It’s essential not just to rely on what worked in the past but to look toward the future. New players are entering markets with innovative models, regulatory asymmetries, and greater digital capabilities. It's vital to consider global trends, tools, and strategies.

Customers now seek not just competitive products and services but also dynamic, end-to-end brand experiences. Expectations evolve rapidly, and what satisfied customers three years ago might not suffice today.

Advances in technology enable greater efficiency, cost savings, new business models, improved customer experiences, and the ability to eliminate intermediaries. Technology is the primary enabler of digital transformation.