Digital for Good , livre ebook

Marshall Cavendish International - Chris Skinner

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259 pages

English

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The premise of Digital for Good is how can we use technology and finance to improve society and the planet? Digital for Good looks at everything from how banking plays a role in the climate emergency through to the FinTech world using technology to overcome issues of inequality and inclusion. The themes of the book include questioning the purpose of banking, and whether it is socially useful; how purpose can impact a bank's role in the climate emergency; the way in which we can use finance to do good for society and the planet; the latest developments in cryptocurrencies; and more. Unlike Chris Skinner's previous books, this is not an opinion piece but a collaborative effort that includes interviews and chapters from leading authorities including experts from across the world. Examples of those contributing to the book include Adrian Gore, Group Chief Executive, Discovery Bank (South Africa); Tom Blomfield, founder and former CEO, Monzo Bank (UK); Gail Bradbook, co-founder of Extinction Rebellion (UK); Brock Pierce, Chair of the Bitcoin Foundation (USA); Jonathan Quin, Head of Europe Strategy for Ant Group (China); Gottfried Liebrundtt, former Chief Executive Office of SWIFT (Belgium); and many others from all over the world. The aim of this book is to present an in-the-round, global view of the state of our financial and technological space today, and how these developments are both impacting and improving our world. The bottom-line is: if your business doesn't stand for something, it will fall down.

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Banking

Economie gestion

Bank

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Publié par	Marshall Cavendish International
Date de parution	04 avril 2022
Nombre de lectures	0
EAN13	9789815009606
Langue	English
Poids de l'ouvrage	1 Mo

Informations légales : prix de location à la page 0,0800€. Cette information est donnée uniquement à titre indicatif conformément à la législation en vigueur.

Extrait

This is an astonishing compendium of thinking by first-rate people who understand technology and business, but who are not naively blind to their failings and limitations.
Rory Sutherland, Vice Chairman of Ogilvy
This book does what our world in crisis needs most right now. It challenges those in the finance system to notice that banking is changing, must change and that those in the sector have agency to make the change. Thank goodness for Chris Skinner for supercharging this vital conversation.
Dr Gail Bradbrook, Co-Founder of Extinction Rebellion
A truly global collection of voices on the space where FinTech meets Sustainability. Two megatrends collide on these pages offering ideas for now and the future. This book helps demonstrate how finance plays a critical role in a sustainable future. Read, digest and, most importantly, take action.
Sherry Madera, Chair of the Future of Sustainable Data Alliance
Digital for Good is a must-read primer for anyone considering sustainable-driven finance. Read this book and learn from the best."
Marcelo Gasparino da Silva, Member of the Board of Directors of a number of firms including Petrobras and Cemig, Member of the Board of Directors and Coordinator of the Sustainability Committee at Vale, and Chairman of the Board of Directors at Eternit
The world faces many issues from the climate emergency to inequality to social instability to civil unrest. It is also clear that we are moving to a new world where technology and finance focuses on how to solve the big issues of our world. What does that new world look like? This book tells you and is a critical part of anyone s bookshelf if they re interested in where we go next.
Michael Jordaan, Founder of Montegray Capital
This book is an insightful collection of thought leaders all bringing their extensive experience and evidence from across the world to challenge us all to step up our leadership efforts to ensure the finance sector can contribute positively to society. We all have a role in ensuring we have a sustainable business, planet and inclusive society. This book lifts our thinking to a systemic level helping us understand the challenges of the post COVID-19 environment, which emphasised the climate and inequality crisis and drives home the importance and connections between organisational and personal purpose, strategy and risk management. I would highly recommend this book.
Jacki Johnson, founding Co Chair of the Australian Sustainable Finance
Initiative (ASFI), previously Co-Chair of the United Nations Financial
Initiative (UNEPFI), former Group Executive of Insurance Australia
Group and Non-Executive Director of Community First Credit Union
Every business needs to reinvent itself to be both digital and sustainable. These are not bolt-on concepts, but part of a reimagination of the core of a business. Chris s book is a must-read for all leaders wanting to build a business that s relevant to customers and employees of today and the future.
Simon Mulcahy, President of Sustainability at TIME
Chris is the first player in the FinTech world, and you would pick him for your team every time.
Sven-G ran Eriksson, former manager of the England football team
I ve got a feeling they are going to be writing books about Chris or even movies, once you start changing everything.
Alice Cooper, rock star
Chris Skinner brings magic to finance and technology .
Penn Jillette of Penn Teller

Text 2022 Individual authors as credited 2022 Marshall Cavendish International (Asia) Pte Ltd
Published in 2022 by Marshall Cavendish Business An imprint of Marshall Cavendish International

All rights reserved
No part of this publication may be reproduced, stored in a retrieval system or transmitted, in any form or by any means, electronic, mechanical, photocopying, recording or otherwise, without the prior permission of the copyright owner. Requests for permission should be addressed to the Publisher, Marshall Cavendish International (Asia) Private Limited, 1 New Industrial Road, Singapore 536196. Tel: (65) 6213 9300. E-mail: genref@sg.marshallcavendish.com Website: www.marshallcavendish.com
The publisher makes no representation or warranties with respect to the contents of this book, and specifically disclaims any implied warranties or merchantability or fitness for any particular purpose, and shall in no event be liable for any loss of profit or any other commercial damage, including but not limited to special, incidental, consequential, or other damages.
Other Marshall Cavendish Offices: Marshall Cavendish Corporation, 800 Westchester Ave, Suite N-641, Rye Brook, NY 10573, USA Marshall Cavendish International (Thailand) Co Ltd, 253 Asoke, 16th Floor, Sukhumvit 21 Road, Klongtoey Nua, Wattana, Bangkok 10110, Thailand Marshall Cavendish (Malaysia) Sdn Bhd, Times Subang, Lot 46, Subang Hi-Tech Industrial Park, Batu Tiga, 40000 Shah Alam, Selangor Darul Ehsan, Malaysia
Marshall Cavendish is a registered trademark of Times Publishing Limited
e-ISBN: 978 981 5009 606
Printed in Singapore
This book is dedicated to the children of the world, especially to my dear Eddie and Freddie .
Contents
Introduction: How Do You Price an Extinction?
Why Digital for Good? by Chris Skinner
Setting the Scene: What Is the Problem with Banking Today? by Anthony Thomson, founder of Metro Bank and Atom Bank and co-founder of 86 400 (UK and Australia), and Chris Skinner
Today s Bank Will Be Replaced by Algorithms by Guga Stocco, founder of Banco Original (Brazil)
Retail Investors Will Change the World by Charles Savage, CEO of EasyEquities (South Africa)
An Interview with Brock Pierce, chair of the Bitcoin Foundation (USA)
Omnichannel or Omniaccess? by Chris Skinner
How Digital Innovations Can Benefit Our World amid COVID-19 and Climate Change by Douglas Feagin, senior vice president, Ant Group (China)
It s the Education, Stupid! (Not Bancarisation) by Oriol Ros, chief marketing officer, Latinia (Spain)
Digitising Payments for Good by Gottfried Leibbrandt, former CEO of SWIFT (Belgium), and Natasha de Ter n, former head of Corporate Affairs at SWIFT (Wales)
What Can Banks and Technologists Do about ESG? by Antonio Emilio Freire, member of the Supervisory Board of Eletrobras (Brazil), and Fabio Alperowitch, director, FAMA Investimentos (Brazil)
How Sustainable Investing Became a Thing by Wayne Wachell, executive chairman and chief investment officer, Genus (Canada)
The Future of Green FinTech Is Asia by Zennon Kapron, CEO, Kapronasia (Singapore)
An Interview with Gail Bradbrook, co-founder of Extinction Rebellion (UK)
Towards Community and Purpose by Theodora Lau, founder of Unconventional Ventures (USA)
Banking Product Design for Sustainability-focused Generations by Margarida Mendes da Maia, digital product manager at Banco CTT and co-founder of Portugal Fintech (Portugal)
Let s Make Green Finance Less Special by Professor Michael Mainelli, executive chairman, Z/Yen Group (UK)
What Does Purpose-driven Really Mean? by Chris Skinner and Anthony Thomson (UK)
Better Banking by Tony Fish, chief digital officer of Digital20 (UK)
Why Purpose Matters by Viola A. Llewellyn, co-founder and president of Ovamba Solutions Inc (USA)
An Interview with Tom Blomfield, co-founder of Monzo (UK)
The Comeback of Loyal Bank Customers by Craig Bond, chairman at Envel Corporation (UK)
Banking on Bob Dylan (or the Why behind Purpose-driven Finance) by Greg Baxter, chief digital and transformation officer, HP (USA)
An interview with Adrian Gore, founder and CEO of Discovery Group (South Africa)
Growing a Better World Together by Roland van der Vorst, head of Innovation, Rabobank (Netherlands)
Views from Down Under: An Australian Purpose-led Bank by Corin Millais, head of Socially Responsible Banking, Teachers Mutual Bank Ltd (Australia)
An Interview with Marc Lauwers, CEO of Argenta (Belgium)
How Purpose-driven Finance Can Flourish in the Digital Era by Jesse Griffiths, CEO of The Finance Innovation Lab (UK)
Communication Will Help Save Our People and Planet by Gihan A.M. Hyde, founder and CEO of CommUnique (UK)
How to Make the Cultural Difference by Chris Skinner
Looking to the Future: The View from 2030 by Chris Skinner
My Life, My Bank in 2040 by Rik Coeckelbergs, founder and managing director of The Banking Scene (Belgium)
An Interview with Derek Baraldi, head of the Banking Industry at the World Economic Forum
Conclusion, Key Takeaways and the Point
About the Author
INTRODUCTION: HOW DO YOU PRICE AN EXTINCTION?
According to every research report I read, our planet is dying. Even if our planet is not dying, our wildlife is. In the past half a century, almost 60 per cent of the animals on Earth have disappeared. I am not going to stand for it, and nor should you.
At the same time, that opening paragraph creates a big yawn. I ve heard it all before. It s boring. You can talk about ESG-environmental, social and governance-issues, but I m no longer interested. It s like the constant thrum of news headlines about pandemics and wars. After a while, you become immune to the news. It s boring.
Between these two extremes-we must do something; I can t and it s boring-there s a happy medium somewhere. But where? This book might show you. The actuality is that you can do something. Just don t say that you can t do anything.
If you don t stand for something, you will fall .
During my last years of dealing with banks from crisis to crisis and, specifically, the 2008 crisis, I realised that the broker between the end of the world as we know it and a positive outlook lies in financial services.
Financial services fund the frackers but can finish fossil fuel firms once and for all by stopping such funding. Without access to funding, companies that depend on things that are bad for society or bad for the planet will fail. Banks and financial firms are, therefore, the puppeteers of our