Consumers continue to rely heavily on their phones to complete such tasks as transferring funds between banks or accounts, depositing or withdrawing funds, paying bills, and purchasing items. Mobile money users are oftentimes more financially resilient and can protect themselves better against economic and other shocks. Moreover, mobile money can increase the velocity of money in circulation because it reduces the transactions and time costs of making retail payments. As such, understanding the impact of mobile payments is imperative for businesses and the economy. Impact of Mobile Payment Applications and Transfers on Business is a pivotal reference source that provides vital research on mobile money transfer and its impact in social, corporate, and micro- and macro-policies concerning the aggregate economy and individual households as a whole within an economy. It covers the impact, innovations, business-to-business transformations, regulatory framework, challenges, and ethical issues surrounding mobile money transfers around the world. This book is ideally designed for economists, financial analysts, business managers, leaders, scholars, practitioners, researchers, and students in fields that include management, finance, economics, commerce, and leadership.

'Essential for any leader in any industry' - Kim Scott, bestselling author of Radical Candor Working Backwards gives an insider's account of Amazon's approach to culture, leadership and best practices from two long-time, top-level Amazon executives. Colin Bryar and Bill Carr joined Amazon in the late 90s. Their time at the company covered a period of unmatched innovation that brought products and services - including Kindle, Amazon Prime, Amazon Echo and Alexa, and Amazon Web Services - to life. Through the story of these innovations they reveal the principles and practices that drive Amazon's success. Through their wealth of experience they offer unprecedented access to the 'Amazon way' as it was refined, articulated and proven to be repeatable, scalable and adaptable. Working Backwards shows how success is not achieved by the genius of any single leader, but rather through commitment to and execution of a set of well-defined, rigorously executed principles and practices that you can apply at your own company, no matter the size. 'Working Backwards should be read by anyone interested in the real thing - the principles, processes and practices of twenty-first-century management and leadership' - Forbes 'Gives us the story as it developed at the time - and that is probably worth the cover price of the book in itself' - Financial Times

When a pseudonymous programmer introduced "a new electronic cash system that's fully peer-to-peer, with no trusted third party" to a small online mailing list in 2008, very few paid attention. Ten years later, and against all odds, this upstart autonomous decentralized software offers an unstoppable and globally-accessible hard money alternative to modern central banks.

The Bitcoin Standard analyzes the historical context to the rise of Bitcoin, the economic properties that have allowed it to grow quickly, and its likely economic, political, and social implications. While Bitcoin is a new invention of the digital age, the problem it purports to solve is as old as human society itself: transferring value across time and space. Ammous takes the reader on an engaging journey through the history of technologies performing the functions of money, from primitive systems of trading limestones and seashells, to metals, coins, the gold standard, and modern government debt. Exploring what gave these technologies their monetary role, and how most lost it, provides the reader with a good idea of what makes for sound money, and sets the stage for an economic discussion of its consequences for individual and societal future-orientation, capital accumulation, trade, peace, culture, and art.

Compellingly, Ammous shows that it is no coincidence that the loftiest achievements of humanity have come in societies enjoying the benefits of sound monetary regimes, nor is it coincidental that monetary collapse has usually accompanied civilizational collapse. With this background in place, the book moves on to explain the operation of Bitcoin in a functional and intuitive way.

Bitcoin is a decentralized, distributed piece of software that converts electricity and processing power into indisputably accurate records, thus allowing its users to utilize the Internet to perform the traditional functions of money without having to rely on, or trust, any authorities or infrastructure in the physical world. Bitcoin is thus best understood as the first successfully implemented form of digital cash and digital hard money. With an automated and perfectly predictable monetary policy, and the ability to perform final settlement of large sums across the world in a matter of minutes, Bitcoin's real competitive edge might just be as a store of value and network for final settlement of large payments--a digital form of gold with a built-in settlement infrastructure. Ammous' firm grasp of the technological possibilities as well as the historical realities of monetary evolution provides for a fascinating exploration of the ramifications of voluntary free market money. As it challenges the most sacred of government monopolies, Bitcoin shifts the pendulum of sovereignty away from governments in favor of individuals, offering us the tantalizing possibility of a world where money is fully extricated from politics and unrestrained by borders.

The final chapter of the book explores some of the most common questions surrounding Bitcoin:

• Is Bitcoin mining a waste of energy?
• Is Bitcoin for criminals?
• Who controls Bitcoin, and can they change it if they please?
• How can Bitcoin be killed?
• And what to make of all the thousands of Bitcoin knock-offs, and the many supposed applications of Bitcoin's 'blockchain technology'?

Digital Marketing: Communicating, Selling and Connecting is an invaluable and vital tool for students seeking a comprehensive introduction to the subject of digital marketing. Written by a leading expert in the field, it is an unparalleled resource for students in marketing, as well as an accessible supplementary text for business and management students. Covering digital marketing's background and development, its practical challenges and unique benefits, and its operational foundations, this textbook introduces both technological and marketing concepts. It culminates with discussion of the future of digital marketing in an increasingly networked world. Key Features: In-depth introductions to the foundations and basic operating principles of digital marketing Multiple chapters covering consumer decision making online, and how digital marketing affects the consumer Chapters on service technology and visual design, for a deeper understanding of digital marketing Coverage of digital marketing in both B2B and B2C contexts Discussion of legal and ethical aspects of digital marketing Discussion questions in each chapter to promote engagement with the material and deepen student understanding. Charles Hofacker has drawn on extensive expertise to create an invaluable resource. Written for undergraduate students of marketing and digital marketing this textbook will be useful for anyone looking for an introduction to the subject.