CHRIS SKINNER is best known as an independent commentator on the financial markets through the Finanser (www.thefinanser.com). He is Chair of the European networking forum, The Financial Services Club and Nordic Finance Innovation, as well Non-Executive Director of the Fintech consultancy firm 11:FS. He has been an advisor to the White House, the World Bank and the World Economic Forum. Skinner has written many books covering everything from European regulations in banking through the credit crisis to the future of banking including Digital Bank and its sequel ValueWeb.

"Skinner presents a compelling vision of the future of financial services, expertly set in 10,000 years of historical context."—Jesse McWaters, World Economic Forum"I greatly enjoyed this rare and refreshing optimistic vision."—Kosta Peric, Bill & Melinda Gates Foundation"Chris' latest book is a tour-de-force."—Piyush Gupta, DBS Bank"A fireside chat… one-on-one conversation.... Chris Skinner has the remarkable ability to distil complex issues to their simplest form."—Wayne Brown, The Walker Group"Digital Human will feel like a SoulCycle kick-your-butt spin class."—Mary Wisniewski, American Banker"Digital Human is yet another must-read book from Chris Skinner."—Dan Dickinson, Equitable Bank"Chris has a sharp eye for industry trends and cuts through a lot of noise with actionable insights."—Kim Fournais, Saxo Bank"the book is a tour de force of informed, timely on the money observations about where things are going, and if it will be TechFin or Fintech that rules the day."—Irish Tech News, May 2018"... offers a timely exploration of this at once exciting and frightening topic, with some compelling arguments from a writer who manages to wrestle some complex issues, cutting through the jargon and noise to offer an optimistic vision of the future for the 'digital human'."—Continuity, Insurance & Risk, May 2018"One of the most authoritative voices on FinTech anywhere."—Seth Wheeler, Brookings Guest Scholar and Former Special Assistant to the President for Economic Policy at the White House"Top 40 Most Influential People in FinTech"—Wall Street Journal's Financial News"FinTech Titan"—Next Bank"Game Changer of the Year.... Financial Markets Advisor of the Year."—Finance Monthly"CEO of the Year"—CV Magazine"FinTech Speaker of the Year"—TMT Global".... thanks to Skinner's methodical approach and conversational style, at no point did I feel the slight tickle of my head beginning to explode, despite the enormity of the theories being proposed."—Fintech Finance"I found this book to be fascinating. It was a really unusual blend of history, technology and finance that I don't think you would find anywhere else."—BCS: The Chartered Institute for IT

• Introduction 12The Revolutions of Humanity: Digital Humans 17The Evolution of the Digital Age 34The Rise of Platforms and Marketplaces 58The Rise of the Robots 95The Rise of a New Financial Structure (FinTech) 126The Rise of Everyone 152The Fall of Banks 184A Glimpse of the Future 209Closing Thoughts 228CASE STUDY: ANT FINANCIALAnt Financial—The First Financial Firm for the Digital Human Age 234The Ant Interviews: 277Ni Xingjun, Vice-head of Alipay 278Li Jin, Senior Director and Head of the Technology Team 287Jia Hang, Senior Director, International Business Unit 295Vijay Shekhar Sharma, CEO and Founder of Paytm 304Chen Long, Chief Strategist, Ant Financial 313About the Author 326

CHRIS SKINNER is best known as an independent commentator on the financial markets through the Finanser (www.thefinanser.com). He is Chair of the European networking forum, The Financial Services Club and Nordic Finance Innovation, as well Non-Executive Director of the Fintech consultancy firm 11:FS. He has been an advisor to the White House, the World Bank and the World Economic Forum. Skinner has written many books covering everything from European regulations in banking through the credit crisis to the future of banking including Digital Bank and its sequel ValueWeb.

"Skinner presents a compelling vision of the future of financial services, expertly set in 10,000 years of historical context."—Jesse McWaters, World Economic Forum"I greatly enjoyed this rare and refreshing optimistic vision."—Kosta Peric, Bill & Melinda Gates Foundation"Chris' latest book is a tour-de-force."—Piyush Gupta, DBS Bank"A fireside chat… one-on-one conversation.... Chris Skinner has the remarkable ability to distil complex issues to their simplest form."—Wayne Brown, The Walker Group"Digital Human will feel like a SoulCycle kick-your-butt spin class."—Mary Wisniewski, American Banker"Digital Human is yet another must-read book from Chris Skinner."—Dan Dickinson, Equitable Bank"Chris has a sharp eye for industry trends and cuts through a lot of noise with actionable insights."—Kim Fournais, Saxo Bank"the book is a tour de force of informed, timely on the money observations about where things are going, and if it will be TechFin or Fintech that rules the day."—Irish Tech News, May 2018"... offers a timely exploration of this at once exciting and frightening topic, with some compelling arguments from a writer who manages to wrestle some complex issues, cutting through the jargon and noise to offer an optimistic vision of the future for the 'digital human'."—Continuity, Insurance & Risk, May 2018"One of the most authoritative voices on FinTech anywhere."—Seth Wheeler, Brookings Guest Scholar and Former Special Assistant to the President for Economic Policy at the White House"Top 40 Most Influential People in FinTech"—Wall Street Journal's Financial News"FinTech Titan"—Next Bank"Game Changer of the Year.... Financial Markets Advisor of the Year."—Finance Monthly"CEO of the Year"—CV Magazine"FinTech Speaker of the Year"—TMT Global".... thanks to Skinner's methodical approach and conversational style, at no point did I feel the slight tickle of my head beginning to explode, despite the enormity of the theories being proposed."—Fintech Finance"I found this book to be fascinating. It was a really unusual blend of history, technology and finance that I don't think you would find anywhere else."—BCS: The Chartered Institute for IT

• Introduction 12The Revolutions of Humanity: Digital Humans 17The Evolution of the Digital Age 34The Rise of Platforms and Marketplaces 58The Rise of the Robots 95The Rise of a New Financial Structure (FinTech) 126The Rise of Everyone 152The Fall of Banks 184A Glimpse of the Future 209Closing Thoughts 228CASE STUDY: ANT FINANCIALAnt Financial—The First Financial Firm for the Digital Human Age 234The Ant Interviews: 277Ni Xingjun, Vice-head of Alipay 278Li Jin, Senior Director and Head of the Technology Team 287Jia Hang, Senior Director, International Business Unit 295Vijay Shekhar Sharma, CEO and Founder of Paytm 304Chen Long, Chief Strategist, Ant Financial 313About the Author 326