b'Potential for DisruptionAuditing and regulations have the most potential for digital disruption, while internal processes and workflows will be heavily impacted as well. These disruptions will carry over into client expectations in the UK as this region is more likely to see their customer relationship management processes undergo a shift. Organizations in Europe are more likely to plan for digital potential in their sales and marketing operations, suggesting that buying and selling will have different standards in the financeand banking arena.Regional HighlightsCountryIndexCustomer Relationship ManagementUK139 Regulatory/ComplianceUK123 Sales and MarketingUK127 *Indexes against the average internet user28'