Digital transformation is doomed to failure or at best second class outcomes unless there is clear leadership and cultural change. The speed of digitisation is dependent on the ability of people to transition from today's systems and processes to the new business model and platform.

It is rarely a technology issue- no need to change today's legacy systems when you can wrap a digital layer around these complex, inflexible and rarely understood leviathans. 

See "wrapping-digital-platforms-around-legacy-core-systems"

No- it is having the CEO lead the digital charge - ably supported by change management and digital officers. See "CEO's road map for a digital transformation" and then follow the link below for more good advice.