Chris Skinner is an independent commentator on the financial markets as Chief Executive of Balatro and Chairs the European networking group, the Financial Services Club. He is also a co-founder of the website Shaping Tomorrow, which is used extensively by over 15,000 individuals from academia, corporations and governments worldwide. Chris is well-known for his regular columns in a variety of media and daily blog at www.theFinanSer.com. He is the author of several books including The Future of Banking, The Future of Finance after SEPA and The Future of Investing after MiFID. Chris is a judge with awards programmes run by TradeTech and the Asian Banker, as well as a contributor to the World Economic Forum's Scenario Project on Technology Innovation in Financial Services.