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"In the next 10 years, we'll see more disruption and changes to the banking and financial industry than we've seen in the preceding 100 years"—Brett King Breaking Banks: The Innovators, Rogues, and Strategists Rebooting Banking is a unique collection of interviews take from across the global Financial Services Technology (or FinTech) domain detailing the stories, case studies, start-ups, and emerging trends that will define this disruption. Features the author's catalogued interviews with experts across the globe, focusing on the disruptive technologies, platforms and behaviors that are threating the traditional industry approach to banking and financial services Topics of interest covered include Bitcoin's disruptive attack on currencies, P2P Lending, Social Media, the Neo-Banks reinventing the basic day-to-day checking account, global solutions for the unbanked and underbanked, through to changing consumer behavior Breaking Banks is the only record of its kind detailing the massive and dramatic shift occurring in the financial services space today.
What was once an industry built on trust, professionalism and value, has become synonymous with greed, complacency and everything that has gone wrong with capitalism. So how did Australian banks, which avoided much of the aftermath of the GFC, lose their way and become engulfed in scandal? Breaking the Banks delves into the causes and effects of the banking crisis that plagued Australia and the world, to re-establish the fundamentals of banking that for so long have been overshadowed by power and wealth, and provides us with a crucial blueprint to revolutionise the future of banking. With expertise in banking that spans over three decades and several markets and as a former senior executive at two of Australia’s largest banks, Joseph Healy, co-founder and co-CEO of Judo Bank, writes the insider’s account of the banking crisis that plagued Australia and the world.
An in-depth look at the problems surrounding zombie banks and their dangerous effect on the global economy “The title is worthy of a B movie, but it's also apt. Bloomberg News reporter Yalman Onaran, supported by former U.S. Federal Deposit Insurance Corp. chief Sheila Bair - who provides a foreword and numerous interviews - urge that insolvent banks both small and too big to fail be allowed to do precisely that. Reading bank balance sheets is not everyone's idea of a good time. But Mr. Onaran, with support from Ms. Bair, does the chore and explains what it means. Mr. Onaran shows that the process of rescuing dead and dying banks is increasing systemic risk in the global banking system. And that is really more frightening than scream flicks from Tinseltown.” -- Financial Post “Yalman Onaran knows of putrid financial institutions, having written about them in his native Turkey so successfully he brought down a few in Istanbul in the late '90's.” -- Huffington Post “Do We Love Zombie Banks? The new book by Yalman Onaran of Bloomberg News, Zombie Banks: How Broken Banks and Debtor Nations Are Crippling the Global Economy, is a well-organized and clearly written discussion of the use of leverage to provide growth in many different economies. Onaran has carefully researched the zombie phenomenon and makes some important points in this concise volume about both public policy and the concerns of investors. One of the more interesting early threads in the book is the juxtaposition of the experience of the US in the S&L crisis and Japan in the 1980s and 1990s with the US today. Zombie Banks is a good review of the latest thinking about the ebb and flow of the political economy.” -- R. Christopher Whalen, author of Inflated Zombie banking has become standard operating procedure for big debtor nations. They prop up failing institutions, print money, and avoid financial corrections. But in an attempt to prolong the inevitable, bigger problems are created. The approach used now has not, and will not, work. This timely book reveals why. Zombie Banks tells the story of how debtor nations and failing institutions are damaging the long-term prospects of the global economy. Author Yalman Onaran, a veteran Bloomberg News reporter and financial banking sector expert, examines exactly what a zombie bank is and why they are kept alive. He also discusses how they hurt economic recovery and what needs to be done in order to restore stability. Along the way, Onaran takes an honest look at how we arrived at this point and details the harsh realities that must be faced, and the serious steps that must be taken, in order to get things headed in the right direction. Puts insolvent banks and debtor nations in the spotlight and examines how they are crippling the global economy On the record sources include Paul Volcker, Joseph Stiglitz, Sheila Bair, and many more bank executives, regulators, politicians, and policymakers in the United States and abroad Takes the complexity of the current situation and translates it in a way that makes it understandable While the short-term measures taken to stave off depression and rejuvenate economic growth may offer hope, they are unsustainable over the long term. Get a better look at what really lies ahead, and what it will take to improve our economic situation, with this book.
Winner of best book by a foreign author (2019) at the Business Book of the Year Award organised by PwC Russia The future of banking is already here — are you ready? Bank 4.0 explores the radical transformation already taking place in banking, and follows it to its logical conclusion. What will banking look like in 30 years? 50 years? The world’s best banks have been forced to adapt to changing consumer behaviors; regulators are rethinking friction, licensing and regulation; Fintech start-ups and tech giants are redefining how banking fits in the daily life of consumers. To survive, banks are having to develop new capabilities, new jobs and new skills. The future of banking is not just about new thinking around value stores, payment and credit utility — it's embedded in voice-based smart assistants like Alexa and Siri and soon smart glasses which will guide you on daily spending and money decisions. The coming Bank 4.0 era is one where either your bank is embedded in your world via tech, or it no longer exists. In this final volume in Brett King's BANK series, we explore the future of banks amidst the evolution of technology and discover a revolution already at work. From re-engineered banking systems, to selfie-pay and self-driving cars, Bank 4.0 proves that we're not on Wall Street anymore. Bank 4.0 will help you: Understand the historical precedents that flag a fundamental rethinking in banking Discover low-friction, technology experiences that undermine the products we sell today Think through the evolution of identity, value and assets as cash and cards become obsolete Learn how Fintech and tech "disruptors" are using behaviour, psychology and technology to reshape the economics of banking Examine the ways in which blockchain, A.I., augmented reality and other leading-edge tech are the real building blocks of the future of banking systems If you look at individual technologies or startups disrupting the space, you might miss the biggest signposts to the future and you might also miss that most of we've learned about banking the last 700 years just isn't useful. When the biggest bank in the world isn't any of the names you'd expect, when branch networks are a burden not an asset, and when advice is the domain of Artificial Intelligence, we may very well have to start from scratch. Bank 4.0 takes you to a world where banking will be instant, smart and ubiquitous, and where you'll have to adapt faster than ever before just to survive. Welcome to the future.
A rags-to-riches-to-ruin saga of a powerful banking empire--built by an immigrant's son to serve "the little guy"--tells how billions of dollars were lost and what BankAmerica is doing to pick up the pieces
Can we prevent another financial crisis? We can! Break Up the Banks! is a sensible, actionable, and totally accessible call to arms from an acclaimed financial journalist It’s been eight years since the financial crisis, but has anyone taken real action to prevent the next one? Former Economist reporter David Shirreff thinks not, and in Break Up the Banks!, he gives us a short but essential guide to what exactly we can do. With great clarity and a keen sense of humor, Shirreff argues that banks have gotten far too big and far too powerful—and shows how they can be reined in.
Author : John Best Publisher : John Wiley & Sons Page : 336 pages File Size : 45,6 Mb Release : 2018-02-09 Category : Business & Economics ISBN : 9781119421924
Strategic technology strategy for smaller financial institutions Breaking Digital Gridlock empowers credit unions and community banks to make the shift to digital—even without a seven-figure consulting budget. From leadership, to technology, to security, and more, this book provides effective, real-world strategies for taking the leap without tearing your organization apart. With an emphasis on maintaining the culture, services, and features you have carefully crafted for your customers over the years, these strategies allow you to make your organization more resistant to digital disruption by adopting key technologies at key points in their evolution. Expert advice grounded in practicality shows how FinTech partnerships and strategic technology acquisition can foster new growth with minimal disruption, and how project management can be restructured to most effectively implement any digital solution and how to implement and leverage analytics. Specific implementation advice coupled with expert approaches offer the ability to modernize in an efficient, organized, financially-sound manner. The companion website features a digital readiness assessment that helps clarify the breadth and scope of the change, and serves as a progress check every step of the way. Access to digital assets helps smooth the path to implementation, and a reader forum facilitates the exchange of ideas, experiences, and advice. Identify revolutionary versus evolutionary technology opportunities Empower employee innovation, and stop managing all risk out of good ideas Understand blockchain, machine learning, cloud computing, and other technologies Forge strategic partnerships that will drive growth and success amidst technological upheaval It is widely accepted that digital is the future of banking, but knowing is not the same as doing. If your organization has been riding the fence for too long amidst uncertainty and budget constraints, Breaking Digital Gridlock provides the solutions, strategies, and knowledge you need to begin moving forward.
“A sweeping account of financial calamities . . . shows how often we’ve been wracked by crises, and how quickly we forget why, setting up the next one.” —Mark Zandi, Chief Economist, Moody’s Analytics In the 1930s, battered and humbled by the Great Depression, the U.S. financial sector struck a grand bargain with the federal government. Bankers gained a safety net in exchange for certain curbs on their freedom: transparency rules, record-keeping and antifraud measures, and fiduciary responsibilities. Despite subsequent periodic changes in these regulations, the underlying bargain played a major role in preserving the stability of the financial markets as well as the larger economy. By the free-market era of the 1980s and 90s, however, Wall Street argued that rules embodied in New Deal–era regulations to protect consumers, and ultimately taxpayers, were no longer needed—and government agreed. This clear, deeply researched history documents the country’s financial crises, focusing on those of the 1920s, the 1980s, and the 2000s, revealing how the two more recent crises arose from the neglect of this fundamental bargain, and how taxpayers have been left with the bill. “An engaging analysis . . . The section on the S & L crisis is excellent.” —Choice “A fluent if dispiriting study of an economic system that forgives those at the top so long as those at the bottom remain willing to foot the bill.” —Kirkus Reviews
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.
Breaking Unhealthy Soul-Ties by Bill Banks,Sue Banks Pdf
Are you in bondage to a person? Does someone else manipulate you? Are you easily controlled, dominated? Are you tormented with thoughts of a former lover? Have you bound yourself by your words (vows, oaths, promises)? Are you free to be all God intended you to be? Bill & Sue Banks provide powerful revelation and insight into the subject of Soul-Ties, including: What are the symptoms of a healthy, Godly relationship? What are the symptoms of an unhealthy, ungodly relationship? This book offers powerful help to being set free from unnatural bondages (or soul ties) to people, places, and things, such as ex-lovers, people around you who practice manipulation, and others. "Here, at last, is a thorough and theologically sound treatment of a little understood subject..." from the Foreword by Frank Hammond
The novels of Iain M. Banks have forever changed the face of modern science fiction. His Culture books combine breathtaking imagination with exceptional storytelling, and have secured his reputation as one of the most extraordinary and influential writers in the genre. 'Banks is a phenomenon' William Gibson Two and a half millennia ago in a remote corner of space, beside a trillion-year-old dying sun from a different universe, the artifact appeared. It was a perfect black-body sphere, and it did nothing. Then it disappeared. Now it is back. Diplomat Genar-Hofoen of Special Circumstances is sent to investigate but, sidetracked by an old flame and the spoiled-brat operative Ulver Seich, and faced with the systematic depravities of a race who call themselves the Affront, it's anyone's guess whether he'll succeed . . . Praise for the Culture series: 'Epic in scope, ambitious in its ideas and absorbing in its execution' Independent on Sunday 'Banks has created one of the most enduring and endearing visions of the future' Guardian 'Jam-packed with extraordinary invention' Scotsman 'Compulsive reading' Sunday Telegraph The Culture series: Consider Phlebas The Player of Games Use of Weapons Excession Inversions Look to Windward Matter Surface Detail The Hydrogen Sonata The State of the Art Other books by Iain M. Banks: Against a Dark Background Feersum Endjinn The Algebraist Also now available: The Culture: The Drawings - an extraordinary collection of original illustrations faithfully reproduced from sketchbooks Banks kept in the 1970s and 80s, depicting the ships, habitats, geography, weapons and language of Banks' Culture series of novels in incredible detail.
