This is the audio only version of Gerd Leonhard's entire keynote at DST Systems Advance 2017 Feb 12 in Phoenix AZ see http://www.dstsystems.com/events/advance?lang=re-INT?lang=re-INT covering the topic of digital transformation in business and society, and the key future trends for financial organisations in particular. Thanks to DST. You can download the slides used it this talk via google drive http://gerd.io/2oeXuu3 or browse my publicly shared PDFs at www.gerdcloud.net