"Change is something that is expected and, therefore, not resisted." — Abigail Johnson

I'm a believer. I'm one of the few standing before you today from a large financial services company that has not given up on digital currencies.

When everyone is running the machine, and it's all working, there's a tendency to look at the short term and focus on incremental opportunities and not look ahead to the really big opportunities.

Every day, you get up, and the world is changing; your customers are expecting more from you. Your competitors are putting pressure on you by doing more and trying to beat you here and beat you there.

I am in a traditional financial services business - but we at Fidelity can see that the evolution of technology is setting our industry up for disruption. What if this technology could do for the transfer of value what the Internet did for the transfer of information?