The document discusses the projected impacts of digital technology by 2020, highlighting various scenarios regarding the future of the internet, money, big data, and higher education. It outlines contrasting predictions, showcasing both optimistic and pessimistic views from expert surveys about how millennials will learn, communicate, and manage finances in a technology-driven landscape. Key themes include the tension between security and privacy, the evolution of educational methods, and the implications of embracing smart devices for transactions.