What do you think are 3 top concerns and opportunities for companies in each of the business models noted in this article? How do you think these digital changes will impact and shape how management will govern going forward? Address 3 focused areas. What role do you see regulation playing given the information provided in this article? Look at this from both sides (the firm side and the governance side). You may pick an industry, personal work example or an area of interest within the realm of this topic