To monitor means to supervise and continually check and critically observe. It means to determine the current status and to assess whether the required or expected performance levels are actually being achieved. This is the fifth in the series on the Top 10 Disruptive Technologies that will transform risk management in the 2020s. This week, I look at how IoT technology can be extended to deliver real-time monitoring of risk for more than just physical environmental metrics. In my 2013 book "Mastering 21st Century Enterprise Risk Management," I suggested "horizon scanning" as a method for monitoring risk and threats.