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Welcome to a virtual world where chats disappear, anything you want to watch or listen to is free and ‘truth’ lives in a search engine. If it is that important, then there’s an app.

On Thursday June 23rd, the British people will vote on continued participation in the European Union. Does anyone truly know what they are voting for and, moreover, are those that could determine the outcome of the vote being addressed at all?

Innovation is a slippery subject. The problem is that hype must first overcome experience and without the benefit of hindsight it’s difficult to tell an innovative development from an interesting diversion. Take eBay. Which aspects proved durable?

The failure of the American dream is a resentment that has been building up over decades culminating in the ‘unlikely’ rise of Donald Trump, whose rhetoric mirrors and exploits the economic anxiety, demographic resentment and fears for border security.

With epigenetics and cheaper ways to check for faulty genes, DNA has the potential to be big business. By next year, the DNA sequencing market could hit $10 billion and that’s before the profits of the consumer industries have been taken into account.

McKinsey that suggested that between 20% and 60% of banking profits globally were vulnerable to disruptive FinTech entrants but the surprise should be that it has taken this long to gain real momentum. And the most interesting question should be why?