Zurich's Richard Sadler looks at how technical innovations are affecting the way in which people buy protection products. From the explosion of the use of PCs in the 1990s, the internet in the noughties and the smart phone a decade later, the pace of technological change in our daily lives is rapid and shows no sign of abating. I don't think anyone in the protection industry would claim we are at the forefront of this revolution, yet when you look back, there has been a major shift in the industry and how we have harnessed this technology.