20 THE TAKEAWAYS: * The new generation of "digital natives" is changing the business of banking and financial services-and practically every other industry too. The focus has shifted away from pricing and product to enhancing the customer experience, which requires a thorough understanding of your target customer. * Bankwest schedules "Hack Days" in which employees put aside regular work for 24 hours to focus on ideas that will resonate with target customers. * Because technology teams play a central role in delivering superior customer experience, the nature of the technology area needs to shift fundamentally within organizations. Companies must allow tech teams to work as trusted partners with the rest of the organization as they set one strategy, collaboratively, every single Toy Story opens in U.S. theaters, the first featurefilm to be made entirely with computer-generated imagery (CGI). 1996 1995 month-not just annually. eGold is launched, becoming the first successful digital currency system to gain a widespread user base and merchant adoption.