THE PAY OFF: HOW CHANGING THE WAY WE PAY CHANGES EVERYTHING

Book ID/图书代码： 04320321C00001

English Summary/英文概要： 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. The Europeans are heavily regulated, the Americans oddly backward, and the Chinese 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.

Chinese Summary/中文概要： 當我們付款時會發生什麼事? 實際上這是一個數十億美元的問題。這包含按下按鈕和資金出現在遙遠賬戶之間那幾秒鐘卻迷人而有趣的洞察以及那些收款方的表情！
經濟的運轉就是無數交易的總合，而完成交易的過程則取決於支付方式，從貿易買賣到稅收、股票買賣、儲蓄到工資養老金發放等都可透過當前玲朗滿目的收付款系統而完成，雖然科技也正幫忙不斷消除當中的障礙，各國政府也設立不同機制因應，現金的地位不斷地流失，加密貨幣正設法取代其地位，看似正朝著完善的方向前進，但我們真的了解當中的改變對我們的生活會產生何種實質的影響嗎?
此外書中也將闡述不同民族國家如何因歷史的變遷而對支付方式有著不同的看法及使用，也暗示地緣政治也多少影響及塑造未來的支付方式。

Awards/获奖情况：‘What happens when we make a payment is literally a multi-billion dollar question. This is a fascinating and entertaining insight into those seconds between clicking a button and money appearing in far-off accounts – and the changing face of those who profit.’ Dharshini David, BBC economics correspondent and author of The Almighty Dollar
‘The Pay Off sounds like a thriller and it reads like one. The authors succeed in demonstrating “networks are an inexhaustibly interesting subject” with wit and panache. The book was written with a twinkle in the eye and brought a twinkle to mine. Accessible and erudite, entertaining and enriching, The Pay Off delivers.’ Tim Frost, former director of the Bank of England and chair of Cairn Capital
"Payments are the most important things most people have probably never even thought about. Banks, tech companies, Central Banks, crypto firms and crooks all know that if you control payments, you may also control critical data and ultimately the world. The Pay Off cleverly dissects the workings and future of this geopolitical and technological war. A must read for anyone in business." - Bob Wigley, Chair, UK Finance, and author of Born Digital: The Story of a Distracted Generation
"a long overdue, highly readable and authoritative account of the uses and occasional abuses of the systems on which we all rely, and how they are still rapidly changing, that both specialists and the general reader will find informative and entertaining." – Mark Yallop, Chair, FICC Markets Standards Board, Former External Member, Prudential Regulatory Committee at the Bank of England, Former External Member, Financial Market Infrastructure Board at the Bank of England
"Whenever you buy or sell something, you use a payments system but, do you ever wonder how that system works? It’s like plumbing or electricity maybe, but it is actually far more complex as it is changing fast thanks to technology. You used to pay with cash, then with a click, now with a swipe or with a touch. What’s next? How does all of this work? The Pay Off provides a wonderful deep-dive into the subject [...]. In this book, you find so many useful insights about the past, present and future of payments that anyone who is vaguely interested in the politics, economics and world of finance should pick it up and read it. NOW!" --Chris Skinner, author, commentator and troublemaker
“An excellent and important book. Payments are transforming our society and our lives, and yet few people understand what’s driving the change, or what the consequences could be, for good or ill. Hugely engaging and accessible, “The Pay Off" demystifies this critical subject for the layperson and policy makers alike” - Natalie Ceeney CBE, Chair, Access to Cash review
“The world of payments is complex and confusing, but hugely important. The authors have produced a comprehensive, authoritative and even, at times, amusing, guide. I have read nothing better on a subject which increasingly preoccupies both commercial and central banks.” - Howard Davies, Chairman of the NatWest group, and former chairman of the FSA

About the Author/作者介绍： Gottfried Leibbrandt is the former CEO of SWIFT, the cross-border payments network. Prior to that, he was a partner with McKinsey & Company. He holds degrees from Vrije Universteit Amsterdam, Maastricht University, and Stanford Business School.
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, Financial Times, Risk and Money Week. She was the head of corporate affairs at SWIFT from 2012 to 2019.

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Rights Status/版权销售情况：Simplified Chinese/简体中文：SOLD

Complex/Traditional Chinese/繁体中文：SOLD

Sales in other countries/其他国家销售情况：Rights sold: Chinese, simplified characters (China Social Science and Technology Press), Chinese, traditional characters (Business Weekly Publications), Japanese (Toyo Keizai), Korean (Samho Media)

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