{ "item_title" : "The DNA of Finance", "item_author" : [" Robyn Xu "], "item_description" : "Finance is everywhere. Every payment, loan, investment, or trade represents a complex network of decisions, trust, risk, and information. While finance can seem technical or intimidating, its essence is remarkably simple: it is about allocating resources efficiently across time and uncertainty. In this book, we begin with the foundations of finance, exploring what money is, why credit exists, and how markets function. We then examine institutions, risk, and the role of regulation, providing readers with the tools to understand both routine financial decisions and extraordinary events like crises or market disruptions. The final sections of the book look to the future. Advances in AI, fintech, blockchain, and sustainable finance are transforming the way money moves, how decisions are made, and how financial institutions operate. We also explore broader trends, from the shift toward regionalization and fragmentation to the rise of digital currencies and decentralized finance. Each chapter is structured to build both conceptual understanding and practical insight, with real-world examples, historical case studies, and forward-looking perspectives. By the end of the book, readers will be equipped to understand, analyze, and participate in the global financial system, while anticipating the opportunities and challenges of the decades ahead.", "item_img_path" : "https://covers1.booksamillion.com/covers/bam/9/79/827/765/9798277658192_b.jpg", "price_data" : { "retail_price" : "9.99", "online_price" : "9.99", "our_price" : "9.99", "club_price" : "9.99", "savings_pct" : "0", "savings_amt" : "0.00", "club_savings_pct" : "0", "club_savings_amt" : "0.00", "discount_pct" : "10", "store_price" : "" } }

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