Just as Amazon changed the way we shop and Apple reinvented the music biz, digital disruption is going to soon affect every aspect of your money: how you earn it, save it, invest it and spend it. You'll want to keep close tabs on the 50 companies listed here. They are the small firms destined to have a big impact on your financial future and possibly upend your portfolio.

Today’s staffing announcement coincides with the addition of five more banks to R3’s distributed ledger initiative – BNP Paribas, Canadian Imperial Bank of Commerce, ING Bank, Macquarie Bank, and Wells Fargo & Co. – bringing the total number of bank members to 30.