Use technology to rebalance value to investors.  Internally, money managers are investing in artificial intelligence and big data capabilities and more seamless integration of front and back office processes.  Externally, leaders are building mobile and tablet apps, and expanding their use of social media.  In the future, innovative models, especially in the retail space, will integrate investing with elements of social media, interactive gaming and education. For institutional investors, technology will enable more proactive risk management and governance.