Digital transformation is challenging — and there are many “red herring” candidates for the toughest. Technology is tough — choosing the right approaches and platforms, and then implementing these intelligently. Talent is hard to come by — the necessary skills seems to be in short supply, and new talent brought in needs to complement and enhance existing institutional knowledge. But the real challenge is creating sustained cultural change: assembling and leading the right teams with the right mindset that work to build bridges within and beyond and organization, to implement successful transformative rather than incremental programs, and to disseminate learning and practice across the enterprise. In the end, it’s all about culture.