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1Cover page 3Editor’s note 6The Local International 10Building A Dual Space World 14Gearing Up For A Brave New World 19Riding The Disruption Rollercoaster 22Customer Satisfaction Delivered 24The Path To A Digital Future Lies In Nation-Building 27Harnessing The Skills Of The Digital Era 30Reigniting Partnerships For Greater Disruption 35JRA Solves Service Delivery Issues 36WWSA Begins Process Of Digital Transformation 37Santam Closes The 'Intermediary' Gap 38At A Glance