52. Public sector employers are (translated from Swedish): Government administration, State Enterprise, Municipal administration, County administration, Other public institutions, State-owned enterprises and organizations, and Municipally-owned businesses and organizations 53. Statistics are from publicly-disclosed data from Swedish central statistics database: http://www.statistikdatabasen.scb.se/ pxweb/sv/ssd/START__AM__AM0208__AM0208B/YREG18/?rxid=9084f4d2-6ff6-45c0-b2c7-8eafc2328495 54. The question was focused on laptops rather than computers or desktops. This question is part of the Deloitte member firms’ Global Mobile Consumer Survey, conducted in 13 developed countries. Fieldwork took place between May and July 2015. For more details, see Deloitte member firms’ Global Mobile Consumer Survey: www.deloitte.com/gmcs 55. Ibid. 56. Deloitte US’s Digital Democracy Survey, Ninth Edition, Deloitte Development LLC, 2015: http://www2.deloitte.com/us/en/ pages/technology-media-and-telecommunications/articles/digital-democracy-survey-generational-media-consumption-trends. html 57. The weekly number for Internet on a PC for 18-24 is 3h58 minutes, and video on a PC for the same age group is 1h47, for a total of 5h45 minutes per week, or 49 minutes daily. Nielsen Total Audience Report: Q2 2015 (page 10, table 1A), Nielsen, 21 September 2015: http://www.nielsen.com/us/en/insights/reports/2015/the-total-audience-report-q2-2015.html 58. The weekly number for Internet on a PC for 35-49 is 6h13 minutes, and video on a PC for the same age group is 1h50 for a total of 8h03 minutes per week, or 69 minutes daily. Nielsen Total Audience Report: Q2 2015 (Page 10 Table 1A), Nielsen, 21 September 2015: http://www.nielsen.com/us/en/insights/reports/2015/the-total-audience-report-q2-2015.html 59. See May I Have Your Attention, Please?, David Pakman’s blog Disruption, 10 August 2015: http://www.pakman.com/ 2015/08/10/may-i-have-your-attention-please/ 60. comScore MMX Multi-Platform, US, Canada, UK, March 2015 61. See May I Have Your Attention, Please?, David Pakman’s blog Disruption, 10 August 2015: http://www.pakman. com/2015/08/10/may-i-have-your-attention-please/ 62. Although there were changes in methodology between the Cross Platform and Total Audience Reports, they do not appear to affect the ‘Using the Internet on a Computer’ and ‘Watching Video on Internet’ measurement categories. See Nielsen Cross Platform Report Q1 2011 (page 6, table 1), Nielsen, June 2011: http://www.nielsen.com/content/dam/corporate/us/en/ newswire/uploads/2011/06/Nielsen-cross-platform-report-q1-2011_web.pdf; Nielsen Total Audience Report: Q1 2015 (Page 11 Table 1), Nielsen, 23 June 2015: http://www.nielsen.com/us/en/insights/reports/2015/the-total-audience-report-q1-2015.html 63. Deloitte US’s Digital Democracy Survey, Ninth Edition, Deloitte Development LLC, 2015: http://www2.deloitte.com/us/en/ pages/technology-media-and-telecommunications/articles/digital-democracy-survey-generational-media-consumption-trends. html 64. Ibid. 65. Millennial Banking Insights and Opportunities (pages 9 and 10), Fair Isaac Corporation, 2014: http://www.fico.com/millennial- quiz/pdf/fico-millennial-insight-report.pdf 66. The span of years during which generation X was born varies by author on the topic, but it is generally regarded as the age group between millennials and baby boomers. 67. Current Trends Among Millennials and Online Shopping, PFS Web, 14 August 2015: http://www.pfsweb.com/blog/current- trends-among-millennials-and-online-shopping/ 68. Do Millennials Actually Use Smartphones for Shopping? eMarketer, 16 April 2015: http://www.emarketer.com/Article/Do- Millennials-Actually-Use-Smartphones-Shopping/1012363 69. Deloitte US’s 2015 Holiday Survey, unpublished demographic data, Deloitte Development LLC, October 2015: http://www2.deloitte.com/content/dam/Deloitte/us/Documents/consumer-business/us-2015-holiday-survey-results.pdf 70. Deloitte Global analysis based on conversations with industry experts and a variety of publicly-available sources such as PayPal reports 15% growth in revenue in Q3, 28 October 2015: https://www.internetretailer.com/2015/10/28/paypal-reports- 15-growth-revenue-q3; Of 101 M iPhones now in U.S. installed base, 62% are iPhone 6 models with Apple Pay support, AppleInsider, 19 November 2015: http://appleinsider.com/articles/15/11/19/of-101m-iphones-now-in-us-installed-base-62-are- iphone-6-models-with-apple-pay-support. Deloitte Global has not considered solutions that have a limit on the purchasing amount. 71. The average cart abandonment rate across four countries on phones as of December 2014 was 79 percent: Cart Abandonment Rates on Black Friday – Cyber Monday Weekend, Barilliance, 3 December 2014: http://www.barilliance.com/cart- abandonment-rates-black-friday-cyber-monday-weekend/ 72. Six Trends in the Shifting World of Mcommerce, eMarketer, 9 July 2015: http://www.emarketer.com/Webinar/Six-Trends- Shifting-World-of-Mcommerce/4000114 73. As of November 2015, more than 200 apps had Apple Pay mobile payments enabled. iPhone, iTunes, Apple Pay, Apple TV, Safari are trademarks of Apple Inc., registered in the U.S. and other countries. Deloitte Global’s TMT Predictions 2016 is an independent publication and has not been authorized, sponsored, or otherwise approved by Apple Inc.. 74. As of October 2015, there were more than 60 models of fingerprint-enabled phones. Apple Spurs Massive Growth in Smartphone Fingerprint Sensor Market, IHS, 4 November 2013: http://press.ihs.com/press-release/design-supply-chain-media/ apple-spurs-massive-growth-smartphone-fingerprint-sensor-mar 64