Abstract: ETSI identified that “future work will take into consideration heterogeneous networks using LTE, 5G fixed and WiFi technologies that will include developer friendly and standard APIs, standard based interface among multi-access hosts and an alignment with NFV architecture”. However, the term added value requires disruptive technology that can provide value from a customer perspective which leads to characterizing the value stream for the products service(s). The main synthesis of this paper is to investigate disruptive IoT technology opportunities and user needs for securing interoperable connections of the next generation of digital business models. The following objectives will be analysed and presented; i) the customer objectives (identifying the system requirements and system design) for wireless communications; ii) IoT System dynamics and its value chain; iii) protocols, open API economy, and market analytics; iv) electronic transactions within the finance sector; and v) security. The outcome of this paper will inform the reader of the operational requirements assessments needed to provide Seamless Mobility through the management process of organizational cybernetics.