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Digital Human (my new book)

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And continuing my shameless self-interest, a little more on the new book ...

I’ve been musing for a while about inclusivity, and find that the world is truly being transformed as everyone joins the network. It is the theme I present all the time right now, and discussions around M-Pesa, Saldazo, Paytm and Ant Financial are great ways to illustrate the change. I could say a lot more, but the stunning figure from McKinsey who estimate that emerging economies will release $3.7 trillion a year in new productivity by 2025 sums it all up well.

For my friends who have noticed my leaning towards inclusivity, they may like to know that it’s also the theme of my new book. I finished the draft of the book in August and has the title:

Digital Human: The fourth revolution of humanity includes everyone

Here’s a brief overview of what it’s all about and, for those who have seen my recent presentations, you’ll know where I’m coming from.


We are in the fourth age of humanity.  The first phase was becoming human, as homo sapiens created language and beliefs.  The second was becoming civilized, when we created money; and the third was becoming commercial, when we created banks during the industrial revolution.

In this fourth age of humanity, technology is proving to be so pervasive in our lives that we are changing behaviors and becoming digital humans.  The way digital humans relate to each other is a revolution. It is changing the way in which we talk, trade and transact and changing the way in which we make business, make friends and make love. This book explores the way in which human and business relationships are changing in this digital age, and provides clear lessons in how to evolve existing businesses to be digital businesses relating to their digital human customers. Specifically, Digital Human explores what the fourth age of humanity means for business, banking, society and government.

The themes explored include how bitcoin and the network are altering and challenging government and control mechanisms; the rise of global digital giants, and how the Chinese giants are far more imaginative than their American counterparts; the rise of the most fundamental innovations being notable in Sub-Saharan Africa, the Philippines and other emerging markets, and how these markets will educate those of Europe and America over time; and the challenge to govern a globalized world when we live in nation states.

The book concludes with the world’s first in-depth English case study of Ant Financial and Alipay, the largest payments processing company on Earth. The company has a stated ambition of bringing onboard all of those people excluded from financial services today. That’s two-thirds of the world’s population, around 4.5 billion people. This is the core of the change we are seeing in the Digital Human age: that everyone can be included in a network thanks to low-cost mobile coverage. As a result, everyone on the planet can not only talk, trade and transact digitally, but they can be raised out of poverty through inclusion.

The most expensive way to deal with money today is if you are poor. The relative costs of moving money when you have no access to banking is huge. The digital age has collapsed that cost barrier, and now allows anyone from Kenya to Colombia to Indonesia can transact and trade for almost free. This, along with using the mobile network to give everybody a recognised legal digital identity, is the true change that we are seeing in the Digital Human revolution. A revolution that creates inclusion for seven and a half billion people. A connected planet of people. This has never happened before, and the connectivity of all is truly a transformational moment.


Just by way of an aside, if you do see me making a presentation, I often start and finish with the same themes these days. I usually spend a quarter of the presentation talking about the last three revolutions in humanity, to put in context how digital is a revolution of everything.  It is not an evolution of what’s gone before, but a truly transformational moment in how we make business, make friends and make love. It is a revolution of humanity.

However, I’m very conscious that my discussion of the past and the long-term future don’t change much, mainly because these are constants. It is the present and near-term future that changes the most. So, if you are listening to me present for the umpteenth time, please sleep through the first quarter and wake up when I get to what is happening now.

Oh, and by the way, the book doesn’t come out until Spring 2018, as we are now in the editing cycle that takes a while. I hope y’all order a copy when it finally hits the ebook stores though.


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Chris M Skinner

Chris Skinner is best known as an independent commentator on the financial markets through his blog,, as author of the bestselling book Digital Bank, and Chair of the European networking forum the Financial Services Club. 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), as well as one of the Top 40 most influential people in financial technology by the Wall Street Journal's Financial News. To learn more click here...

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