Chris Gledhill works freelance as a FinTech advisor and consultant. He regularly delivers speeches and writes articles about digital banking, finance, and what lies ahead for financial institutions. Chris was at the head of the Lloyds Banking Group innovation labs. He followed this by co-founding and working as CEO of the UK Challenger Bank Secco. Chris boasts a high-tech and corporate career history and speaks with expertise and eloquence on a vast range of so-called 'disruptive technologies'. These include AI, API, Big Data, Biometrics, Blockchain, CryptoCurrencies, Deep Learning, Mobiles, Virtual Reality, and Wearables. Mr. Gledhill also wrote a book "Consumerization" – the Enterprise Guide to BYOD and co-authored The Fintech Group.