If organizations cannot be confident in the integrity and security of information or services available online—if they cannot be confident that a transaction has not been altered in any way or intercepted by unauthorized parties—the use of digital transactions necessarily will be limited, because the risk is too great. In the past, efforts to address these issues often have involved the use of third-parties, which added to the complexity and the cost of digital services. Blockchain is a game-changer. This distributed public ledger system provides a means for improving both the security and transparency of digital transactions—and does so in a way that can be scaled up without driving up complexity or overhead costs.