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My guest is the one-and-only Chris Skinner. Chris, the CEO of the Finanser, began writing a daily blog in 2007. Every single day since then, for twelve solid years, he has written a blog post. It\\u2019s said that journalism is the first draft of history. Chris has written that daily first draft of the history of fintech, almost from the start. He\\u2019s the bard, or minstrel, or troubadour of fintech, telling its story as it has unfolded in real-time, day by day, with all its twists and turns and surprises. He\\u2019s been the one seeing the patterns and understanding what\\u2019s happening and what is likely to come next.

He\\u2019s based in London, which means that for me (I\\u2019m usually in Washington DC) that his daily missive comes with my morning cup of coffee. I read it and, most likely, I tweet it. I have a great deal of company in this: Chris has nearly 50 million followers on Twitter.

Chris and I recorded this conversation last spring during the Innovate Finance Global Summit in London (one of my favorite conferences in the world). We found a reasonably quiet corner of the bustling speakers\\u2019 lounge in one of the old Guildhall buildings and talked about the future of banking.