Wealth Transfer
From time, money has always inexplicably been part of our daily lives, from earning it via jobs and investments to spending it for products, services, and experiences. It is a necessity no matter the currency and has always been a symbol of barter and exchange. The rise of digital currencies is completely changing the way money is being transacted and used. This book explains how digital currency is bridging the gap between the rich and the unbanked poor and how to be a player in the sector.
The Blockchain Pathway
Blockchain technology was initially applied solely in cryptocurrency transactions such as bitcoins; however, with the rise of blockchain-based applications, the potential benefits of this ground-breaking technology are unparalleled. It is worthy to note however, that blockchain is a disruptive technology, hence, it is essential that effective planning and research is done before applying blockchain to different sectors of the African economy. Governments of developing economies like Africa also need to stimulate entrepreneurial awareness of emerigng technology through training and 8 promotion to facilitate investment readiness. Similar to every emerging technology, the adoption of blockchain to its full potential is dependent on the extent to which relevant stakeholders take the lead in supporting and unveiling market-creating innovations in blockchain platforms. This book explains how blockchain is being applied across various industries in the world, and how Africa, particularly Nigeria, can use it to increase efficiency and transparency.
Fintech, and Blockchains Trends in The Financial Sector
This book presents a review of the transformative impact of fintech and blockchain technologies on the financial industry. The book aims to bridge the gap between technical jargon and practical understanding, making it accessible to a wide audience. It begins by introducing fundamental concepts and tracing the evolution of these technologies. Subsequent chapters explore specific applications such as digital payments, lending, and investment management. The final sections address regulatory challenges, security concerns, and the future outlook for fintech and blockchain. Key features of the book include a I) clear and concise explanation of complex technical concepts, making them understandable for both industry professionals and general readers, ii) real-world case studies and examples to illustrate the practical applications of fintech and blockchain, iii) insights into the regulatory environment and potential risks associated with these technologies and iv) a forward-looking perspective on the future of finance, Readers will understand the intricacies of blockchain, including its underlying technology, smart contracts, and potential use cases in the financial sector. It also helps readers to anticipate industry trends.
Employment Relations and Global Governance
Employment Relations and Global Governance focuses on the headquarters-level dialogue which can be considered as a strategic instrument that helps the Global Unions and their affiliates to exercise influence over the policies of the IFIs, especially those policies which concern workers.
The Islamic Finance Industry
Islamic finance has emerged to meet the financial needs of people who seek a different approach to conventional banking and finance. Due to its late inception, Islamic finance has often been regarded as an "infant industry" compared to its traditional counterparts. Even though the Islamic finance industry is still classified as nascent, it has shown rapid growth in the last decade or so. The primary objective of this book is to highlight the main issues and challenges the Islamic finance industry faces and to offer practical solutions. Firstly, the book classifies the main components of Islamic finance such as money and banking, capital markets, fintech, microfinance, insurance as well as morality and governance. Secondly, all of the chapters are combined according to their relationship and link with each other so as to provide readers with a unique and holistic overview of the subject. The chapters are written by well-renowned experts in the field. As well as offering readers theoretical information about each subject under discussion, it also advances practical solutions that can contribute to the development of each field. The book answers questions such as how money is created by banks; what the business model of Islamic banking should look like; whether Islamic microfinance institutions are sustainable; what the likely framework of takaful should be; what the potential role of fintech could be in reshaping the Islamic financial system, and where and whether morality fits in the financial system. The book will attract the attention of students, researchers, practitioners, regulators and policymakers.
Taxation and Inequality in Latin America
Taxation and Inequality in Latin America takes a heterodox political economy approach, focusing on Latin America, where current problems of taxation have existed for a century and great wealth contrasts with abject poverty.
Managing Accounts Payable and Suppliers' Relationships
By recording all their transactions and regularly updating their accounts, entrepreneurs should be able to boost their credit rating.As the world becomes increasingly globalized, more and more organizations are acquiring their products and services on credit. Furthermore, to maintain their competitive edge, suppliers are encouraged to offer credit to customers; these creditors, in turn, can be seen in a business's accounts payable. Of course, business owners want to-and should-pay their expenses on time. After all, doing so will not only improve their relationships with their suppliers, customers, and employees but also improve their credit standing. Thus, it is crucial for business owners to understand the importance of accounts payable, which can help them manage their finances.Success is never guaranteed, but by arming themselves with the proper tools, entrepreneurs can increase their chances of achieving success. Indeed, to establish themselves as legitimate business owners, entrepreneurs should learn the differences between sales and tax invoices, maintain good credit, use accounts payable to improve their business's cashflow, and utilize the newest technologies and services to record all their transactions. Being an entrepreneur is by no means easy, but if you put in the necessary work, you will be able to maintain good credit, which, in turn, will improve your business's financial standing.
Embracing the Power of Cloud Hosting for Banking Solutions
DescriptionThis comprehensive guide takes you on a transformative journey of migrating the banking IT solutions to the cloud, understanding the challenges and the nuances involved through this journey and how to overcome them. The book is a rare blend of functional and technical which demystifies the financial landscape, security and compliance requirements, and technical challenges. It dwells into the complex concepts of cloud transformations to empower both novice enthusiasts and seasoned professionals. Dive into the core of Banking solutions, unraveling the intricacies of cloud adoption and deployment. Starting with the "Evolution of banking" all the way to "The peak into the future of IT in financial sector", this book pushes the boundaries and equips you with the tools to explore the possibilities and power of IT solutions. Whether you're are a novice who wants to understand financial sector, a programmer, tech innovator, architect, business analyst or a business leader, this book equips you with actionable insights to elevate your role. Implement hands-on techniques, bridge theory with real-world applications, and understand the security and compliance requirements.Key Features of the bookFinancial Services Landscape and evolution of BankingPractical applications for banking solutions.Use Cases and Best Practices for Banking IT SolutionsInnovative and futuristic viewpoints.What will you learn?After reading this book, readers will be capable of: Implementing the foundational concepts of the banking industry, the regulations and the challenges being faced.Designing Banking IT Solutions for Cloud.Overcome through the challenges of moving IT workloads to cloud.Bridging theory and practice with hands-on implementation.Driving transformative change for Banking applications by migrating them efficiently to cloud.
The Economics of Innovation and Intellectual Property
The first comprehensive textbook covering all aspects of the economics of innovation and the role of intellectual property in encouraging or discouraging innovation Innovation is widely viewed as the engine behind economic growth, and it has assumed increasing importance in contemporary economic research. In The Economics of Innovation and Intellectual Property, Bronwyn H. Hall and Christian Helmers introduce readers to the use of economic analysis for the understanding of technical change and the innovative process, its determinants, and consequences. The authors cover innovation basics, the measurement of returns to innovation for individuals and the economy, and the use of intellectual property protection by innovators. They focus on the various ways patents have been used by industry to secure returns to innovation, as well as the strategic use of patents, and they emphasize present-day technologies including pharmaceuticals, software, and AI. Clearly organized and accessible, The Economics of Innovation and Intellectual Property offers a useful introduction to economics, business, public policy, and legal studies, and provides a comprehensive collection of references and information from a variety of sources across disciplines. It also includes various boxes with definitions and examples, as well as a brief mathematical appendix explaining concepts that may be unfamiliar and an introduction to data sources.
Environmental Finance and Green Banking
Environmental finance and green banking are central drivers of the transition to a sustainable economy and essential components in solutions to climate change. This book presents the latest research on theory and practices in these interdisciplinary fields, incorporating both public and corporate finance.
Debt and Taxes
America's $34 trillion national debt is more than just a number-it's a ticking time bomb. With the debt ratio now exceeding the nation's gross domestic product by 26 percent, Howard Mick offers a crucial exploration of how we got here and what it means for our future.Drawing on government data and the insights of influential economists, Mick takes readers on a journey through the history of America's fiscal policies, revealing how even well-meaning decisions have contributed to the unsustainable growth of our national debt. He advocates for a fact-based discussion, moving beyond partisan rhetoric. He makes a compelling case that this trajectory, if left unchecked, could have devastating effects on our economy and quality of life.But Mick doesn't stop at a diagnosis; he tackles the tough questions, exploring the impact of fiscal policies on wealth concentration and proposing actionable strategies to reverse the debt ratio's rise. He also confronts the government's inaction, leaving readers with a powerful mandate: it's up to the voters to demand change.In this concise yet comprehensive book, Mick provides the critical insights needed to understand and address the fiscal crisis that threatens America-one that too few are willing to acknowledge, but that we can no longer afford to ignore.
Strategic Financial Management
The era of digital transformation brings to small and medium-sized enterprises new challenges and complex issues that need to be navigated carefully and effectively to keep pace with the rate of local and global changes, to continue operating efficiently and competitively. Strategic Financial Management is a comprehensive exploration of contemporary financial challenges from a managerial perspective with interesting and insightful chapters that address sustainability reporting, ESG integration, globalization's impact on financial strategies, and corporate governance. Investigating theoretical frameworks, identifying problems, and discussing implications for managers, entrepreneurs, and policymakers, regulatory changes and compliance challenges are dissected in this book, providing a timely guide for managers to navigate the evolving regulatory landscape. Managing financial talent is recognised as a crucial element in achieving organizational success, and the role of data management and analytics in finance is emphasised in informed decision-making, which are interwoven in the chapters of this book. Exploring the dynamics of financial communication and stakeholder relations, and acknowledging their pivotal role in maintaining organizational trust, the chapters contribute to the ongoing dialogue on sustainability, governance, and financial strategies. Strategic Financial Management provides valuable guidance for managers, entrepreneurs, and policymakers in navigating the complexities of the modern financial landscape.
Select Topics of Econophysics
Economics requires understanding and analyzing forces that bring buyers and sellers to a market place who then negotiate exchanges of goods and services based on a mutually agreeable price. Economists have their own method of modeling whereby models are first conceived of some notion of economic and financial thinking, before being empirically tested, and anomalies are then recognized if the observed data is inconsistent with the hypothetical underpinning. This is in inherent contradiction with the modeling approaches of physicists who develop their theories, principle and laws after observing empirical data. The awareness that physics can enlighten the understanding of human behavior (and thus economics), and the interest of physicists in applying their training and models to understanding the complexities of finance and economics, led to the creation of a new field of study appropriately termed as Econophysics. Selected Topics on Econophysics is a collection of essays on topics that enhance and enrich our understanding of economic modeling when the same rigor of modelling used by physicists is brought to developing financial and economic theories. These articles include discussions on modeling bitcoins, stock index modeling using geometric Brownian motion, agent-based modeling, wealth distribution modeling, as well as modeling related to fractal regression, and chaotic processes. This interdisciplinary book will interest researchers, graduate students and professionals in the fields of economics, finance as well as physics.
What Went Wrong with Capitalism
An "eye-opening" (The New York Times), "absolutely fascinating" (Fareed Zakaria, CNN host and commentator) look at a how a century of expanding government has distorted financial markets, stoked massive inequality, and soaked America in debt. Capitalism didn't fail, it was ruined... What went wrong with capitalism? Ruchir Sharma's account is not like any you will have heard before. He says progressives are right, in part, when they mock modern capitalism as "socialism for the rich." For a century, governments have expanded in just about every measurable dimension, from spending to regulation and the scale of financial rescues when the economy wobbles. The result is expensive state guarantees for everyone--bailouts for the rich, entitlements for the middle class, welfare for the poor. Taking you back to the 19th century, Sharma shows how completely the reflexes of government have changed: from hands-off to hands-on, from doing too little to help anyone in hard times to today trying to prevent anyone suffering any economic pain, ever. Trading sins of omission and indifference for excesses of spending and meddling, governments from the United States to Europe and Japan have pumped so much money into their economies that financial markets can no longer invest all that capital efficiently. Inadvertently, they have fueled the rise of monopolies, "zombie" firms, and billionaires. They have made capitalism less fair and less efficient, which is slowing economic growth and fueling popular anger. The first step to a cure is a correct diagnosis of the problem. Capitalism has been badly distorted by constant government intervention and the relentless spread of a bailout culture. Building an even bigger state will only double down on what ruined capitalism in the first place. What Went Wrong with Capitalism is a "superbly written" (The Wall Street Journal), "fresh and accessible" (Robert Rubin, former Secretary of the Treasury and chairman of Citigroup) look at the issues confronting our capitalistic society and will ultimately reshape how you think about world.
I Am Your Can Opened
"I Am Your Can Opened" is a transformative guide that teaches readers how to manifest their heart's deepest desires by aligning their thoughts, emotions, and words to be successful in business and life. The author introduces herself as a "CAN OPENED," an acronym reflecting qualities of optimism, persistence, patience, a commitment to excellence, evolution, and delegation. She positions herself as a catalyst to unlock the potential within readers, challenging the naysayers in their lives and instilling the belief that all things are possible with the right mindset. "I Am Your Can Opened" is not just a motivational book but a practical roadmap to achieving a balanced and fulfilling life by harnessing the power of aligned thoughts, emotions, and expressions.
Banks and Whales
Are you interested in tokenization and cryptoeconomics, or curious to know what it is all about? Have you wondered about its impact on financial institutions, and would like to better understand traditional finance? Is tokenization of financial assets the "elephant in the room" for banks and a ''black swan'' for capital markets? This is the definitive book to get you started in tokenization, cryptoeconomics, and its operative, offering insight into its role in shaping the financial institutions of the future. It presents a clear, practical and entertaining vision of tokenization, as well as the new concepts of cryptoeconomics, capital markets and traditional financial institutions, to bring the reader closer to both worlds.It provides a personal reflection by the author on the future of financial institutions and our current financial system with the transformative impact of tokenization and a new internet that gives ownership of data to users.
The SBI Story
About the BookA HISTORY OF INDIA'S BIGGEST NATIONAL BANKFrom princes to peasants, musicians to masons, cement plant owners to casual labourers-the State Bank of India (SBI) has been the bank for Indians. Widely trusted and near-ubiquitous, the SBI has come to symbolise banking across the length and breadth of the nation. The Presidency banks of the 1800s-the Bank of Bengal, the Bank of Madras and the Bank of Bombay-set up by the British to facilitate trade and the repatriation of remittances to England were its forebears.The SBI Story narrates the compelling circumstances that prompted the founding of the Presidency banks, how they fared back in the day and why they coalesced to emerge as the Imperial Bank in 1921, which came to be the State Bank of India in 1955.Vikrant Pandey traces the SBI's deep connection to India's economic progress, and the bank's proactive approach to change and to reinventing itself to meet the evolving needs of a growing nation. From banking for the classes to banking for the masses, it has striven to blend business goals with social obligations. A history of the SBI is the story of how banking emerged in the last two centuries, and of how closely it participated in the key events that shaped a nation. Indeed, it is another way of looking at Indian history itself. Deeply researched and written in vivid prose, this book is a must-read for anyone interested in business and economic history.About the AuthorVikrant Pande has translated twelve Marathi works into English, including Sambhaji (Vishwas Patil) and Duryodhan (Kaka Vidhate). His book (co-authored with Neelesh Kulkarni), In the footsteps of Rama: Travels with the Ramayana, was published in 2021. Vikrant's translation of Girish Kuber's Marathi work, Tatayan, The Tatas: How a Family Built a Business and a Nation won the Gaja Capital Best Business Book Award in 2019. Vikrant is a graduate of IIM Bangalore.
Crisis Cycle
How the euro survived a series of crises, and how to make it more resilient The euro has survived crises unimagined at its founding: the financial meltdown of 2007-2009, the sovereign debt crisis of 2010-2012, the pandemic, and the Russian invasion of Ukraine. The European Central Bank fought these crises with dramatic policy innovations, buying up vast amounts of debt and providing large loans to banks. But now everyone expects the ECB to intervene routinely, and the euro is more fragile as a result. Crisis Cycle recounts this history and offers recommendations for restoring a durable monetary union. Monetary and fiscal policy are intertwined, especially in a currency union like the eurozone. Member states can be tempted to borrow and spend too much, and then count on the ECB to rescue them by printing money to buy their bonds. To avoid these disincentives, the ECB was founded with a narrow mandate: use interest rates to pursue price stability, and don't buy sovereign debt. Debt and deficit rules would keep countries from getting into trouble. The ECB's emergency innovations brought back these disincentives. How can the EU avoid larger and larger bailouts? The authors argue that Europe needs a joint fiscal institution that can provide temporary help to sovereigns, a resolution mechanism so sovereign default is a motivating possibility, and bank reform that ensures sovereign default will not bring down the financial system. This timely book shows how to restore the euro's ambitious and effective founding framework. The unique group of authors combine extensive policy experience and authoritative academic credentials.
Money in the Bible. Volume 1
Money in the Bible: Money, Prosperity, and Wealth offers a powerful exploration of the Bible's teachings on money. This insightful book offers a comprehensive view of how God views wealth-not as something to be feared or avoided, but as a tool to be managed wisely and used for good.In today's world, where financial success is often pursued without regard for spiritual or ethical values, Money in the Bible presents a refreshing perspective. It reveals how wealth, throughout Scripture, represents not only material gain but also spiritual responsibility. From patriarchs like Abraham, David, and Solomon to the teachings of Jesus, the book shows how wealth and faith can coexist in harmony when approached with wisdom, generosity, and humility.Money in the Bible helps readers break free from long-held misconceptions and fears about money. It shows that God is not against wealth, but He warns against letting it become an idol. Instead, this book guides you through biblical principles of financial management, teaching you how to build wealth while remaining grounded in faith.You will learn to: Accept God's true intentions for wealth and prosperityFree yourself from the fear of money, often caused by false teachingsBuild a life of financial abundance while maintaining a solid spiritual foundationMaster the biblical principles of generosity, stewardship, and financial responsibilityAvoid the spiritual pitfalls of making money your masterWhether you are looking to improve your financial situation, better understand God's plans for prosperity, or simply want to understand the Bible's view of money, Money in the Bible offers a balanced and inspiring approach to wealth management according to biblical principles.This book will transform the way you view and manage money, helping you align your financial goals with your spiritual values. Perfect for believers, businesspeople, and anyone seeking wealth wisdom, it offers timeless advice on how to tackle money challenges with faith, integrity, and determination.
Money, Economics, and The United States
No economist has ever unambiguously explained to us where our money comes from. In their theories, the amount of money that we collectively hold depends on two fundamental factors. One is our "demand" for it, while the other is its "supply." Their naivety and ignorance have caused money, which is something everyone knows exactly what it is, to become elusive. Yet Milton Friedman, the father of monetarism, believed by controlling the money supply a government could effectively manage its economy. He was opposed to John Maynard Keynes, who argued that government should use tax and spending (i.e., fiscal policy) to manipulate the economy. Though they were rivalries, what's common between these two greatest figures in economics is the indispensable role of government in managing the economic well-being of a country. So how does it fare in delivering a better world for us to live in?The United States, leveraging its intrinsic economic strength and history of global military engagement, can navigate highs and lows in international affairs to its benefit. How? It makes other countries hold its currencies in the form of US bank liabilities. Or put plainly, that country's dominance is gained by exporting money, which has a subtle function that is totally unfound in economics. The power of a country is related to its capacity of devouring natural resources (or harming the environment)-where money is the means. As the foremost global economic force on the planet, does the US not set itself to be the leader on a potentially catastrophic course of destroying the world?From early barter economies to today's digital marketplace, humans have been progressing at the expense of Mother nature. That is the root of an intractable issue troubling modern civilization: climate change.
Theory and Econometrics of Financial Asset Pricing
This book will provide a firm foundation in the understanding of financial economics applied to asset pricing. It carries the real world perspective of how the market works, including behavioral biases, and also wraps that understanding in the context of a rigorous economics framework of investors' risk preferences, underlying price dynamics, rational choice in the large, and market equilibrium other than inexplicable irrational bubbles. It concentrates on analyses of stock, credit, and option pricing. Existing highly cited finance models in pricing of these assets are covered in detail, and theory is accompanied by rigorous applications of econometrics. Econometrics contain elucidations of both the statistical theory as well as the practice of data analyses. Linear regression methods and some nonlinear methods are also covered. The contribution of this book, and at the same time, its novelty, is in employing materials in probability theory, economics optimization, econometrics, and data analyses together to provide a rigorous and sharp intellect for investment and financial decision-making. Mistakes are often made with far too often sweeping pragmatism without deeply knowing the underpinnings of how the market economics works. This book is written at a level that is both academically rigorous for university courses in investment, derivatives, risk management, as well as not too mathematically deep so that finance and banking graduate professionals can have a real journey into the frontier financial economics thinking and rigorous data analytical findings.
Derivatives Theory and Practice
Though financial derivatives have been taught in courses in leading business schools for over 50 years, they are now universal, with exchanges having been set up around the globe. Excellent textbooks on derivatives are available. But many students in emerging markets desire a cogent and logical exposition that makes them aware of the specific challenges faced by their countries while developing exchanges. Derivatives Theory and Practice caters to this segment of readers whose requirements have not been adequately addressed in previous literature in the area. Unlike other heavily mathematical and quantitative works that prevent readers from understanding the underlying qualitative and conceptual facts, this book is a user-friendly resource to comprehend derivatives, especially those in the developing world, while also offering analysts and traders in first world markets adequate exposure to products and trading practices in emerging markets. Providing a balanced perspective focusing on both options as well as futures, this book will benefit both financial market professionals as well as students.
Manifesto for Breaking the Financial Slavery to Interest
Gottfried Feder's "Manifesto For Breaking The Financial Slavery To Interest" is one of a series of three books by the important, albeit now obscure German campaigner against parasitic debt-finance-capitalism.It was Feder who gave opposition to debt-finance and a demand for a new banking system a technical foundation without which the National Socialist economic and financial policies might not have gone beyond a vague enmity towards capitalism because of its identification with Jews.Feder attempted to interest the Munich Soviet in his ideas for banking reform, but in good Marxist fashion, this fell on deaf ears. It was left to the embryonic National Socialist group to see in Feder's ideas the means of achieving both freedom from debt-bondage and the means by which the state could assume its prime duty to issue the community's own credit, limited only by its productivity and creativity.Even though, as the Reich progressed, Feder, like many other early idealists, was relegated to minor rank within the Third Reich, his fundamental ideas provided the basis for Germany's socio-economic revival while the rest of the world wallowed in Depression. In this respect Feder is Germany's equivalent to New Zealand's John A. Lee, Australia's Jack Lang, U.S.A.'s Father Charles Coughlin, and Britain's C. H. Douglas and Arthur Kitson. Feder deserves an honoured place amongst the early fighters against usury-capital, a subject which continues to be, perhaps more than ever, of vital relevance to the world.
Asia Bond Monitor - September 2024
This edition shows that financial conditions in emerging East Asia have improved since July, leading to declining bond yields, amid moderating inflation and expected interest rate cuts both in advanced economies and the region. Emerging East Asia's currencies appreciated against the United States dollar and risk premiums narrowed. Regional equity markets gained except in the People's Republic of China and Hong Kong, China, where weak economic performance weighed on equity performance. Emerging East Asia's equity market recorded inflows of $7.6 billion between June and mid-August. Meanwhile, the local currency bond market expanded 2.3% by the end of June compared to the previous quarter, reaching $25.1 trillion.
Banking Shifts
"Banking Shifts: Nigeria's Financial Revolution 2002-2008" explores the effects of the 2005 recapitalization policy on Nigerian banks. The study analyzes key performance indicators-Net Profit Margin (NPM), Return on Assets (ROA), and Return on Capital Employed (ROCE)-comparing data from before and after the policy. While recapitalization improved capital efficiency, it had limited impact on profitability and asset utilization. The book provides essential insights for policymakers and financial professionals, emphasizing the need for strategic asset management to maximize the benefits of financial reforms in developing economies.
Fintech Wars
From unexpected scams to overnight riches, fintech is a captivating world full of fame, fortune and failure. Fintech Wars delves into one of the world's most lucrative and fast-growing sectors. Witness the bold strategies, groundbreaking innovations, and relentless drive that propelled fintech unicorns like PayPal, Nubank and Monzo to transform the world. Featuring interviews with generational founders including Reid Hoffman (LinkedIn), Nigel Morris (Capital One), and Martha Lane Fox (Lastminute.com), the narrators of this book have built companies that represent over one trillion dollars in market capitalization. As the founder of a digital bank, James da Costa is a fintech insider. He draws upon his network and first-hand experiences to offer a fascinating look into the intricacies and motivations behind building billion-dollar disruptors. Step into the fascinating, unpredictable and inspiring world of fintech.
Rigged Money
Wars and the need to fund them were the historic reason for banks to create excessive amounts of fiat money. This book explains how banks seized the wealth of society's most vulnerable members to create fiat money. During peacetimes, banks primarily lent to the government depriving the private sector of capital and resources. The unimpeded bank credit offered the government a convenient source for unlimited borrowing and spending. US banks also learned to offer fiat dollars to foreigners seizing the wealth of foreign dollar users. The peremptory confiscation of foreign dollar holdings by the US is poisoning the trust in the dollar and reestablishing gold as a reserve currency.
Fintech Wars
The Sunday Times Bestseller Fintech touches every part of our lives, from cashless economies to crypto, and even our climate. This book draws back the curtain on this fascinating world full of friction, failure and fortune. Fintech Wars delves into one of the world's most lucrative and fast-growing sectors. Witness the bold strategies, groundbreaking innovations, and relentless drive that propelled fintech unicorns like PayPal, Nubank and Monzo to transform the world. Featuring interviews with generational founders including Reid Hoffman (LinkedIn), Nigel Morris (Capital One), and Martha Lane Fox (Lastminute.com), the narrators of this book have built companies that represent over one trillion dollars in market capitalization. As the founder of a digital bank, James da Costa is a fintech insider. He draws upon his network and first-hand experiences to offer a fascinating look into the intricacies and motivations behind building billion-dollar disruptors. Step into the fascinating, unpredictable and inspiring world of fintech.
Financing Opportunity
Financial markets have fueled American prosperity for more than two centuries, so why are they often distrusted and criticized as harmful?The United States has had robust financial markets practically from the date the nation was founded. Within several years of ratifying the Constitution, the depth and breadth of America's banking and securities markets rivaled those of any other developed nation. And that's a good thing.America's financial system is inseparable from America's enormous growth, productivity, and prosperity. And while it's become popular to lay a host of ills at the feet of financial markets, markets are not themselves the cause of financial instability, income stagnation, or declining investment in productive endeavors. While our system is not perfect, many people would likely be shocked to learn just how many financial market deficiencies have been caused by harmful government policies.By providing historical context and a thorough yet easily accessible explanation of US financial markets, authors Norbert Michel and Jennifer Schulp provide a much-needed counterpoint to current debates and criticisms. Financing Opportunity not only busts many popular myths about financial markets but also proposes ways to improve how our financial markets function. With financial markets and American opportunity so closely tied, financial policy is vital to supporting growth, productivity, and prosperity.
Financing Opportunity
Financial markets have fueled American prosperity for more than two centuries, so why are they often distrusted and criticized as harmful?The United States has had robust financial markets practically from the date the nation was founded. Within several years of ratifying the Constitution, the depth and breadth of America's banking and securities markets rivaled those of any other developed nation. And that's a good thing.America's financial system is inseparable from America's enormous growth, productivity, and prosperity. And while it's become popular to lay a host of ills at the feet of financial markets, markets are not themselves the cause of financial instability, income stagnation, or declining investment in productive endeavors. While our system is not perfect, many people would likely be shocked to learn just how many financial market deficiencies have been caused by harmful government policies.By providing historical context and a thorough yet easily accessible explanation of US financial markets, authors Norbert Michel and Jennifer Schulp provide a much-needed counterpoint to current debates and criticisms. Financing Opportunity not only busts many popular myths about financial markets but also proposes ways to improve how our financial markets function. With financial markets and American opportunity so closely tied, financial policy is vital to supporting growth, productivity, and prosperity.
From Ruin to Riches
About the Book -This book is for profit lovers as businesses focus a lot on the top line. In some ways, it is right, but businesses should also focus on the bottom line and save money from wasting. Saving money is also earning money.Do you want to save your company from financial mistakes?Do you want to know where all the leakages are in your business?Do you want to know the best way to manage company funds?Do you want to save your company from financial fraud and losses?If the answer to any of the above is yes, you have the right book in your hand. The concepts in the book are learned in the process of saving more than $100 Million to a few companies. Every point in the book will open your eye toward making you more profitable.This book contains the knowledge that every entrepreneur, business owner, business student, and anyone who wants to learn how to build and run a successful business.One book that can save millions for you.About the Author -Shahul Hameed is a Successful and Proficient Entrepreneur, Investment Consultant, and Senior Finance Professional, he is a rare combination of operations expert, sales & marketing expert, Motivational Speaker, and Business Coach.He has completed CMA, CIA, and MBA in Finance & Marketing, and is a Chief Finance Officer (USA). He has served as a Sr. Internal Auditor as well as Sr. Management in one of the largest airlines in the world.His profound knowledge and experience in many fields of business, like airlines, travel & tourism, shipping, logistics, trading, manufacturing, and real estate, led him to create his own network around the world.Today he is running successful companies in UAE and international markets. He is an angel investor and inspires & mentors many companies. He is on a mission to help one million people become successful business owners by educating the importance of finance management in business.
Regulating Open Banking
FinTech transformations have brought changes to the global financial markets and merit the attention of financial regulators across jurisdictions.This book is one of the first ones of its kind to look at open banking ('OB').
Experiential Learning in Engineering Education
Experiential learning is an evolving form of education that involves "learning by doing" and having the students reflect on the work. The book discusses recent developments in the use of experiential learning for engineering education. It covers a range of teaching innovations and includes case studies from institutions around the world.
Cybercrime and Cybersecurity in the Global South
This book examines the trends and impacts of cyber-related incidents on Global South economies. It further explores cybersecurity challenges, threats, and risks likely faced by businesses and governments of the region. It offers tools, techniques, and legislative frameworks that can improve the Global South's cybersecurity posture.
Rethinking World Bank Influence
Why is it so hard for international development organizations-even ones as well-resourced and influential as the World Bank-to generate and sustain change in the way things are done in those countries where they work? This book provides an answer to the question.
Psychology and Human Performance in Space Programs
This volume will be of interest to professionals in the field of human psychology in extreme environments.
Success is a Goal - Universal Passport to Attain Happiness, Goals, and Financial Mastery
Immerse yourself in a journey of financial success based on your action and consistency. This will guide you in managing your financial movements, in the art of creating a personal Vision Board for clearer goals, and in monitoring your financial expenses. With the help of customized maps, each day you will be guided towards achieving your objectives. Remember, success is the result of small steps, and this book will help you define and realize your financial goals. Take your pen, note down your financial data, visualize your vision, and get ready to see success blossom with every page.
Beyond Banks
How new technology is rapidly changing the nature of money and the way we pay A diverse and growing range of financial institutions and platforms--from PayPal and Venmo to WeChat, Alipay, and the brave new world of stablecoins--has harnessed new technology to disrupt the system of money and payments as we know it. Beyond Banks explains why this disruption holds out the promise of faster, cheaper, more convenient, and more secure payments, but also how it increasingly risks exposing consumers, businesses, and governments to the problem of bad money. Dan Awrey traces the origins of our current bundled system of banking, money, and payments. He explains why the problem of bad money--the result of antiquated and inadequate laws and regulation that fail to establish credible commitments to hold, transfer, or return a customer's money on demand--requires that policymakers fundamentally rethink their approach toward the design of the laws and institutions at the heart of this system. He presents ways to effectively unbundle banking from money and payments, ensure the credibility of monetary commitments, and promote the stability of this system. Awrey also envisions a more forward-looking role for policymakers in encouraging greater technological experimentation, competition, and innovation in the realm of payments. Beyond Banks sheds critical light on the important but too often dysfunctional relationship among technology, regulation, and money, and lays the foundations for a safer, more nimble, and more inclusive system of money and payments.
Something for Nothing?
Usury is a topic with a long and complex history. While it is typically understood today as the practice of charging excessive interest, this is a far cry from the meaning given to it by ancient and medieval authors, who considered the charging of any interest on a mutuum (a loan of such things as are estimated by weight, number, or measure) to be usury. Finding a thorough, coherent, and believable explanation for so monumental a difference in outlook has been nearly impossible-until now. In this provocative work, David Hunt explains and defends the traditional view that usury is a charge for something that does not exist and is therefore a form of theft. Indeed, usury begets a form of chattel slavery, since charging interest on a mutuum is an attempt to profit by treating the borrower as the lender's property. Not only does Hunt present and clarify the classic arguments (as seen above all in St. Thomas Aquinas), he also carefully distinguishes usury from morally legitimate ways in which rent and fees may be charged. He shows how modern economists from the late seventeenth century onward misconstrue the issues at hand, leading not so much to the refutation of the old view as to a distortion and neglect of it that persists to this day. Drawing on a wide range of economists and theologians, Hunt pierces to the heart of the usury debate, thoroughly debunking the claim of John T. Noonan that usury is a "dead issue" to which only to "a few inveterate haters of the present order" pay heed. In reality, a clear grasp of usury is crucial to understanding why many modern Westerners live in a state of financial slavery-and why this was not the inevitable result of "progress" but a direct consequence of subordinating moral reasoning to economic analysis.
Do Good While Doing Well Official Workbook
"With Do Good While Doing Well Official Workbook, Marcia has done a tremendous service to both seasoned investors and those new to the field. She demystifies angel investing and shows it as a viable tool for societal change, providing readers with the knowledge and confidence to take action. It's a compelling workbook that will undoubtedly inspire many to invest with intention." -Dr. Marshall Goldsmith, Thinkers50 #1 Executive Coach and New York Times bestselling author of The Earned Life, Triggers, and What Got You Here Won't Get You There"An inspiring and insightful guide that challenges and changes the way we think about investments. This workbook is a powerful tool for anyone wanting to leverage their financial resources for social good." -Dorie Clark, Wall Street Journal bestselling author of The Long Game and executive education faculty, Columbia Business SchoolHave you ever wondered how you can make a real difference?Discover your impact potential with the Do Good While Doing Well Official WorkbookEmbark on a transformative journey with the Do Good While Doing Well Official Workbook, a practical, interactive guide designed to complement the stories and insights from the main book. This workbook provides a structured path for self-reflection to help you identify your passions, align your financial goals, and understand the importance of angel investing as a tool for creating meaningful change.In the first section, evaluate your current involvement in creating change, whether it's extensive or minimal. This part of the workbook helps you identify what matters most to you and where you might want to focus your time or money to drive change, even if you are unsure how to start.The second section explores the criteria for selecting start-up companies that align with your values and objectives. You'll gain practical strategies and tools to evaluate potential early-stage investments and ensure they resonate with your vision for positive change.Finally, in the third section, finalize your plans to take action. Whether you begin by exploring start-up activity in your local area, mentoring an entrepreneur, or joining an angel group, you'll be equipped with numerous options. From exploring equity crowdfunding platforms and creating a mock portfolio to investing with philanthropic dollars or retirement accounts, you'll uncover many avenues for making a meaningful impact while pursuing potential financial returns.
Money Mysteries
Mysteries of Wealth and Power UncoveredStep into the labyrinthine world of financial intrigue with "Money Mysteries: Unveiling Hidden Agendas". This riveting expos矇 takes you on a journey through the unseen forces that shape our global economy, pulling back the curtain on the shadowy machinations of money and power.Have you ever wondered how ancient trade evolved into today's complex financial systems? The book kicks off by taking you through time, from rudimentary barter systems to the sophisticated currencies that underpin modern economies. As you delve deeper, you'll uncover the clandestine origins and the creation of central banks, including the enigmatic Federal Reserve, whose influence permeates contemporary economic practices.Ever speculated about the true power players behind the scenes? Learn about the secret societies like the Illuminati and the Freemasons who have left their indelible marks on the banking world. Chapter by chapter, you'll uncover how global institutions like the IMF and the World Bank have hidden agendas that affect nations worldwide.So, why does gold hold such enduring charm, and how have its prices been manipulated over centuries? Dig into the gold conspiracy and discover the transition from gold-backed currency to fiat money, and its catastrophic consequences on global debt. Also, explore the dark alleys of market manipulation, where stock market crashes and pump-and-dump schemes wreak havoc.Political enthusiasts and skeptics alike will be captivated by the chapter on dark money's insidious influence on politics, lobbying, and legislation. And just when you think you've seen it all, venture into the uncharted waters of cryptocurrency and offshore accounts-the 21st century's Wild West.Concluding with a glimpse into the digital transformation and the possible emergence of a cashless society, this book is a definitive guide that prepares you for what lies ahead. "Money Mysteries: Unveiling Hidden Agendas" is not just a book; it's a revelation.
5G and Next-Gen Consumer Banking Services
This book covers: - Decentralization of the Banks - Banking without Banks - 5G will change Bank Industry - BlockChain adoption by the Banking industry - Modern Banking Industry
The Boom & the Boom
The Boom & The Boom is a profound, accessibly written analysis that will appeal to both scholars and an engaged general audience. (Mengmeng Zhu, Extrapolation, vol. 66, no. 1 (2025)) The Boom & the Boom, like China Mi矇ville's The City and the City, presents a puzzle involving two parallel worlds. It builds a bridge for both worlds, forms mutually stimulating mirror images for both cultures, and creates a beautiful structure of discursive exploration of the multiplicity of contemporary science fiction beyond national boundaries. (Mingwei Song, author of Fear of Seeing: A Poetics of Chinese Science Fiction (2023), SFRA Book Award Winner) Twenty-five years ago, many of us thought we were in a period of growth: the British SF Boom. Lyu's very readable book locates this radical sf in its political and economic contexts, but his genius is to discuss a parallel event: the Chinese SF Boom. This is a brilliant exploration of the genre outside the Gernsback-Campbell Continuum of American SF. (Andrew M. Butler, Managing Editor, Extrapolation) This is a thoughtful and thought-provoking analysis of two sf booms, one in Britain, one in China, which until now seemed invisible to each other. LYU Guangzhao's carefully paired readings of key novels show that sf is a global phenomenon but that, like economic globalisation itself, it takes distinctive local forms. Let a hundred schools of thought contend and a hundred science fictions boom! (Mark Bould, Professor of Film and Literature, UWE Bristol) The Boom & The Boom provides a comparative study of the recent science fiction renaissances in the UK and China, known as the British and Chinese SF Booms, which emerged in the late 1980s. It contextualizes the two booms within the transformative political and cultural histories of both countries, characterized by the politico-economic shifts initiated by Margaret Thatcher and Deng Xiaoping. In an era marked by the state's retreat from society and the redefinition of social subjects through market competition, science fiction assumes a crucial counter position for cultural critique, envisioning alternatives and possibilities embodied in utopian hopes.
Performance Evaluation and Impact Analysis of Credit Disbursed
The Co-Operative banks were mainly started to provide access to credit to farmers in rural areas. These banks work on the principle of co-operation and focus on empowering and securing the low-income people. These banks provide rural financing and micro financing. Their main objective is to provide agricultural loans to farmers at a low or decent interest rates, for the improvement of agriculture and allied activities in India. These banks provide different loans to cater to different types of loan seekers and their credit requirements. The loans can be broadly classified into short term loans, medium term loans and long- term loans. The Gujarat State Co-operative Agriculture Rural Development Bank Ltd. (GSCARDB), called as Kheti Bank is one among such Co-operative banks, which dispenses credit for agriculture and allied activities through branches in Gujarat State. The contributions of GSCARD bank to the development of agriculture and rural development in Gujarat has been remarkable.
Enterprise Risk Management in Today's World
In recent years events such as a global pandemic, huge technological changes, and war in Europe have demonstrated how organizations manage risk is more important than ever. Plans, models and ideas to mitigate disruptive situations are needed to ensure future success. Enterprise Risk Management in Today's World examines enterprise risk management in its past, present and future, exploring the role that directors and leaders in organizations have in devising risk management strategies, analysing values such as trust, resilience, CSR and governance within organizations. Benefiting students, researchers and high-level decision makers, this volume fills a gap in the existing literature of the interaction between business and society in the field of enterprise risk management. Emerald Studies in Finance, Insurance, and Risk Management provides a platform for authors to explore, analyse and discuss current and new financial models and theories, and engage with innovative research on an international scale. Subjects of interest may include banking, accounting, auditing, compliance, sustainability, behaviour, management, and business economics.
Enterprise Risk Management in Today's World
In recent years events such as a global pandemic, huge technological changes, and war in Europe have demonstrated how organizations manage risk is more important than ever. Plans, models and ideas to mitigate disruptive situations are needed to ensure future success. Enterprise Risk Management in Today's World examines enterprise risk management in its past, present and future, exploring the role that directors and leaders in organizations have in devising risk management strategies, analysing values such as trust, resilience, CSR and governance within organizations. Benefiting students, researchers and high-level decision makers, this volume fills a gap in the existing literature of the interaction between business and society in the field of enterprise risk management. Emerald Studies in Finance, Insurance, and Risk Management provides a platform for authors to explore, analyse and discuss current and new financial models and theories, and engage with innovative research on an international scale. Subjects of interest may include banking, accounting, auditing, compliance, sustainability, behaviour, management, and business economics.
Getting Started with Passive Income
Is passive income really possible? Can you really make money while you sleep? Can you make a living without having a job? Personal- development innovator Steve Pavlina has been doing just that for more than 25 years, and in this succinct but powerful book, he explains how you can do it too.Steve writes, "I can't teach you real estate or stock investing, nor can I teach you how to create a blog as successful as mine has been. But I can still teach you how to create your own streams of passive income, first in a general way and then specifically in the methods I've used. If you simply follow these steps with me, including getting into the passive income mindset, then this year you're going to create at least one new stream of passive income for yourself."If you're serious about understanding passive income and changing your life to achieve it, Steve Pavlina's Getting Started with Passive Income provides inspiration, encouragement, and solid advice. Steve notes, "It's much easier to earn passive income today than it was when I first began on this path. There are such ridiculous opportunities out there, especially online. People figured out how to earn passive income thousands of years ago. Surely with all the additional knowledge and resources available to you today, you can do this too."
