Banking 2050: Reimagining Finance in a Decentralized Digital World

<p>Every time you tap your phone to pay for a coffee take a loan to buy a house or transfer funds across borders you are engaging with a financial system shaped by centuries of evolution conquest crisis and innovation. Yet most of us never see its inner workings.</p><p>Banks are more than money warehouses&mdash;they are the beating heart of modern civilization. From the ancient grain banks of Babylon to high-speed algorithmic trading in New York and Shanghai banking has not just adapted to the times&mdash;it has shaped them.</p><p>In an era where AI predicts our spending habits central banks issue digital currencies and fintech startups challenge age-old institutions understanding how global banking systems function is no longer optional. It&rsquo;s essential.</p><p>This book aims to take you on a comprehensive yet accessible journey through the world&rsquo;s banking ecosystems. You&rsquo;ll discover how different countries structure their banks why crises erupt with little warning and how money quietly wields power behind political decisions and public policy.</p><p>We will explore banking models from America&rsquo;s Wall Street to Kenya&rsquo;s mobile money revolution. We&rsquo;ll dive into digital transformation ethical banking and the threats that loom over global finance&mdash;cyberattacks pandemics and artificial intelligence.</p>