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The Future of Money

Author: Eswar S. Prasad

Publisher: Harvard University Press

Published: 2021-09-28

Total Pages: 497

ISBN-13: 0674258444

A cutting-edge look at how accelerating financial change, from the end of cash to the rise of cryptocurrencies, will transform economies for better and worse. We think weÕve seen financial innovation. We bank from laptops and buy coffee with the wave of a phone. But these are minor miracles compared with the dizzying experiments now underway around the globe, as businesses and governments alike embrace the possibilities of new financial technologies. As Eswar Prasad explains, the world of finance is at the threshold of major disruption that will affect corporations, bankers, states, and indeed all of us. The transformation of money will fundamentally rewrite how ordinary people live. Above all, Prasad foresees the end of physical cash. The driving force wonÕt be phones or credit cards but rather central banks, spurred by the emergence of cryptocurrencies to develop their own, more stable digital currencies. Meanwhile, cryptocurrencies themselves will evolve unpredictably as global corporations like Facebook and Amazon join the game. The changes will be accompanied by snowballing innovations that are reshaping finance and have already begun to revolutionize how we invest, trade, insure, and manage risk. Prasad shows how these and other changes will redefine the very concept of money, unbundling its traditional functions as a unit of account, medium of exchange, and store of value. The promise lies in greater efficiency and flexibility, increased sensitivity to the needs of diverse consumers, and improved market access for the unbanked. The risk is instability, lack of accountability, and erosion of privacy. A lucid, visionary work, The Future of Money shows how to maximize the best and guard against the worst of what is to come.

Just Money

Author: Katrin Kaufer

Publisher: MIT Press

Published: 2021-02-02

Total Pages: 189

ISBN-13: 0262542226

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How to use finance as a tool to build a more equitable and sustainable society. Money defines our present and will shape our future. Every investment decision we make adds a chapter to the story of what our world will look like. Although the idea of mission-based finance has been around for decades, there is a gap between organizations' stated intention to "do good" and meaningful impact. Still, some are succeeding. In Just Money, Katrin Kaufer and Lillian Steponaitis take readers on a global tour of financial institutions that use finance as a force for good.

Bitcoin

Author: Dominic Frisby

Publisher: Unbound Publishing

Published: 2014-11-01

Total Pages: 266

ISBN-13: 1783520760

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Following the economic crisis of 2008, the website ‘bitcoin.org’ was registered by a mysterious computer programmer called Satoshi Nakamoto. A new form of money was born: electronic cash. Does Bitcoin have the potential to change how the world transacts financially? Or is it just a passing fad, even a major scam? In Bitcoin: The Future of Money?, MoneyWeek’s Dominic Frisby's explains this controversial new currency and how it came about, interviewing some of the key players in its development while casting light on its strange and murky origins, in particular the much-disputed identity of Nakamoto himself. Economic theory meets whodunnit mystery in this indispensable guide to one of the most divisive innovations of our time.

Bitcoin

Author: Jose Pagliery

Publisher: Triumph Books

Published: 2014-09-01

Total Pages: 257

ISBN-13: 1623689198

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Bitcoin first appeared in 2009, and it's already challenging everything we've come to accept about money, financial institutions, and even government. The digital currency can be nearly anonymous. And it can be traded internationally—without the fees, government regulation, and bank oversight of paper money. But Bitcoin is still risky. Its value fluctuates wildly. More than $400 billion of it disappeared overnight with the fall of a single trading exchange. How is that possible? And why is it so popular? CNNMoney reporter Jose Pagliery explains it all. He details the digital currency's mysterious origins. He explores the dark side of Bitcoin: a world of drugs and assassins for hire. And he examines the economic impact of this revolutionary concept through interviews with pensive economists, wary bank regulators, and free market proponents such as Ron Paul. Bitcoin: And the Future of Money explains how it works and why it matters. The book is essential reading for anyone looking to understand a financial innovation that will forever change how we think about money.

Moving Money

Author: Robert E. Litan

Publisher: Rowman & Littlefield

Published: 2009-12-01

Total Pages: 158

ISBN-13: 0815703783

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Once we paid for things with bills, coins, or checks. Today we pay with zeroes and ones—digital entries on credit and debit cards, or electronic messages sent over the Internet. In Moving Money, distinguished analysts explore this trend, its development and likely future, and the ramifications of this transformation. This is a book about money as a medium of exchange—in the past, in the present, but particularly in the future. What forms has money taken over the years? Moreover, how have those means of payment changed in recent years, and how will they develop in the future? And what (if anything) should policymakers do to facilitate those changes, or at least allow them to develop and mature? Brookings economists Robert E. Litan and Martin Neil Baily and a distinguished group of experts dissect these issues and peer into the future of consumer payments. The landscape of the consumer payments industry will be shaped at least in part by public policies. Historically, governments have had monopolies on the manufacture of money. Any form of payment clearly requires trust on the part of both the seller and the buyer, and the government must establish and enforce laws to secure this relationship. More controversial is the issue of whether, and to what extent, government is also needed to protect the market in private sector payments systems. Why do these issues matter? The payments industry is a large and important sector of developed economies. In the United States, private-sector payments providers generate approximately $280 billion a year in revenue, while the government invests substantial resources into making money (minting coins and printing bills) or moving it (via checks and various electronic transfers). And the way we pay for things influences our purchases—what we spend money on, how much we spend, and where we spend it. Thus the future of consumer payments is intertwined with the health of national economies. Contri

The Future of Money

Author: Mary Mellor

Publisher: Pluto Press

Published: 2010-05-15

Total Pages: 0

ISBN-13: 9780745329949

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As the recent financial crisis has revealed, the state is central to the stability of the money system, while the chaotic privately-owned banks reap the benefits without shouldering the risks. This book argues that money is a public resource that has been hijacked by capitalism. Mary Mellor explores the history of money and modern banking, showing how finance capital has captured bank-created money to enhance speculative leveraged profits as well as destroying collective approaches to economic life. Meanwhile, most individuals, and the public economy, have been mired in debt. To correct this obvious injustice, Mellor proposes a public and democratic future for money. Ways are put forward for structuring the money and banking system to provision societies on an equitable, ecologically sustainable sufficiency basis. This fascinating study of money should be read by all economics students looking for an original analysis of the economy during the current crisis.

Your Money, Your Future

Author: Frances Cook

Publisher: Penguin Random House New Zealand Limited

Published: 2022-01-18

Total Pages: 277

ISBN-13: 014377509X

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“The biggest goals can be achieved when you’ve got a road map in hand. Quitting your job and living a good life, on your own terms, for decades to come? You can do it!” In this book, top New Zealand finance podcaster and journalist Frances Cook shows you how to change your money so that you can live your ideal life. Learn how, on an ordinary income, you can plan for and achieve true financial freedom, with expert advice and step-by-step information on: The basics of FIRE (Financial Independence, Retire Early): A Kiwi guide Your magic number: Learn how much money you need to design the life you want Finance 101: Change how you handle your money to gain control of debt and simplify your life Get paid: Techniques that work to boost your earning power in any industry You earn it, you keep it: How to save more and invest that extra income Hustle smarter, not harder: Side-hustles that work (and what to watch out for) Property investing: Making the right decision for you Give yourself options: Take time off, work part-time, or work a more meaningful job Retire early, retire often: Your tailor-made plan to take time out, retire early, or work as much as you like ...and loads more.

The Future of Money

Author: OECD

Publisher: OECD Publishing

Published: 2002-05-17

Total Pages: 171

ISBN-13: 9264195920

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Throughout the ages physical money in the form of objects, coins and notes has increasingly been replaced by more abstract means of payment such as bills of exchange, cheques and credit cards. This book shows that in the years to come that trend to virtual money will continue apace.

The Future of Money

Author: Benjamin J. Cohen

Publisher: Princeton University Press

Published: 2004

Total Pages: 330

ISBN-13: 9780691116655

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This book is a thoughtful, amply documented reflection on the future of currency. The dollar, euro and yen dominate the global monetary order, with the dollar now unrivaled at the top and unlikely to be threatened in the future. The countries that issue lesser currencies face a trade-off between monetary sovereignty and international acceptability (with all its economic advantages). Some economists say these lesser currencies should simply dollarize, that is, sacrifice their monetary sovereignty on the altar of international economic efficiency by adopting a stronger currency as their own. Author Benjamin J. Cohen argues that these countries are likely to reject dollarization because the emotional and political advantages of issuing one's own currency are simply too strong. He suggests various alternate mechanisms that allow countries to maintain some monetary independence and authority while gaining the advantages of a fully liquid, widely used currency. Non-specialists may find his extensive discussions a bit dry or sometimes tedious, but getAbstract.com applauds the author's ability to explore monetary economics in admirably lucid detail.