I recently spent an energizing day with a client at a Silicon Valley innovation center. We were there to collaborate on a digital vision for the firm. I think the location helped, because we put pen to paper and came up with some fairly out-there ideas that were plausible enough to put the firm on its path to the future.

New products and new technologies were prominent in our thinking. As a group, we agreed that automation, machine intelligence, social, and mobile would all play roles in the business models of 2025 and beyond. But a higher-level theme of the exercise seemed to be rethinking the entire user experience. What will consumers want from their providers? How will they expect to engage? What types of models will the fit the lives of tomorrow’s buyers, when today’s buyers already seem to be shedding models that have endured for 30 years?

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