Until now, the shift from brick-and-mortar to the smartphone has been about service, cost and convenience. Now, it's also a matter of public health. In some industries, this trend has been evident for some time. But now it's going to accelerate across the gamut of industry.

Pascal Dennis is a professional engineer, author and executive coach.

Pascal is the President of Lean Pathways and co-founder of Digital Pathways, a firm focused on harnessing technology to enable Digital Transformation.

Since 2000 Pascal and his team have supported leading international firms in a broad range of industries including automotive, aerospace, consumer goods, energy, health care and financial services.

He has authored six books and is a four-time winner of the Shingo Prize for Excellence. Pascal plays guitar and piano and is a dedicated songwriter and performer. He lives in Toronto with his wife Pamela.

www.linkedin.com/in/pascaldennishdd

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Laurent Simon is one the leaders of Datacom's Advisory and the co-founder of Digital Pathways.

Laurent is a recognised thought leader in Agile Transformation and Digital Innovation.

Since 2003, Laurent and his team have supported Financial Institutions, ICT fi rms and Government Agencies in 1) Protecting their core business with better digital experiences, 2) Igniting new sources of growth with new digital offerings or ventures.

Active contributor to the APAC startup ecosystem, he runs www.FutureFinTech.io, the Open Collaboration platform hosted by INSEAD business school.

Laurent loves anything outdoors: hiking, sailing, skydiving, skiing, rafting... After six years in Singapore, he now lives in Auckland with his wife Eiko-san.

www.linkedin.com/in/laurentsimonhdd

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Asia Pacific Bank's Organization Chart (Main Characters). 1. The Elephant and the Greyhounds. 2. Mapping Client Journeys to Grasp the Real Situation. 3. Understanding Our Blockers 4. Finding True North with Our Digital Strategy Compass. 5. Fostering Innovation in a Risk-Averse Culture. 6. Embracing New Ways of Working. 7. Launching Our First Wave Innovation Projects. 8. Launching Our Second Wave Innovation Projects. 9. Year-End Review at Asia Pacific Bank. 10. How Do We Accelerate Our Transformation? 11. New Digital Ventures. Appendix A - Singapore Places Featured in Harnessing Digital Disruption. Appendix B - List of Figures.