The Pay Off
- Downloads：7130
- Type：Epub+TxT+PDF+Mobi
- Create Date：2021-07-23 19:30:56
- Update Date：2025-09-06
- Status：finish
- Author：Gottfried Leibbrandt
- ISBN：B094F69F8Q
- Environment：PC/Android/iPhone/iPad/Kindle
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Summary
How 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。
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。
Reviews
Wej
，
Gottfried Leibbrandt and Natasha De Teran have achieved what I thought was impossible， they wrote an engaging， yet highly informative book on payments。 In their own words， payments are one of the most critical aspects of money which is not very well understood。 The customers usually notice it when something goes wrong， but the financial pipelines are a critical （inter）national infrastructure。The book consists of a series of brief chapters， each focusing on a different aspect of payments。 The aut Gottfried Leibbrandt and Natasha De Teran have achieved what I thought was impossible， they wrote an engaging， yet highly informative book on payments。 In their own words， payments are one of the most critical aspects of money which is not very well understood。 The customers usually notice it when something goes wrong， but the financial pipelines are a critical （inter）national infrastructure。The book consists of a series of brief chapters， each focusing on a different aspect of payments。 The authors take us through the history of payments， business models， innovations， regulations， geopolitics of payments and things to come （crypto and CBDC）。 It’s written in a journalistic style which makes it very readable but I would like to see more footnotes and references。 There were some cringeworthy weasel words （‘research’） which required references but overall it was a time well-spent。 Highly recommended。 。。。more
Daniel Gusev
，
A latest and probably most complete overview of what payments are and how they serve society， what elements support them and what cases arise from use or misuse of these elements。 Leibbrandt is no stranger to this world having been most recently CEO of SWIFT and he is assisted by a bunch of fellow practitioners， spicing the overarching story about the foundational blocks with good cases of mistakes， happenstance innovation， failures， fraud and politics that all shape the form of the payment mark A latest and probably most complete overview of what payments are and how they serve society， what elements support them and what cases arise from use or misuse of these elements。 Leibbrandt is no stranger to this world having been most recently CEO of SWIFT and he is assisted by a bunch of fellow practitioners， spicing the overarching story about the foundational blocks with good cases of mistakes， happenstance innovation， failures， fraud and politics that all shape the form of the payment market。 Some cases are known and told by Joe Nocera as he told originally about Visa story in “A Piece of the Action”， or Dave Birch in his own retelling of the market past “From Babylon to Bitcoin” or “Payments Systems in the US”。 Yet it’s is still refreshing to have。 。。。more
Reference
google book https://www.google.com/search?tbm=bks&q=The Pay Off
hathitrust digital library https://babel.hathitrust.org/cgi/ls?q1=The Pay Off&field1=ocr&a=srchls&ft=ft&lmt=ft
The British Library https://bll01.primo.exlibrisgroup.com/discovery/search?query=any,contains,The Pay Off&tab=LibraryCatalog&search_scope=Not_BL_Suppress&vid=44BL_INST:BLL01&lang=en&offset=0