Future Money: Fintech, AI and Web3

Cover
Contents
Acknowledgements
1 Money grows on trees
	‘Use this paper as money or I will kill you!’: The history of money
	Looking to the future
	The future of money across the world
	Endnotes
2 A global dollar world via London
	The growth of a trillion dollars a day market
	London calling – still the centre of the FX world
	US dollar and the lingua franca of international finance
	The importance of networks and GNP vs GDP
	Unit of account, store of value, means of payment
	The death of the dollar, much foretold
	From dollars to digital bucks
	Endnotes
3 Reimagining banks – Cool Britannia
	The birth of Starling
	Other people’s money
	From carrots to unicorns
	Near-death experiences, Starling and Monzo
	Computer says no
	Oaknorth: Zero to one
	Unfinished business
	The future of challenger banks
	Endnotes
4 Moscow, Istanbul and Hong Kong
	The king of love
	Tinkoff take-off
	Tinkoff becomes a super-app… sort of
	David and Tom visit Tinkoff
	Yandex, a war and Oleg’s exit
	Back to Hong Kong
	Straight out of Turkey
	Building a digital bank in HK and beyond
	Endnotes
5 Fintech in India – showtime
	The fintech entrepreneur as a rockstar
	The 2010s India fintech boom – the role of the state as catalyst
	JAM trinity – bank accounts and mobile access
	Back to India’s fintech revolution: A Chennai perspective
	2020s: Indian fintechs innovate and internationalize
	Prabhtej and Priyanka: From beer to B2B fintech
	Endnotes
6 Karachi calling: where did the credit go?
	The rise of ‘mobile money’ – how the phone changed finance
	Sergio and Silvia had dinner – and a Brazilian fintech was born
	Hey, I think there’s something to be done in Pakistan
	ABHI and earned wage access (EWA)
	Building Abhi – the day-to-day work was not glamorous
	Beyond Pakistan – Bangladesh calling
	Getting women banked
	Halima’s story
	Beyond pink – driving growth
	Endnotes
7 Africa – the final fintech frontier
	Building for Africa
	Boom, bust and…?
	Scarcity vs abundance
	Building affinity
	Endnotes
8 Smart money: AI meets finance
	A long way from Kyrgyzstan
	Clean eggs and dirty eggs
	Learn Mandarin or coding?
	Industrializing general-purpose technologies
	Move slow and don’t break things
	Sinking in data, swimming with the stars
	Endnotes
9 Virtual money – the metaverse reality
	What is the Metaverse?
	What will we do in the Metaverse?
	Early days of building the Metaverse infrastructure
	Future of money in the Metaverse
	Decentralization and Web3
	Reality+
	What the XR!
	Endnotes
10 Read, write, jail… and infra
	Covid and crypto
	From China, with love, via Hong Kong
	Crypto and crime… and Pokémon Go
	Bearer bonds 2.0
	Building new rails
	Endnotes
Index