Authors Pradeep Roy Surya Mukherjee Project Team: Research Lead Research Lead Ajay Garg Global Europe Chiara Addis Technology Technology Ezequiel Tacsir Gargi Chakrabarty Jakub Wiatrak Krish Jhaveri Pradeep Roy is a Managing Director at Accenture Surya Mukherjee is a Senior Principal at Mariusz Bidelski and leads global Technology Research. He Accenture and Head of Technology Research Mélina Viglino is most active on topics which explore the for Europe. He has over two decades of Sandra Najem innovation potential of technology to drive experience as an advisor to platform Shachi Jain business reinvention and enable socio-economic providers and their users and has been Acknowledgments: transformation to create 360-degree value. quoted on the Wall Street Journal, ZDnet and Salena Gallo Computer Weekly. His interest lies in exploring Jennifer Cronin the transformative impact of technologies on Shannon Mapp industries, companies, and brands.