EAN: 9781783966417

PAY OFF - GOTTFRIED LEIBBRANDT NATASHA DE TERAN...

"Admirably lucid" - Gillian Tett  FT?"What happens when we make a payment is literally a
multi-billion dollar question. This is a fascinating and entertaining insight into those
seconds between clicking a button and money appearing in far-off accounts - and the changing
face of those who profit." - Dharshini David  author of The Almighty DollarHow we pay is so
fundamental that it underpins everything - from trade to taxation  stocks and savings to
salaries  pensions and pocket money. Rich or poor  criminal  communist or capitalist  we all
rely on the same payments system  day in  day out. It sits between us and not just economic
meltdown  but a total breakdown in law and order. Why then do we know so little about how it
really works?As you read this  technology is dismantling payment barriers and governments are
erecting them  cash is on the way out  and crypto and BigTech are fighting their way in. The
Europeans are heavily regulated  the Americans oddly backward  and the Chinese hoping to lead
the way forward. Challenging our understanding about where financial power really lies  The Pay
Off shows us that the most important thing about money is the way we move it. Leibbrandt and De
Terán shine a light on the hidden workings of the humble payment - and reveal both how our
payment habits are determined by history as well as where we go from here. From national
customs to warring nation states  geopolitics will shape the future of payments every bit as
much as technology.

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