the most important telltale factor is the development of a simple and elegant user interface — a gateway of effortless interaction that plucks a tech… - Peter Diamandis

Even when there's automation, this doesn't always create the dire results we expect. Consider automatic teller machines (ATMs). When they were first rolled out in the late 1970s, there were serious concerns about bank teller layoffs. Between 1995 and 2010, the number of ATMs in America went from one hundred thousand to four hundred thousand, but mass teller unemployment wasn't the result. Because ATMs made it cheaper to operate banks, the number of banks grew by 40 percent. More banks meant more jobs for human bank tellers, which is why bank teller employment actually rose during this period.

But AI has leveled the playing field. Today, robo-advisors like Wealthfront and Betterment are bringing wealth management to the masses.

Most [organizations] think the key to growth is developing new technologies and products. But often this is not so. To unlock the next wave of growth, companies must embed these innovations in a disruptive new business model.