Beyond Banks
Beyond Banks

Author: Dan Awrey

Publisher: Princeton University Press

Published: 2024-10-22

Total Pages: 304

ISBN-13: 0691245428

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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.

Banking Beyond Banks and Money
Banking Beyond Banks and Money

Author: Paolo Tasca

Publisher: Springer

Published: 2016-09-01

Total Pages: 319

ISBN-13: 3319424483

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Do you know how banking and money will look like in the new digital age? This book collects the voices of leading scholars, entrepreneurs, policy makers and consultants who, through their expertise and keen analytical skills, are best positioned to picture from various angles the ongoing technological revolution in banking and finance. You will learn how lending and borrowing can exist without banks; how new forms of money can compete to better serve different society needs; how new technologies are banking the unbanked communities in the poorest parts of the world, and how ideas and small projects can be financed by the crowds without the need to rely upon banks. You will learn how, in the new digital age, we will interact with new self-organised and autonomous companies that operate without any human involvement, based on a set of programmed and incorruptible rules. You will learn that new business models will emerge thanks to technology-enabled platforms, upon which one can build new forms of non-hierarchical cooperation between strangers. And you will also learn that new forms of risks and threats are emerging that will destabilise our systems and jeopardise the stability of our financial order.

Funding Your Future Beyond Banks
Funding Your Future Beyond Banks

Author: Paul T. Ayres

Publisher: Balboa Press

Published: 2022-12-11

Total Pages: 157

ISBN-13:

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I have dealt with thousands of people in my 35-year banking career. Paul is one of the most precise, thoughtful, and prepared clients I have experienced. This kind of commitment to details is rarely seen in our industry. Paul is qualified, through his vast experience and achievements, to share on the subject of creating a strong business plan and acquiring financing for a business. Thinking outside the box is a strength of Paul’s and shows that securing traditional means of funding is not the only path to success. Adhering to Paul’s guidance in this book will provide a solid foundation for other entrepreneurs and business owners. Paul Kohler – (Past President – Charter Bank) – Senior Vice President & Western Banking Manager – Nicolet National Bank

Beyond Piggy Banks and Lemonade Stands
Beyond Piggy Banks and Lemonade Stands

Author: Liz Frazier

Publisher: Rowman & Littlefield

Published: 2019-09-09

Total Pages: 177

ISBN-13: 1475847637

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Beyond Piggy Banks is written for you: the loving, responsible and overworked parents of young children. It takes the stress and mystery out of finance, and focuses on the basic fundamentals elementary children should understand so they can make smart decisions as they grow. This usable, light hearted, real-world guide provides parents with the specific tools and step-by-step lessons needed to teach their child. The lessons provided are easy to teach and understand. The activities are quick, enjoyable and educational. Each concept starts with the basics, and builds upon them so your child has a full understanding of the topic. The chapters are broken out into simple and digestible sections, made for busy parents who don’t have time for a finance novel. Most of all, the book focuses on how to incorporate teaching finance to your child through everyday real-world activities that you and your child are already doing. This book provides parents with the confidence to teach simple financial basics to children. With that confidence comes excitement and inspiration; by teaching your children about finance you will influence every step of their lives in a positive and meaningful way. The ultimate goal of this book, and of any parent, is to raise healthy, independent and responsible children; kids who are prepared when adulthood hits!

Beyond Bitcoin
Beyond Bitcoin

Author: Simon Dingle

Publisher: Icon Books

Published: 2022-01-06

Total Pages: 175

ISBN-13: 1785788310

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After over a decade of Bitcoin, which has now moved beyond lore and hype into an increasingly robust star in the firmament of global assets, a new and more important question has arisen. What happens beyond Bitcoin? The answer is decentralised finance - 'DeFi'. Tech and finance experts Steven Boykey Sidley and Simon Dingle argue that DeFi - which enables all manner of financial transactions to take place directly, person to person, without the involvement of financial institutions - will redesign the cogs and wheels in the engines of trust, and make the remarkable rise of Bitcoin look quaint by comparison. It will disrupt and displace fine and respectable companies, if not entire industries. Sidley and Dingle explain how DeFi works, introduce the organisations and individuals that comprise the new industry, and identify the likely winners and losers in the coming revolution.

Sovereign Money
Sovereign Money

Author: Joseph Huber

Publisher: Springer

Published: 2016-12-09

Total Pages: 212

ISBN-13: 3319421743

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In coming to terms with the still smoldering financial crisis, little attention has been paid to the flaws within our monetary system and how these flaws lie at the root of the crisis. This book provides an introduction and critical assessment of the current monetary system. It begins with an up to date account of the workings of today’s system of state-backed ‘bankmoney’, illustrating the various forms and issuers of money, and discussing money theory and fallacy past and present. It also looks at related economic challenges such as inflation and deflation, asset inflation and bubble building that lead to market instability and examines the ineffectual monetary policies and primary credit markets that are failing to reach some sort of self-limiting equilibrium. In order to fix our financial system, we first need to understand its limitations and the flaws in current monetary and regulatory policy and then correct them. The concluding part of this book is dedicated to the latter, advocating a move towards the sovereign monetary prerogatives of issuing the entire stock of official money and benefitting from the gain thereof (seigniorage). The author argues that these functions should be made the sole responsibility of independent and impartial central banks with full control over the stock of money (not the uses of money) on the basis of a legal mandate that would be more detailed than is the case today. This includes a thorough separation of monetary and fiscal powers, and of both from banking and wider financing functions. This book provides a welcome addition to the banking literature, guiding readers through the inner workings of our monetary and regulatory environments and proposing a new way forward that will better protect our economy from financial instability and crisis.

Reinventing Food Banks and Pantries
Reinventing Food Banks and Pantries

Author: Katie S. Martin

Publisher: Island Press

Published: 2021-03-09

Total Pages: 282

ISBN-13: 1642831530

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In the US, there is a wide-ranging network of at least 370 food banks, and more than 60,000 hunger-relief organizations such as food pantries and meal programs. These groups provide billions of meals a year to people in need. And yet hunger still affects one in nine Americans. What are we doing wrong? In Reinventing Food Banks and Pantries, Katie Martin argues that if handing out more and more food was the answer, we would have solved the problem of hunger decades ago. Martin instead presents a new model for charitable food, one where success is measured not by pounds of food distributed but by lives changed. The key is to focus on the root causes of hunger. When we shift our attention to strategies that build empathy, equity, and political will, we can implement real solutions. Martin shares those solutions in a warm, engaging style, with simple steps that anyone working or volunteering at a food bank or pantry can take today. Some are short-term strategies to create a more dignified experience for food pantry clients: providing client choice, where individuals select their own food, or redesigning a waiting room with better seating and a designated greeter. Some are longer-term: increasing the supply of healthy food, offering job training programs, or connecting clients to other social services. And some are big picture: joining the fight for living wages and a stronger social safety net. These strategies are illustrated through inspiring success stories and backed up by scientific research. Throughout, readers will find a wealth of proven ideas to make their charitable food organizations more empathetic and more effective. As Martin writes, it takes more than food to end hunger. Picking up this insightful, lively book is a great first step.

13 Bankers
13 Bankers

Author: Simon Johnson

Publisher: Vintage

Published: 2010-03-30

Total Pages: 338

ISBN-13: 0307379221

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In spite of its key role in creating the ruinous financial crisis of 2008, the American banking industry has grown bigger, more profitable, and more resistant to regulation than ever. Anchored by six megabanks whose assets amount to more than 60 percent of the country’s gross domestic product, this oligarchy proved it could first hold the global economy hostage and then use its political muscle to fight off meaningful reform. 13 Bankers brilliantly charts the rise to power of the financial sector and forcefully argues that we must break up the big banks if we want to avoid future financial catastrophes. Updated, with additional analysis of the government’s recent attempt to reform the banking industry, this is a timely and expert account of our troubled political economy.

Priests of Prosperity
Priests of Prosperity

Author: Juliet Johnson

Publisher: Cornell University Press

Published: 2016-02-25

Total Pages: 311

ISBN-13: 1501703757

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Priests of Prosperity explores the unsung revolutionary campaign to transform postcommunist central banks from command-economy cash cows into Western-style monetary guardians. Juliet Johnson conducted more than 160 interviews in seventeen countries with central bankers, international assistance providers, policymakers, and private-sector finance professionals over the course of fifteen years. She argues that a powerful transnational central banking community concentrated in Western Europe and North America integrated postcommunist central bankers into its network, shaped their ideas about the role of central banks, and helped them develop modern tools of central banking. Johnson's detailed comparative studies of central bank development in Hungary, the Czech Republic, Slovakia, Russia, and Kyrgyzstan take readers from the birth of the campaign in the late 1980s to the challenges faced by central bankers after the global financial crisis. As the comfortable certainties of the past collapse around them, today’s central bankers in the postcommunist world and beyond find themselves torn between allegiance to their transnational community and its principles on the one hand and their increasingly complex and politicized national roles on the other. Priests of Prosperity will appeal to a diverse audience of scholars in political science, finance, economics, geography, and sociology as well as to central bankers and other policymakers interested in the future of international finance, global governance, and economic development.