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A fundamental shift in technology is taking place as we speak, just below the surface of what the general public is aware of. It may still be unknown to the average Joe and Jane, but make no mistake: the technological innovation that will define the next generation of financial services, consumer electronics, smart contracts, healthcare, both private and government services, the sharing economy, and even our daily social interactions is already here. The technology I’m talking about isn’t self-driving cars. It isn’t a better smartphone or tablet. It isn’t artificial intelligence or even passenger drones. It’s called blockchain, and it represents the greatest technological leap forward since the Internet. The digital revolution of the 90s ushered in the widespread use of the World Wide Web and with it a new age of accessible digital information. The next generation, powered by blockchain, represents a mass disruption of a digital world that still relies on governments, old-fa