Blockchain is being touted as the next great technological disruptor, with financial firms investing heavily and cyber-libertarians hoping it’ll enable decentralised transactions and P2P commerce. But can it break into everyday usage, or will it become just another buzzword from the world of tech?

Rumbles of dissent against corrupt and disappointing governments are being heard worldwide. Through blockchain tech, Bitnation is creating a system of banking and governance that runs without any central authority. Can it offer a real alternative to the traditional nation state?

Blockchain technology is cutting out the middleman within music streaming, allowing artists to get paid directly for their songs. But with platforms like Spotify offering limitless listening without the burden of ownership, even the most devout music fans might resist a simplified market.

What does open banking mean? Where will fintech disruptors strike next? And what will result from an increasing acceleration away from cash? As part of our Expert Outlook 2017 series, we speak to three experts to explore the brands and tech impacting lending, savings and payments.