Chris Skinner has become known as an international independent commentator on fintech through his blog, the Finanser.com. He is the author of the bestselling book Digital Bank and its sequel ValueWeb. Both books have been reviewed on www.BankingExchange.com and a chapter excerpt of ValueWeb also appears on the site. Skinner chairs the European networking forum: the Financial Services Club. He has been voted one of the most influential people in banking by The Financial Brand and has received similar honors from The Wall Street Journal and other organizations. Visit Skinner's professional website.