Brett King is an international bestselling author, a renowned commentator and globally respected speaker on the future of business. He has spoken in over 50 countries, to more than a million people, on how technology is disrupting business, changing behavior and influencing society. He advised the Obama White House, the FED and the National Economic Council on the future of banking in the United States, and advises governments and regulators around the world. He appears regularly on US TV networks like CNBC, where he contributes on Future Tech and FinTech. King hosts Breaking Banks, the world's leading dedicated radio show and podcast on technology impact in banking and financial services (150-plus countries, 6.5 million listeners). He is also the founder of the neo-bank Moven, a globally recognized mobile start-up, which has raised over US$42 million to date, with the world's first mobile, downloadable bank account. Named "King of the Disruptors" by Banking Exchange magazine, King was voted American Banker's "Innovator of the Year," "The world's #1 Financial Services Influencer" by The Financial Brand, and was nominated by Bank Innovation as one of the top 10 "coolest brands in banking." He was shortlisted for the 2015 Advance Global Australian of the Year Award for being one of the most influential Australians living offshore. Table of contents Preface 13
Whether you are interested in bitcoin, cryptocurrencies, peer-to-peer lending, mobile banking, or even more largely, just curious about the future of money and banking, we have compiled a list of the top 10 essential books about fintech you must have in your library. Maybe not all books are covering fully fintech, but they will give you the essential thinking you need for fintech and digital banking.
The book features stories of these disruptors, case studies and testaments on their visions of the future of money. Topics that are covered include Bitcoin, peer-to-peer lending, social media, as well as the new emerging banking business models.
It also discusses innovations from incumbent banks, challengers and non-banks, and gives a comprehensive overview on electronic payments, mobile payments and virtual banking, as well as the key strategies to success in this changing environment.
Synopsis: A wealthy New York City investment banking executive, Patrick Bateman, hides his alternate psychopathic ego from his co-workers and friends as he delves deeper into his violent, hedonistic fantasies.
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:
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.
To navigate the challenges posed by stretched resources, competing priorities, and reduced capacity or political will of governments to combat trafficking, governments and NGOs should consider systemically integrating anti-trafficking efforts into existing response plans and practices in humanitarian and crisis contexts. Governments and other anti-trafficking organizations are already taking action to weave anti-trafficking measures into crisis responses. For example, IOM has developed resources for its staff to incorporate anti-trafficking into its own work in humanitarian and other emergency settings. In addition, IOM developed free, publicly available tools, such as its online course, Countering Human Trafficking in Humanitarian Settings and its publication, Counter-Trafficking in Emergencies: Information Management Guide, to encourage humanitarians, government staff, anti-trafficking experts, and others to integrate anti-trafficking into their response work routinely. When responding to the impacts of the COVID-19 virus, it is important that those working on safety and security measures are equipped with the knowledge and resources to identify and refer cases of human trafficking. For example, training on trafficking indicators should be expanded to healthcare workers, such as those supporting COVID-19 testing and vaccination efforts as they might be the few people a victim could interact with in public.
Still, the specific and long-term needs of survivors of familial trafficking can be met in a variety of ways. For example, many children would benefit from having one-on-one support to develop an individualized program with the survivor and meet with them several times a week. Most importantly, age- and culturally appropriate comprehensive programs need to be developed with consideration of each unique survivor in mind. Positive connection, the freedom to experience developmentally appropriate activities, and even fun, sometimes for the first time, are healing elements that should be emphasized in these programs. Through programs with an increased focus on familial trafficking, survivors learn they are not alone in their journey and that someone is there to walk beside them through every step.
The UN TIP Protocol, which is widely ratified, mandates the criminalization of money laundering when proceeds are derived from human trafficking and encourages signatories to promote international cooperation between their respective national authorities addressing money laundering. The Financial Action Task Force (FATF) is the global standard-setting body for anti-money laundering (AML), countering the financing of terrorism, and countering proliferation financing. More than 200 countries have agreed to implement the FATF Recommendations, which require member countries to identify, assess, and understand money laundering and illicit finance risks and to mitigate those risks. The FATF Recommendations provide a useful framework for jurisdictions to address illicit finance related to human trafficking by strengthening their national AML laws and policies and by improving coordination and information sharing domestically and internationally. The FATF Recommendations also encourage jurisdictions to undertake proactive parallel financial investigations, including by collaborating with public and private financial institutions, as a standard practice when investigating and prosecuting human trafficking crimes, with a view to tracing, freezing, and confiscating proceeds acquired through this crime.
Survivors of human trafficking often discover that human traffickers have taken control of their financial identity or banking products and limited or prevented their access to the financial system, spoiling their credit record and hindering their financial reintegration. Financial institutions and civil society can play an important role in assisting survivors in the recovery process by providing them access to digital financial services, such as online microcredit, without requiring traditional identity documentation. Governments can also play a role by supporting the use of digital financial services and innovative tools to assist victims who have been harmed financially. Digital identity solutions and access to digital financial services can help victims securely obtain financial assistance from governments or NGOs, access victim support services, repair their credit, and receive restitution payments when appropriate and available.
Allowing migrant workers to have full freedom of movement and to switch employers without penalty would help prevent human trafficking. In addition, providing migrant workers with information on their rights and obligations, on complaint mechanisms in case of abuse, and on how to access assistance and remedies, would empower them to identify and leave exploitative situations. Efforts to reform the kafala system and develop non-exploitative policies would benefit from input and recommendations from survivors who experienced forced labor under this system.
While the TVPA and the UN TIP Protocol call on governments to proactively address trafficking crimes, some governments are part of the problem, directly compelling their citizens into sex trafficking or forced labor. From forced labor in local or national public work projects, military operations, economically important sectors, or as part of government-funded projects or missions abroad to sexual slavery on government compounds, officials use their power to exploit their nationals. To extract this work or service, governments coerce by threatening the withdrawal of public benefits, withholding salaries, failing to adhere to limits on national service, manipulating the lack of legal status of stateless individuals and other minority groups, threatening to punish family members, or conditioning services, food, or freedom of movement on labor or sex. 2b1af7f3a8