This free book tells the story of how Sweden is becoming a virtually cashless society. Its goal is to improve readers' understanding of what is driving this transition, and of the factors that are fostering and hampering it. In doing so, the book covers the role of central banks, political factors, needs for innovation, and the stakeholders in...
The increasing capacity of digital networks and computing power, together with the resulting connectivity and availability of "big data", are impacting financial systems worldwide with rapidly advancing deep-learning algorithms and distributed ledger technologies. They transform the structure and performance of financial markets, the serv...
The Lightning Network (LN) is a rapidly growing second-layer payment protocol that works on top of Bitcoin to provide near-instantaneous transactions between two parties. With this practical guide, authors Andreas M. Antonopoulos, Olaoluwa Osuntokun, and Rene Pickhardt explain how this advancement will enable the next level of scale for Bitcoin, in...
Principles of Finance is targeted at the core finance course for undergraduate business majors. The book is designed for conceptual accessibility to students who are relatively early in their business curriculum, yet it is also suitable for more advanced students. Due to the wide range of audiences and course approaches, the book is designed to be ...
This open access Pivot demonstrates how a variety of technologies act as innovation catalysts within the banking and financial services sector. Traditional banks and financial services are under increasing competition from global IT companies such as Google, Apple, Amazon and PayPal whilst facing pressure from investors to reduce costs, increase ag...
Business Mathematics was written to meet the needs of a twenty-first century student. It takes a systematic approach to helping students learn how to think and centers on a structured process termed the PUPP Model (Plan, Understand, Perform, and Present). This process is found throughout the text and in every guided example to help students develop...
Ethereum represents the gateway to a worldwide, decentralized computing paradigm. This platform enables you to run decentralized applications (DApps) and smart contracts that have no central points of failure or control, integrate with a payment network, and operate on an open blockchain. With this practical guide, Andreas M. Antonopoulos and Gavin...
How do social networking services earn money?What is the "second hand of the market" and how does it operate? Why does society need so many different kinds of goods? What does happiness economics not reveal about happiness?What is the link between talent, success and "stardom"? What is the business development model for the ent...
The main objective of this book is to develop a strategy and policy measures to enhance the formalization of the shadow economy in order to improve the competitiveness of the economy and contribute to economic growth; it explores these issues with special reference to Serbia. The size and development of the shadow economy in Serbia and other Centra...
This book addresses the issue of diffusing sustainable energy access inlow- and middle-income contexts.
Access to energy is one of the greatest challenges for many people living in low-income and developing contexts, as around 1.4 billion people lack access to electricity.Distributed Renewable Energy systems (DRE) are considered a promising approa...
This book presents the concept of value as the central component to success and longevity of the global ICT industry player, Huawei. It provides examples of how Huawei focuses on customers to pursue sustainable and profitable growth rather than focusing on capital market valuation, which is a familiar scenario among Western companies. It is the bus...
This free book discusses firm valuation, which is of interest to economists, particularly those working in finance. Firm valuation comes down to the calculation of the discounted cash flow, often only referred to by its abbreviation, DCF. There are, however, different coexistent versions, which seem to compete against each other, such as entity app...
Introduction to Financial Accounting is intended for a first course in introductory financial accounting. It has been extensively edited by Athabasca University and reflects current International Financial Reporting Standards (IFRS). A corporate approach is utilized versus beginning with a sole proprietorship emphasis and then converting to a corpo...
Introduction to Financial Accounting: U.S. GAAP, was intended for a first course in introductory financial accounting. It focuses on core introductory financial accounting topics that match pre-requisite requirements for students advancing to intermediate financial accounting. A corporate approach is utilized versus beginning with a sole proprietor...
Principles of Macroeconomics is an adaptation of the textbook, Macroeconomics: Theory, Markets, and Policy by D. Curtis and I. Irvine, and presents a complete and concise examination of introductory macroeconomics theory and policy suitable for a first introductory course.
Examples are domestic and international in their subject matter and are o...
Macroeconomics: Theory, Markets, and Policy by D. Curtis and I. Irvine provides complete, concise coverage of introductory macroeconomics theory and policy.
The textbook observes short-run macroeconomic performance, analysis, and policy motivated by the recessions of the early 1980s and 1990s, the financial crisis and recession of 2008-2009, and...
This book is intended for an undergraduate or MBA level Financial Accounting course. It covers the standard topics in a standard sequence, utilizing the Socratic method of asking and answering questions....
Intermediate Financial Accounting Volume 2 developed in collaboration by Athabasca University and Lyryx, is intended for the second of two in Intermediate Financial Accounting courses. It presumes that students have already completed the Introductory Financial Accounting, and the first Intermediate Financing Accounting course. The textbook reflects...
The Doing Business 2020 study shows that developing economies are catching up with developed economies in ease of doing business.
Still, the gap remains wide. An entrepreneur in a low-income economy typically spends around 50 percent of the country's per-capita income to launch a company, compared with just 4.2 percent for an entrepreneur i...
This book has been specifically created to make it easier for professors to offer a law school course on global corruption. It is issued under a creative commons license and can be used for free in whole or in part for non-commercial purposes. The first chapter sets out the general context of global corruption: its nature and extent, and some views...
The Ruby on Rails Notes for Professionals book is compiled from Stack Overflow Documentation, the content is written by the beautiful people at Stack Overflow....
This open access book provides an extensive review of ethical and regulatory issues related to human infection challenge studies, with a particular focus on the expansion of this type of research into endemic settings and/or low- and middle-income countries (LMICs). Human challenge studies (HCS) involve the intentional infection of research partici...
Ruby on Rails (RoR), or Rails, is an open-source popular web application framework. Rails uses Ruby, HTML, CSS, and JavaScript to create a web application that runs on a web server. Rails uses the model-view-controller (MVC) pattern and provides a fullstack of libraries from the database all the way to the view.
It is an unofficial and free Ruby...
Tracing the shift from liberal to neoliberal education from the nineteenth century to the present day, this open access book provides a rich and previously underdeveloped narrative of value in higher education in England. Value and the Humanities draws upon historical, financial, and critical debates concerning educational and cultural policy. Rath...
This book walks through all the most important and useful Excel functionalities that will advance your career in financial services. From logical functions such as IFERROR to calculating the yield of a bond, CFI's Excel book provides you with numerous examples and key shortcuts! We hope you find this book useful in reaching your future goals....
This open book is a dynamic guide incorporating the essential skills needed to build a foundation in Financial Analysis. Students and readers will learn how to insightfully read a Financial Statement, utilize key financial ratios in order to derive forward-looking investment-related inferences from the accounting data, engage in elementary forecast...
This book is for those whose financial management focus is on small businesses. For you, we adapt the traditional financial management themes emphasized in corporate financial management courses to meet the needs of small businesses.
Many financial managers of small businesses come from farms or agribusinesses. Others are interested in working f...
Many forces affect software today: larger datasets, geographical disparities, complex company structures, and the growing need to be fast and nimble in the face of change. Proven approaches such as service-oriented and event-driven architectures are joined by newer techniques such as microservices, reactive architectures, DevOps, and stream process...
Contemporary Mathematics is designed to meet the scope and sequence requirements for a liberal arts mathematics course. This resource provides stand-alone sections with a focus on showing relevance in the features as well as the examples, exercises, and exposition. Contemporary Mathematics integrates technology applications, projects, and highlight...