Overview

We live in the fourth age of humanity.The first phase was becoming human. The second was becoming civilised, when we created money. The third was becoming commercial, when we created banks. In this fourth age of humanity, we have turned ourselves into Digital Humans.Technology is changing the way we talk, trade and transact. We are now interfacing with technology whenever we do business, make friends, and go about our lives. What does this mean for business, banking, society and government? What does this mean for you?Digital Human explores the transformations that are sweeping through all spheres of life: the domination of global digital giants; the advent of new financial structures (FinTech); the disruption brought about by Bitcoin; the rise of robots; and the fall of banks.The book also gives the first in-depth English case-study of Ant Financial and Alipay, the largest payments processing company in the world. Soon, not only will everyone on the planet be connected digitally, they can be raised out of poverty through inclusion.We are living through the age of creating the next generation of humanity. What does the future hold?

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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

This is an up-to-the-minute look at the challenges banks face as the information age goes into overdrive. - Michael Mainelli, Emeritus Gresham Professor of Commerce, Gresham College, London Whoever reads this book without swiftly moving to action, may regret it. - Guido Poli, Head of Market Intelligence, Banca Monte dei Paschi di Siena

Author Information

Chris Skinner is the bestselling author of Digital Bank and its sequel ValueWeb. 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 voted one of the most influential people in banking by The Financial Brand and one of the Top 40 most influential people in financial technology by the Wall Street Journal's Financial News

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