Every time a company changes its CEO, many changes always follow. Some of those changes are positive. I expect this to happen at IBM as Ginni Rometty steps down and Arvind Krishna steps up as CEO. Let's take a look at the challenges he faces and what we can expect as investors, customers and workers. I have been following IBM for quite a long time.

Artificial Intelligence is the giant leap of our generation. It will transform the retail customer experience in the next few years. You must either be a leader or a follower, but you must be a player. Competitors who don't embrace this new technology will suffer the consequences, lose market share and even fail just like we have seen other retailers do over the years who didn't or couldn't make the leap. Growth waves always move forward and always transform.