The document discusses how digital transformation is changing the way people work. It notes that 100,000 banking jobs were lost in 2015 due to digital disruption. Digital waves since 1995 have disrupted industries like music, photography, video rental, print media, TV, travel and real estate. By 2020, the document predicts that all industries will be subject to digital disruption. This disruption changes the relationship with markets, experiences with products/services, positions in value chains, and gives mobile access to everything everywhere. Specifically, it enables radical transparency in businesses, humanization, working from anywhere, finding partners/suppliers from anywhere, new funding models, and virtual team collaboration - representing just the beginning of changes to the way people work through digital transformation.