The message is clear, move with the times or risk being overtaken by competitors with new business models, new products and new services.

The pace of life and business is accelerating, indeed the life expectancy of most businesses today is less that ten years, compared with 65 years in the 1920’s.

Just look around and try and observe the businesses that have disappeared or are today threatened by technology and new ways of transacting.

Whatever happened to carbon paper, typewriters or indeed the typing pool of the 1980's?

Look at the decline in match manufacture and whatever happened to public telephone booths. There is an endless and growing list of businesses rendered obsolete by the march of technology, and the pace is quickening.