The Pay Off av Gottfried Leibbrandt, Natasha De Teran

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"Admirably lucid" - Gillian Tett, FT "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, author of The Almighty DollarHow 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 hopi