Our COO Enda came across the chart below based on the beliefs of Nikolai Kondratiev, a Russian economist (long time dead). Basic assumption is that we are coming to the end of the Information Technology innovation wave and entering a new as yet undertermined wave. The diagram below speculates on drivers, one of which is ‘whole of system design’, where technology seeds into the background and becomes a functioning infrastructure….

Strangely enough this is part of the blueprint for Financial Simplicity….