This report explores the pace of this technological change and shows that not only is the pace of change significant, but that many of the technology companies we use today for day-to-day activities in the grand scheme of time are actually very young and company longevity is continuing to decline. This suggests that not only is the pace of change faster, but the companies and people we deal with today may not be the ones we are dealing with in ten years’ time. We also discuss the role of technology as a potential disrupter to industries changing their business model as a result of shifts in technology, data and/or how a combination of how customers/clients and the sector can access and use such information. It is then also important to look at the role of technology as an innovator and as something which drives real changes and improvements. What does it mean in terms of big data, artificial intelligence, customer lead data and more devolvement of smart devices?