LIVING AND WORKING IN A POST COVID-19 WORLD OLOF SCHYBERGSON Olof Schybergson, chief experience officer at Accenture Interactive, shared insights from the Fjord Trends for 2020 and discussed how they will impact customers, employees and businesses as we look beyond the pandemic. Though the report was compiled before the COVID-19 outbreak changed the world, the trends remain as relevant as ever. Olof said that COVID-19 has turned our world upside down, changing what it means to be a customer, an employee, a citizen, and a human being. The way we shop, socialize, work and move around have all been disrupted. Businesses also face difficult decisions and no industry is immune. In a month, the average global insurer lost 35 percent of its market capitalization. AN INNOVATION AGENDA FOR THE COVID-19 ERA 05