With IoT transformation, changing the organization brings its own set of pain points The need to radically retrain and We’re going to see more upgrade the skills of employees change in financial services is the greatest challenge we’ll face in the next five years than we in our careers saw in the past 30 –CEO, Telecommunications –CEO, Payments Digital talent doesn’t stay It’s not the technology that’s here long because there is the hard part, it’s the culture nowhere for them to grow change –SVPof Digital BU, Media –CEO, Software The innovation committee sits in The business heads don’t take me an ivory tower and isn’t close seriously – how can I get them to enough to the customer needs adopt new technology? –GM of Digital BU, Media –Chief Digital Officer, Global Bank McKinsey & Company McKinsey & Company 39