The next generation internet, the Internet of Things, cannot work without an Internet of Value. The Internet of Value — or ValueWeb, for short — allows machines to trade with machines and people with people, anywhere on this planet in real-time and for free. The problem is that our old system cannot work that way, as it takes days to process and costs a fortune. Using a combination of technologies from mobile devices, wearables and the bitcoin blockchain, fintech firms are building the ValueWeb regardless. What does that mean for financial institutions, governments and citizens? This book provides the answers. Chris Skinner one of the most authoritative voices on FinTech anywhere has provided us another timely and thoughtful look into the fascinating convergence of technology, e-commerce, and finance that is changing the world.- Seth Wheeler, Former Economics Advisor to the US President and The White HouseSkinner’s ValueWeb is a sweeping and well-researched analysis of the big technology trends that will shake the windows and rattle the walls of the industry-Don Tapscott, Best Selling AuthorThis book will be an invaluable read for all interested in the way business works.-Sir Roger Gifford, Former Lord Mayor of London Best insight into money in the 3rd industrial revolution, aka the digital revolution, you will read.-Lawrence Wintermeyer, CEO Innovate Finance This is another must-read, not only for those interested in the world of FinTech, but anyone wanting to get a glimpse of a future where monetary and non-monetary transfers occur instantaneously across mobile and digital networks.-Jim Marous, The Financial Brand/Digital Banking Report Chris has a great eye for the case studies and practical examples of innovation that help you to really reflect on where banking is going.-David Birch, Director Consult Hyperion