A recent report by MIT Sloan Management Review and Deloitte found that nearly 90% of managers surveyed report that their industry is likely to be disrupted by digital technologies. Yet less than half of the managers report that their company is doing enough to prepare for this disruption.  When digital is a focus, it is most often at the surface level or what is often equated as the "presentation layer" that the customer sees. A focus on the surface may create a few initial benefits in meeting p...