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We all know how the Internet has changed the lives of consumers: it's changed how we communicate, how we shop, how we meet people. It's changed things for businesses too.

There is an enormous market demand for information. It just has to be fulfilled in a way that fits with the technology of our times.

The evolving social and digital media platforms and highly innovative and relevant payment capabilities are causing seismic changes in consumer behavior and creating equally disruptive opportunities for business.

To bring out a new technology for consumers first, you just had a very long road to go down to try to find people who actually would pay money for something.

The world is now awash in data and we can see consumers in a lot clearer ways.

The rise of digital technology put marketers in a bind. No longer a captive audience, consumers were splitting their time across devices, social networks and websites.

I think we all realize the consumer has taken control, and they're not giving it back. So as every new technology comes forward, we have to figure out how to integrate it.

Being able to compete for consumers' attention and dollars over the preciousness of access is a thing of the past. Everyone is using the Internet to globally market a product.

People are used to getting a lot of information quickly, and they're used to being quite empowered as consumers, and they go to governments expecting a similar treatment; they want to find data and they want to influence events quickly, and yet they come into this brick wall.

We need to pass measures that protect consumers' private information while also encouraging new technological innovations.