Opportunity or Threat.

Stephen Bird, Citigroup’s chief executive of global consumer banking, called the explosive emergence of new financial technology for payments and more “both an opportunity and a threat.”  This is a fantastic way to look at your biggest challenges.  It’s easy to spot the peril they pose to your business model, but the reward lies in seeing where the opportunity is — how you can turn the threat on its head and use it to your own advantage.  Once you begin thinking that way, the problem looks completely different.  So what challenge is waiting for you to uncover the opportunity inside?