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The Pay Off: How Changing the Way We Pay Changes Everything - Paperback
$15.95
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by Natasha de Teran (Author), Gottfried Leibbrandt (Author)
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. Europeans are heavily regulated, Americans oddly backward, and the Chinese are 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.Author Biography
Natasha de Terán is a former journalist, specialising in financial regulation and market structures. She has written for publications such as the Wall Street Journal, Times, Financial Times, Risk, Week, and Money Week. She was the head of corporate affairs at SWIFT from 2012 to 2019.
A self-confessed payments nerd, Gottfried Leibbrandt is the former CEO of SWIFT, the global network for interbank transactions. Prior to joining SWIFT, Liebbrandt worked for McKinsey & Company. He holds degrees from Vrije Universteit Amsterdam, Maastricht University, and Stanford Business School.Pay with
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Standard U.S. returns are accepted for eligible new, unopened items within 30 days of carrier delivery. Returns are by mail. Customers are responsible for standard return shipping, there is no restocking fee, and standard exchanges are not offered. Once an approved return is received and inspected, the refund is issued to the original payment method within 5 business days. Damaged, defective, or incorrect items are handled at no return-shipping cost to the customer.
Return eligibility is subject to the full policy. Opened, read, or unsealed books with broken seals or visible wear are final sale. Digital downloads, gift cards, and personalized products are non-refundable. Original shipping charges are not refunded for standard returns. Contact us within 7 days of delivery about damaged, defective, or incorrect items.
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