The competitive advantage isn't the technology; it's how quickly you can get your people leveraging it effectively.

Troy Segal is an editor and writer. She has 20+ years of experience covering personal finance, wealth management, and business news. Toby Walters is a financial writer, investor, and lifelong learner.

Neal has more than 20 years of experience in financial and business journalism covering retail investing, airlines, pharmaceuticals, healthcare, sustainability, technology, and retail. He has worked ...