proclivity is an independent consultancy specialising in helping businesses navigate the transition to digital technologies across payments, mobility and identity. the clever use of digital innovation can vastly improve efficiency and significantly enhance the customer experience. people expect leading companies to leverage new technology at an ever increasing rate; but they do not necessarily understand the technology they are using. new technologies can offer great benefits to organisations and customers, however they can often fall short of expectations. the right technology deployed to the right customer or channel can make best value of the technology spend.