Chris Skinner - Digital Human: The Fourth Revolution of Humanity Includes Everyone

Building upon the financial technology themes from his previous books, Chris takes you on an intellectual journey as he methodically thinks through where technology will take us, humans, next. He imagines a new, open banking and financial services system tailored for each one of us. He describes how financial inclusion drives innovation, and how it will change financial services as billions of people join the system. I greatly enjoyed this rare and refreshing optimistic vision in which money is implicit, the invisible digital fabric of the internet connecting new platforms and existing companies."

Konstantin Peric,

Deputy Director, Financial Services for the Poor,

Bill & Melinda Gates Foundation

Chris' latest book is a tour-de-force that provides a broad sweep of the incredible changes that are impacting our industryopen banking, platforms, APIs and machine learning, to name a few. However, it is his articulate postulation that few banks are changing, and if they don't change they will not survive that makes this book a must-read for anyone in the financial services industry. And his thoughts on the very basis of value in our economy, and how this could evolve in the fourth revolution, make this a great read for the rest of us!"

Piyush Gupta,

CEO, DBS

Skinner presents a compelling vision of the future of financial services expertly set in 10,000 years of historical context."

Jesse McWaters,

Project Lead, Disruptive Innovation in Financial Services,

World Economic Forum

In Digital Human, Chris Skinner challenges our notion of what it will mean to be human and the role that money and finance will play. With this follow-up to Digital Bank, Skinner paints a picture of humanity's digital future, and the future is bright. As he describes, with 7.5 billion people connected in real time through mobile technology, increased access and transparency have the potential to finally tear down the walls of financial exclusion.

David Cotney,

Former Massachusetts Commissioner of Banks;

Board Member, Cross River

Digital revolution creates the fourth age of humanity, where everyone is connected and included. For the very first time, we have a chance to reach and serve a financial transaction to everyone. As one of the world's most followed voices on FinTech, Chris Skinner provides a survival guide for the financial services industry and the opportunities therein."

Dr. Soner Canko,

CEO, BKM

At the risk of sounding repetitive, Digital Human is yet another must-read book from Chris Skinner. Banks, bankers and control freak cultures everywhere take heed: if you don't yet understand how your roles will diminish in the coming years, this book will make it frighteningly clear."

Dan Dickinson,

Chief Digital Officer, Equitable Bank

Chris has a sharp eye for industry trends and cuts through a lot of noise with actionable insights, while shedding light on the alarming fact that the majority of banks' IT budget goes to maintenance rather than innovation. If the industry dares to follow Chris' proposed solutionsfocusing on partnerships, technology outsourcing and increased collaborationwe would see an unleashing of energy and innovation to the benefit of clients and society at large. As he puts it nicely: If banks are average in doing 1000 things, are cemented to their past and are not agile enough to update daily and refresh their core regularly, they will be outsmarted by those who can. And those who can will recognise that banks are doing 1000 things mediocrelyand will naturally come together to do 1000 things brilliantly."

Kim Fournais,

CEO and Founder, Saxo Bank

Chris Skinner has the remarkable ability to distil complex issues to their simplest form, which results in a book that can be easily digested. Digital Human evolves as a one-on-one conversation, as Chris describes how technology has become the equaliser in our global society. His vast experience evaluating global markets brings a real-life perspective to understanding both the history and future of digital transformation. Chris takes the approach of a fireside chat, speaking to us in a personal way where, no matter what our experience with digital transformation, we can relate to his stories, as well as to his honest passion to inform and educate."

Wayne Brown,

Managing Partner, The Walker Group

Digital Human gives you a view into the future in a bold and imaginative way. Bankers the world over would benefit from Chris' practical clarity about where the evolution of financial services will lead us."

Chris Nichols,

Chief Strategy Officer, CenterState Bank

Buckle upChris Skinner helps the reader peer around the corner by examining the past, present, and future trends leading humanity down a digital path of human revolution. Digital Human tackles the challenges of financial inclusion in a digital world struggling to assist with the plague of poverty. The internet of things is omnipresent in Skinner's unique journey, as digital advances are explored in the context of a human revolution and changing financial infrastructure."

Stephen G. Andrews,

Community Bank President

If you're a traditional banker, reading Chris Skinner's Digital Human will feel like a SoulCycle kick-your-butt spin class. It will gut your view on traditional banking and likely freak you out on the long list of things your institution ought to do, including dumping your legacy core system. But you will walk away healthier and it will leave you with a wonderful possibility on how tech can rethink financial services into something that benefits everyone. Skinner has travelled the world and is one of the few that write about FinTech in an informed, funny and no-BS banker kind of way. Not only will you learn where the word harlot originated but you will uncover the direction banks are goingnamely, transforming from control freaks into open banks in a world destined to let people share their financial data where and when they want."

Mary Wisniewski,

Deputy Editor, BankThink;

Reporter, American Banker

Chris Skinner, wise guide of the FinTech world, takes us on a new journey with his new book Digital Human. It gives us a chance to look into the past with the light of the future. For banks and financial players, this book is a perfect bi-directional mirror that will provide a better understanding of a new world. If they would use this mirror with Chris' guidance, they will find a path for their future; otherwise, they will just turn into memories of the past."

Ahmet Usta,

Chief Editor, FinTech Istanbul

In order to be ready for the future, we should understand how the digital transformation has developed. Chris Skinner provides an in-depth look into what has happened and what is happening today. It is time for the financial services industry to reimagine how to offer finance through technology in the new era. Digital Human will help you understand digital transformation, make you think about your business and, above all, make you think about what you are going to face in the future."

zge elik,

Senior Vice President, BKM

Copyright 2018 Marshall Cavendish International (Asia) Pte. Ltd.

First published in 2018 by Marshall Cavendish International (Asia) Pte. Ltd.

Published under license by John Wiley & Sons Ltd.

For distribution in the United States of America, Canada and Central America, South America and North America; Europe, Middle East and Africa. Not for sale in Asia.