In this episode, we will gather a world perspective on digital adoption and digital innovation, understand what stimulates innovation for the financial services market, and discover the distinction between leaders, learners, and laggarts. Nicols is a former financial services executive, managing director of the FinTech Forge, chairman of Next Money, and speaker at CUES CEO/Executive Team Network, Oct. 10-12, 2017, The Cosmopolitan of Las Vegas.