Chris Skinner

AI is transforming our realities at an unprecedented pace, and one of the most critical questions it raises is about trust. In a world of deepfakes, synthetic identities, and AI-generated content, how do you prove that you are who you say you are? And what does that mean for our money, our institutions, and our societies? This keynote investigates how artificial intelligence is reshaping identity, authentication, verification, and trust — and explores the answers that fintech and emerging technology are beginning to provide. For any organization navigating AI adoption, digital identity, fraud prevention, or regulatory compliance, this is the foundational question of the decade.

As money becomes digital, it will revolutionize everything. By the end of this decade, digital money will become personal, secure, and intelligent — capable of growing automatically to meet individual goals, managing risk without human intervention, and making financial life simpler for all. But how does money become intelligent, both digitally and artificially? Based on his bestselling book Intelligent Money: When Money Thinks for You, Chris Skinner explores a future where money is no longer just a tool but an embedded, invisible, and intelligent partner. This keynote addresses what that transformation means for consumers, banks, regulators, and the entire financial ecosystem.

Everything is becoming smart and connected — from homes and vehicles to supply chains and financial systems. But what happens when every company has AI at its core, when operations become decentralized, and when quantum computing and digital currencies upend the rules? This keynote explores the key technologies coming downstream: from artificial intelligence to artificial superintelligence, from cloud computing to quantum computing, and from cryptocurrencies to central bank digital currencies. The central question it addresses is the role of centralized institutions — banks, regulators, governments — in an increasingly decentralized world, and how leaders can position their organizations to thrive in this transition.

A small number of banks around the world have genuinely transformed into digital institutions. As anyone in the industry knows, this is extraordinarily difficult for long-established organizations with thousands of employees and millions of customers. So what are these banks doing right, and how are they doing it? Chris Skinner spent years conducting in-depth interviews with five of the world’s most progressive banks — JPMorgan Chase, BBVA, ING, DBS, and China Merchants Bank — to discover the strategies behind their success. Based on his bestselling book Doing Digital, this keynote shares practical lessons on organizational change, cultural transformation, and the strategic decisions that separate digital leaders from digital laggards.