Digital transformation and business disruption from new technology is inevitable. Every CEO and board knows it. The only question is what exactly to do about it. As Charles Darwin told us, it's not the strongest of the species, nor the most intelligent, that survive, but the one most adaptable to change. Twenty percent of global market leaders will lose their No. 1 position to a company founded after 2000 because they couldn't adapt and create a new digital business advantage. The digital giants of today's information economy -- from Uber, Amazon and Google to Netflix, Facebook and Airbnb -- are those with agile, intelligent, personalized data platforms. They relentlessly network the vast volumes of user-generated data at their disposal to continually refine the individualization of their services at ever-expanding scale.