Introduction
The biggest impact that technology will have on business is how technology will be used to break the rules of the old game, and to create a new value proposition to the client that is based on a radically different financial and operational model. The technology per se will have a minimal impact on business unless it is used to change the business model in order to radically reduce cost or enhance the service provided to the client. The organisations that have the attitude towards change and the know-how to manage its consequences will be the first to reap the benefits in a world where business reformation will become a necessity.

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