Chris Skinner is known as an independent commentator on the financial markets and fintech through his blog, the Finanser.com, as author of the bestselling book Digital Bank and its new sequel ValueWeb.  He is Chair of the European networking forum The Financial Services Club and Nordic Finance Innovation, and a Non-Executive Director of the Fintech consultancy firm 11:FS.  He is on the Advisory Boards of many companies including B-Hive, Bankex, iambank, IoV42, Innovate Finance, Life.SREDA, Moven, Meniga, Pintail, Project Exscudo and the Token Fund, and has been voted one of the most influential people in financial technology by the Wall Street Journal’s Financial News.