our environment and each other forever. What does this mean to your business? What are the technology risks? We have now entered the Transformative Age – are you ready to do business in the future?