Before PayPal's creation, early retail sites had no choice but to accept payments in cheque form or through money orders. The genius of Levchin and Thiel’s idea is partly due to its innovativeness and partly to the fact that no other company has noticed the gap in the market for an online payment system.

Perhaps the most troubling insight from recent security research is that 80% of companies pass their annual PCI compliance assessment only to fail subsequent interim checks. This suggests something profound about our approach to security: we've developed a compliance culture rather than a security culture.

These days, everybody knows that content is King. Unfortunately, knowledge and acceptance of this mantra have led to the web bursting with pretty pathetic content. So many businesses have fallen into a 'more is better' way of working – quantity taking precedence over quality.