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