Even a small reduction in errors and rework can have a significant impact.

I'm a believer. I'm one of the few standing before you today from a large financial services company that has not given up on digital currencies.

No matter how senior you get in an organization, no matter how well you're perceived to be doing, your job is never done. Every day, you get up and the world is changing; your customers are expecting more from you. Your competitors are putting pressure on you by doing more and trying to beat you here and beat you there.

I demand pretty aggressive goal setting and a commitment to measured progress towards those goals because I don't like surprises. I don't even like good surprises.

My first company, Pure Software, was exciting and innovative in the first few years and bureaucratic and painful in the last few before it got acquired. The problem was we tried to systemize everything and set up perfect procedures.

Whether you're a government entity, a large enterprise, or a startup, a true digital transformation takes advantage of technology to focus on the customer, automates work that does not need manual interference, and unleashes your people to truly make decisions that change the path of your company.

I have always believed that technology should do the hard work - discovery, organization, communication - so users can do what makes them happiest: living and loving, not messing with annoying computers! That means making our products work together seamlessly.

It is possible to think that the Internet will be a net positive for society while admitting that there are significant downsides - after all, it's not a revolution if nobody loses.