21st Century Finance: Users of Capital

21st Century Finance: Users of Capital

(Part III of a series on the future of banking and finance) By now I hope to have convinced you in Part I and Part II of this series on 21st Century Finance, that things are never going to be the same. My thesis is that new technologies (discussed extensively in Part...
The Vollgeld Initiative: A Primer

The Vollgeld Initiative: A Primer

Over 100,000 Swiss citizens signed a petition to hold a constitutional referendum to end fractional reserve banking. Yes, really! That petition was certified on 24 December 2015 and a vote will be held sometime Sunday, 10 June 2018. Switzerland, that scion of banking,...
21st Century Finance: Providers of Capital

21st Century Finance: Providers of Capital

(Part II of a series on the future of banking and finance)   This column follows my overview comparing 21st Century Finance vs. 20th Century  Finance. Hopefully I convinced you that banking and finance are likely never to see the same profit margins as in...