The document discusses readying members for digital adoption and digital transformation. It emphasizes taking a member-focused lens to understand member needs and expectations. A successful digital strategy should drive maturity, have clear objectives, build skills, and view risk as normal. Technologies discussed that could enhance the member experience include wearables, augmented reality, location services, and augmented intelligence. Barriers to member adoption include high competition, ineffective onboarding, and lack of support. The document concludes that change is already happening and digital transformation should be grounded in serving members.