It’s getting a little late to say Happy New Year! However warm wishes to you for the duration of 2019. I managed to get in a different frame of mind for while, helped by a switched-off vacation in Tonga, now I’m fully in the fray with a variety of client engagements, with dominant themes this month and next the future of finance and financial services, and working with boards and directors on innovation and governance. In my next newsletter I’ll share a little on my research themes for this year, as we rapidly head towards the long-awaited and much-foretold 2020!