In this episode I have a wonderful conversation with Chris Skinner.\nChris and I recently got in touch at The banking scene 2019, fintech conference recently held in Brussels. During that conference he talked as a real trouble maker - that\u2019s how he defines himself - saying that \u201cPeople are not educated with loans, credit, money\u201d and that \u201cBanks are failing at digital\u201d. \nAfter I got my hands on his last book Digital Human, I invited him to the show to ask him a few questions about innovation, regulation and technology in finance.