The authors would like to thank the Office of the CTO team, without whom this report would not have been possible: Carolyn Brown, Ed Burns, Abhijith Ravinutala, Adrian Espinosa, Heidi Morrow, Natalie Haas, Stephanie Hennig, Kelly Raskovic, Nathan Bergin, Raquel Buscaino, and Lukas Erb , Angela Huang, Sarah Mortier, and Nkechi Nokori.
Additionally, the authors would like to acknowledge and thank the extended team and collaborators: Diana Gorecki, Ben Heby, Lauren Moore, Madeline Scott, and Michaeli Robinson; In addition to the many Deloitte practice leaders who contributed to our research, the Deloitte Insights team, the Marketing Excellence team, and the Knowledge Services team.
![](https://zemsblog.com/wp-content/uploads/2023/02/ZEMS-Logo-5-2.png)