Welcome to Volume 4 of NEXT Magazine.

In this issue:

OPINIONS

• Digital Disruption in Banking, Minus Most of the Disruption
• Invisible = All Things Distributed
• Robots, Unleashed

BUSINESS

• Digital Transformation: What's Most Important?
• Building Customer Delight into Your Company DNA
• Tech Hits Tipping Point

TECH

• Blockchain 2.0: Moving Beyond Bitcoin
• Success in a Multicloud Universe

LIFESTYLES

• Sarah Robb O'Hagan: Leading with Her Unique Self
• Finding Your Wilderness Warrior Spirit