Every bank on Earth runs on a 500-year-old system. A powerful one — but built for a single set of books, in a world where money could wait until the next morning. The Future Bank rebuilds banking layer by layer: ledger and verification, identity and compliance, from the interface to money, and finally the core itself. Written by a banker who spent two decades inside the systems he argues should be rebuilt, and backed by a working prototype on a public test network, it is for supervisors, e...

This book presents methods for investigating whether relationships are linear or nonlinear and for adaptively fitting appropriate models when they are nonlinear. Data analysts will learn how to incorporate nonlinearity in one or more predictor variables into regression models for different types of outcome variables. Such nonlinear dependence is often not considered in applied research, yet nonlinear relationships are common and so need to be addressed. A standard linear analysis can produ...

The author of more than twenty books and a revered contributor to numerous national publications, Charles Bowden (1945–2014) used his keen storyteller’s eye to reveal both the dark underbelly and the glorious determination of humanity, particularly in the borderlands between the United States and Mexico. In America’s Most Alarming Writer, key figures in his life—including his editors, collaborators, and other writers—deliver a literary wake for the man who inspired them throughout...

This book provides readers with a comprehensive overview of cold plasma technology for tackling the various food-related hazards in a wide range of food sectors. The principles and characteristics of cold plasma generation in gas and its interaction with liquids, as well as its combating modes of action for common hazards (e.g., bacteria, spores, biofilms, fungi, and fungal toxins) are emphasized in this book. It also presents the applications of cold plasma or its hurdles with other techn...

This book is a practitioner's guide to digital business models for entrepreneurs, business executives, MBA and undergraduate students. Balancing both frameworks and real-life case studies, it provides readers with the tools for creating successful businesses in the digital age, while at the same time serving as a cautionary tale for those who value businesses by the technology they wield and not the strategies they execute.The business landscape in the last decade was surreal — exhilaratio...

State–society relations and governance are closely related areas of study and have become important topics in the social sciences in the past decades, not only in developed countries but also in the developing world. In China, state-society relations have been changing in the new era of reform and opening, and governance has become a central concern in policy practice and in academia. In this wide-ranging collection of essays, written by scholars from both inside and outside China, the con...

De-Whitening Intersectionality: Race, Intercultural Communication, and Politics re-evaluates how the logic of color-blindness as whiteness is at play in the current scope of intersectional research on race, intercultural communication, and politics. Calling for a re-centering of difference by exploring the emergence and inception of intersectionality concepts, the coeditors and contributors distinguish between the uses of intersectionality that seem inclusive versus those that actually ena...

Advances in wide bandgap semiconductor materials are enabling the development of a new generation of power semiconductor devices that far exceed the performance of silicon-based devices. These technologies offer potential breakthrough performance for a wide range of applications, including high-power and RF electronics, deep-UV optoelectronics, quantum information and extreme-environment applications.This reference text provides comprehensive coverage of the challenges and latest r...

Examining globally invasive alien birds, the first part of this book provides an account of 32 global avian invasive species (as listed by the Invasive Species Specialist Group, ISSG). It acts as a one stop reference volume; it assesses current invasive status for each bird species, including details of physical description, diet, introduction and invasion pathways, breeding behaviour, natural habitat. It also looks at the environmental impact of each species, as well as current and future...

Welcome to this step-by-step guide for Excel users, data analysts, and finance specialists. It is designed to take you through practical report and development scenarios, including both the approach and the technical challenges. This book will equip you with an understanding of the overall Power Platform use case for addressing common business challenges.While Power BI continues to be an excellent tool of choice in the BI space, Power Platform is the real game changer. Using an int...

Are you looking to get into bouldering/climbing? Would you like to learn how to climb like the pros do? If you answered yes to these questions then this book is for you. Learn how to get started as well as everything you need to know about the sport and how to climb like a pro. Using these climbing techniques and tips will help you get started & climb better than ever before! Introducing the secrets bouldering professionals use to scale the most difficult surfaces! With decades of tested s...

During the graduation party, Qing Huan had gotten drunk and had somehow managed to push down a man. Then, the god-like man looked at her coldly with a 100,000,000 yuan promissory note in his left hand and a small red book in his right hand, "Choose which one?" Qing Huan trembled in fear. "Choose … The red book. " The man smiled in satisfaction. Three months ago, Qing Huan had married the man with the highest status and the most money in Luo City. Everyone was envious of her. Three months l...