Visit NAP.edu/10766 to get more information about this book, to buy it in print, or to download it as a free PDF. Novel technologies are one of the principal means of surprising enemies or competitors ...

"Digital banking" emerged with heightened consumer demands for more efficient ways to access banking records and complete financial transactions outside of local branches. Digital banking is the ...

In 2005, the Director of Plans and Programs in the Office of the Director of Defense Research and Engineering (DDR&E) presented three reasons why disruptive technologies are of strategic interest to ...