![AI is reshaping the future of financial services, according to a new report by Deloitte. [shutterstock: 1068480284, Andrey_Popov]](https://e3zine.com/wp-content/uploads/2018/09/financial_services_shutterstock_1068480284web-845x355.jpg)
AI is reshaping the future of financial services, according to a new report by Deloitte. [shutterstock: 1068480284, Andrey_Popov]
Artificial intelligence is rapidly changing the way financial services institutions attract and retain their customers, and it will necessitate new models of collaboration amongst competitors, according to a new report released by the World Economic Forum with support from Deloitte.
![Digital Transformation is key to making organizations fit for the digital age. [shutterstock: 760384009, Olivier Le Moal]](https://e3zine.com/wp-content/uploads/2018/10/digital-age_transformation_shutterstock_760384009web-845x355.jpg)
Digital Transformation is key to making organizations fit for the digital age. [shutterstock: 760384009, Olivier Le Moal]
Unrelenting and unlimited: two words that spring to mind about the Digital Age. The advance of Digital Transformation is unrelenting and it creates unlimited new opportunities. Technology unlocks possibilities for innovation by removing previously existing limitations. However, the digital age is also leaving household names to struggle and even disappear. Why is it becoming so hard to survive for established players?
![Bill McDermott wants his customers to ascend to cloud-heaven. For SAP customers, however, McDermott's paradise looks more like hell. [shutterstock: 481711768, Sarawut Aiemsinsuk]](https://e3zine.com/wp-content/uploads/2018/10/bill-mcdermott_cloud_shutterstock_481711768web-845x355.jpg)
Bill McDermott wants his customers to ascend to cloud-heaven. For SAP customers, however, McDermott's paradise looks more like hell. [shutterstock: 481711768, Sarawut Aiemsinsuk]
SAP CEO Bill McDermott wants to go to heaven with the SAP Cloud Platform. However, naughty SAP customers can go anywhere - even to AWS, Google and Microsoft Azure. Maybe even into their own data center with HCM.
![The DSAG conference 2018 ran under the slogan "Business without borders - Architecture of the Future". [shutterstock: 481869205, Matej Kastelic]](https://e3zine.com/wp-content/uploads/2018/10/DSAG_Marco-Lenck_cloud_shutterstock_481869205web-845x355.jpg)
The DSAG conference 2018 ran under the slogan "Business without borders - Architecture of the Future". [shutterstock: 481869205, Matej Kastelic]
More than one-third of members of the German-speaking SAP User Group DSAG feel they have made good or excellent progress with digital transformation, which is a 3 percent increase in comparison to 2017. This was the finding of an online survey conducted this summer.
![GDPR has been in place for roughly 100 days. Still, many companies struggle to meet its requirements. [shutterstock: 178347398, Zerbor]](https://e3zine.com/wp-content/uploads/2018/09/GDPR_IT_shutterstock_178347398web-845x355.jpg)
GDPR has been in place for roughly 100 days. Still, many companies struggle to meet its requirements. [shutterstock: 178347398, Zerbor]
The General Data Protection Regulation (GDPR) has been enforceable for roughly 100 days. However, data leakage and corporate security news remain top of mind as stringent data protection continues to be challenge.
![Complex ERP systems have maneuvered SAP into a crisis. [shutterstock: 576862294, Brian A Jackson]](https://e3zine.com/wp-content/uploads/2018/08/autonomous_ERP_ERP_shutterstock_576862294web-845x355.jpg)
Complex ERP systems have maneuvered SAP into a crisis. [shutterstock: 576862294, Brian A Jackson]
Before I criticize SAP’s quality of service, here’s a comparison with existing SAP costumer Lufthansa: The service hotline of Miles & More will hang up on you if they don’t know what to do anymore. All I wanted was to claim missing air miles.
