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Chris Skinner
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Digital Human: The Fourth Revolution of Humanity Includes Everyone 1st Edition, Kindle Edition

by Chris Skinner (Author) Format: Kindle Edition
4.4 4.4 out of 5 stars 82 ratings
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Digital is far-reaching and ubiquitous - everything you know is about to change.

We are living in the fourth age of humanity. First, we became human. Then we became civilized. The third age saw the creation of commerce. Now, we are becoming digital. Technology has changed the way we communicate, trade, and transact, with repercussions extending far beyond our personal spheres.

Digital Human is a visionary roadmap for the future, a timely guide on how to navigate the world of finance as we create the next generation of humanity. It explores the digital evolution's impact and offers clear insights on thriving in this new era. Human and business relationships are evolving, and existing businesses must undergo substantial transformative changes to compete with the smaller, "lighter," and more agile companies that are able to quickly maneuver to match shifting consumer demands. A lack of online presence has become unthinkable, as consumer preferences continue to trend heavily toward online business and transactions—is your company equipped to thrive in this new era?

While there is no definitive guide to this new reality, this insightful resource provides the starting point and roadmap to digital success in the financial services arena, covering aspects such as:

  • Digital is not merely a “bolting on” of technology to produce results faster and cheaper, but a complete rethinking of common business practices and notions of efficiency and customer engagement
  • Rethinking business starts with the customer - new business models are constructed entirely around this single, guiding principle
  • A digital business model is all about connectivity, with front-office apps tied in to both back-office analytics and marketplaces with many players and segments
  • Businesses must open their operations to this marketplace of players through APIs, necessitating a conversion of many core systems
  • Central business and technology systems must change to adapt to new market entrants and new technologies that range from AI for back-office analytics to Distributed Ledger Technology (DLT) for global operations

Leaders must rethink their businesses to be fit for the future digital age, and this comprehensive resource shines a spotlight on the key elements to this transformation.

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  1. ISBN-13
    978-1119511854
  2. Edition
    1st
  3. Sticky notes
    On Kindle Scribe
  4. Publisher
    Wiley
  5. Publication date
    April 16, 2018
  6. Language
    English
  7. File size
    2793 KB
  8. See all details
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Editorial Reviews

Review

"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

From the Inside Flap

A FINANCIAL EXPERT EXPLORES THE TRANSFORMATIONAL POWER OF THE FOURTH AGE OF HUMANITY

We are in the midst of a revolution of humanity. The impact of the digital revolution, creating the fourth age of humanity, is that we are all connected one-to-one in real time for the first time in history. Digital Human offers a much-needed exploration of how the digital age is affecting human and business relationships and offers guidance that shows how companies of all sizes can adapt to become forward-thinking digital businesses.

Digital Human explores the implications of the digitalisation for humanity, trade, commerce and our future. The mobile network is achieving the goal of eroding boundaries and inclusion of everyone. This digitalisation of our planet is bringing about a major transformation. Everyone on the planet will soon be included in the network and everyone on the planet will get the chance to talk, trade and transact with everyone else in real time.

This book offers insight into a number of intriguing topics that stem from the digitalisation of humanity such as how bitcoin and cryptocurrencies are challenging government and control mechanisms and why the Chinese tech giants are more imaginative than their Western counterparts.

Chris Skinner also explores the rise of the most fundamental innovations in emerging markets and examines the challenge to govern a globalised world when we live in nation states. In addition, Skinner includes the first-ever in-depth English-language case study of Ant Financial and Alipay, the mobile wallet that aims to be used by over two billion humans.

Digital Human explains why the fourth revolution of humanity will include everyone, no matter where they live or how they live.

Product details

  • ASIN ‏ : ‎ B07C7S6C69
  • Publisher ‏ : ‎ Wiley; 1st edition (April 16, 2018)
  • Publication date ‏ : ‎ April 16, 2018
  • Language ‏ : ‎ English
  • File size ‏ : ‎ 2793 KB
  • Text-to-Speech ‏ : ‎ Enabled
  • Screen Reader ‏ : ‎ Supported
  • Enhanced typesetting ‏ : ‎ Enabled
  • X-Ray ‏ : ‎ Not Enabled
  • Word Wise ‏ : ‎ Enabled
  • Sticky notes ‏ : ‎ On Kindle Scribe
  • Print length ‏ : ‎ 320 pages
  • Customer Reviews:
    4.4 4.4 out of 5 stars 82 ratings

About the author

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Chris Skinner

Chris Skinner

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Chris Skinner is known as one of the most influential people in technology. He is an independent commentator on the financial markets and fintech through his blog, the Finanser.com, which is updated daily and as a best-selling author. His latest book (seventeenth!) is Digital for Good, focusing upon how technology and finance can work together to address the environmental and social issues we face today and make a better world. His previous books include Doing Digital, which shared the lessons of how to do digital transformation through interviews with leading global banks such as BBVA, China Merchants Bank, DBS, ING and JPMorgan Chase; Digital Human, which showed how digitalisation how is a revolution that allows everyone from the plains of Africa to the mountains of Tibet to be included and served by the network; and Digital Bank that provides a comprehensive review and analysis of the battle for digital banking and strategies for companies to compete.

In his day job, he is CEO of the Finanser Ltd, a research and media firm focused upon FinTech and the future of finance. He is also Chair of Nordic Future Innovation, a Non-Executive Director of the FinTech consultancy firm 11:FS and on the advisory boards of many FinTech and financial firms. He has been voted one of the most influential people in banking by The Financial Brand (as well as one of the best blogs), a FinTech Titan (Next Bank), one of the Fintech Leaders you need to follow (City AM, Deluxe and Jax Finance), one of the Top 5 most influential people on BankInfoSecurity’s list of information security leaders, as well as one of the Top 40 most influential people in financial technology by the Wall Street Journal’s Financial News and Thomson Reuters.

He has recently been voted Game Changer of the Year and Financial Markets Advisor of the Year by Finance Monthly, CEO of the Year by CV Magazine, FinTech Speaker of the Year by TMT Global and has been an advisor to the White House, the World Bank and the World Economic Forum.

Described by Seth Wheeler, Brookings Guest Scholar and Former Special Assistant to the President for Economic Policy at the White House, as “one of the most authoritative voices on Fintech anywhere”, Chris has previously written many books covering everything from European regulations in banking through the credit crisis to the future of banking. His new book is a sister to his last book, Digital Bank. ValueWeb describes the impact of Fintech and how mobile and blockchain technologies are changing the face of finance in building an internet of value. As a result of the emerging internet of value, banks have to become digitalised, and Digital Bank provides a comprehensive review and analysis of the battle for digital banking and strategies for companies to compete.

Mr. Skinner is a regular commentator on BBC News, Sky News, CNBC and Bloomberg about banking he is on the Advisory Boards of including B-Hive, Bankex, empowr, IoV42, Innovate Finance, Life.SREDA, Moven, Meniga, Pintail, Project Exscudo and the Token Fund; and is a Judge on many awards programs including the Asian Banker’s Retail Excellence Awards, as well as having worked closely with leading banks such as HSBC, the Royal Bank of Scotland, Citibank and Société Générale, as well as the World Economic Forum.

Chris is known for speaking and keynote presentations at leading industry forums. Through these keynotes, he has presented alongside many other leading world figures including Jack Dorsey, Will.i.am, Hillary Clinton, Richard Branson, Meg Whitman, Bill Gates and Sir Clive Woodward.

Prior to founding the Finanser, Chris was Vice President of Marketing and Strategy for Unisys Global Financial Services and Strategy Director with NCR Financial Services. These roles sparked Chris’s specialisation in the future of financial services after he created the Global Future Forum in Unisys and the Knowledge Lab in NCR.

He studied at Loughborough University in the UK, and holds a Bachelor of Science in Management Sciences

alongside a Diploma in Industrial Studies. He is a Fellow of the British Computer Society, a Fellow of the Institute of Management Services, an Associate of the Chartered Insurance Institute and a Chartered Insurance Practitioner.

Chris is also a successful children’s author with a series focused upon Captain Cake and the Candy Crew, a Mom’s Choice Gold Category winner, being released in 2021 as well as being co-founder of the Portrait Foundation.

More can be discovered about Chris Skinner at www.thefinanser.com.

Customer reviews

4.4 out of 5 stars
4.4 out of 5
We don’t use a simple average to calculate the overall star rating and percentage breakdown by star. Our system gives more weight to certain factors—including how recent the review is and if the reviewer bought it on Amazon. Learn more
82 global ratings

Top reviews from the United States

Amazon Customer
5.0 out of 5 stars A positive outlook at the potential of financial services during the next age of humanity
Reviewed in the United States on July 29, 2019
Verified Purchase
This is a fascinating subject that Skinner lays out clearly and in an entertaining way. He provides some historical notes, not as a thorough anthropological study, but rather to help the reader understand the arc of evolutionary history with respect to humanity and technological innovation. This is especially important to consider when examining the innovation taking place in the Southern Hemisphere and how quickly financial inclusion can occur and affect change. The view that platform models are the optimal structures to deliver FS in the future is something he has written on before and seems to be playing out. If you have an interest in innovation and the future of financial services, then this book (and his other writings) need to be part of your ongoing education.
One person found this helpful
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J. Ponvanit
4.0 out of 5 stars Good book with coherent themes and arguments
Reviewed in the United States on August 10, 2019
Verified Purchase
Chris does a good job outlining the history of money and what the future of money looks like for the future generations of digital humans. He also goes into other several major themes driving the future of humanity like being connected 24/7 (enabled by mobile), people living longer, man/machine interfaces, space colonization, etc. The book ends with a case study on Ant Financial and interview transcripts with Ant’s leaders and Paytm CEO. These 2 final sections are probably my favorite parts. One star off for the slow start to the book, since recapping history could have been done more succinctly.
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Florida Keys
5.0 out of 5 stars Spot on for anyone in Banking
Reviewed in the United States on September 10, 2018
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Must read for anyone in Banking. Very clear on the immediate need to modernize technology.
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Runtheball
5.0 out of 5 stars A must read for banking executives!
Reviewed in the United States on August 11, 2018
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Awesome thought provoking book. This book was impossible to put down!
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Fabrizio Poli
4.0 out of 5 stars A Must Read for Your Future!
Reviewed in the United States on July 5, 2018
This is a great read and makes you realize where we are heading as a society. The internet and AI are changing the way we live and connecting us with so many new people across the planet.
I really liked the Case History at the end of the book and the Jack Ma story and how business in China and India has different challenges. Those of us in the West really need to look into what is going on in these other nations because they could very well overtake us very rapidly...
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Jim Marous
5.0 out of 5 stars A great glimpse into the future of communication, commerce and banking.
Reviewed in the United States on July 1, 2018
I was fortunate enough to receive an early copy of Skinner's latest book, Digital Human and totally enjoyed it. His coverage of the impact of digital transformation on banking, communications and ecommerce is excellent. The stories from his travels provide both excellent examples and a perspective that only he can offer. Most of all, I enjoyed his very deep inside look into Ant Financial and Alibaba. A must read for anyone interested in how new technologies will impact humanity.
One person found this helpful
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Christine A Meara
2.0 out of 5 stars A minority of the content discussing the evolution of financial services is thought provoking.
Reviewed in the United States on September 29, 2018
Verified Purchase
Quite a mix of compelling and irrelevant content in my opinion. The author extends his discussion of the evolving financial services landscape to include arguable digressions of anthropology and sociology - topics the author does not credibly advance. Most discouraging is his promise of digital’s role in bringing forth cures to social ills such as inequality and poverty as if the human heart plays no role. Any student of history would find these claims fanciful at best.
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Top reviews from other countries

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Rohit
5.0 out of 5 stars A must read!
Reviewed in India on January 16, 2019
Verified Purchase
Ignore this at your own peril!
Half way through & I couldnt put it down..
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Martin Cass
5.0 out of 5 stars Highly recommended for anyone with the vaguest interest in the future ...
Reviewed in the United Kingdom on July 29, 2018
Verified Purchase
Superb insight into the future of humankind, with a particular emphasis on financial services - and specifically how fintech will serve the changing needs of an ageing western population and help drive down the cost of access to basic services in emerging markets to increase financial inclusion. The author takes us on a journey that includes a brief history of mankind and then brings us on a journey that acknowledges both dystopian and utopian possibilities for the decades to come (e.g. looking at which jobs will be threatened and attractive), leaning towards the latter more optimistic scenario. The most striking point for me was how innovation will be driven by companies in emerging markets (in fact it is already) as they aren't weighed down by the "luxury" of the existing infrastructure in developed markets. Western banks face the ultimate innovator's dilemma in this regard. China is at the cutting edge (with 50x the volume of mobile payments of the US), with Ant Financial (the Alibaba spin out) leading the way (450m users and targeting 2bn by 2025). The 90 page case study on them in the book is mind blowing. Highly recommended for anyone with the vaguest interest in the future of homo sapiens.
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Alex M. S.
5.0 out of 5 stars Interesante libro sobre el futuro de la banca
Reviewed in Spain on May 1, 2018
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El autor es un conocido analista de la transición de la banca al mundo digital. Si os interesan la informática y las finanzas os lo recomiendo.
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MichelNizon
5.0 out of 5 stars A Must Read!
Reviewed in France on May 7, 2018
Verified Purchase
Je viens de terminer le livre de Chris Skinner, Digital Human. Un délice pour les neurones ! Les gourmands pourront commencer par la fin avec le case study passionnant sur Ant Financial. Les gourmets débuteront à la 1ère page...
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Zipster Zeus
4.0 out of 5 stars Interesting analysis and some good insight
Reviewed in the United Kingdom on August 9, 2020
Vine Customer Review of Free Product( What's this? )
Interesting analysis and some good insight in this accessible look at the Digital Revolution that continues at an unceasing pace. The author charts it's origins to show how we got here, and where we are going. A global perspective is taken which is good and you feel by the end well informed, as the topic is holistically explained.
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