2015 scenario: Future by 2020. communications, marketing, management, leadership, virtual teams and virtual organisations. Customer focus in product design, advertising, brand development, software and hardware. Mobile marketing and positional advertising trends. Consumer use of personal organisers, smartphones and mobile devices, mobile phones and other technology. Virtual switchboards, virtual meetings and distance learning. Future bandwidth, video streaming demand, convergence and divergence of technology. Future innovations in communication. Mobile phone strategy for emerging markets and developed markets. Banking and financial services: Banks will become phone companies and telecom companies will become banks using personal organisers. Mobile payment systems, micropayments, mobile phone credit card transactions and loans. All innovation is divergent – doing things different and better. But most companies focus on convergence on price, quality, features.image, branding, winning customers, online marketing and building trust. Consumer changes, preferences and lifestyles. Keynote conference futurist speaker – Patrick Dixon. Energy saving, global warming, carbon neutral business and helping climate change. Videoconferencing and virtual teams. Winning the war for talent – motivation and leadership styles.