{ "item_title" : "The Infrastructure of Money", "item_author" : [" Rajeew Vishvakarma "], "item_description" : "Money moves the economy. But the systems that move money are being rewritten.Digital payments are no longer simply a faster or more convenient way to pay. They are becoming part of the infrastructure of modern economic life-shaping how households receive income, how merchants sell, how businesses operate, how governments deliver support, and how financial institutions manage trust.In The Infrastructure of Money, Rajeew Vishvakarma examines the transformation of payments from cash and cards to real-time payment rails, QR codes, mobile money, embedded finance, digital identity, AI-enabled fraud controls, and increasingly connected cross-border systems.Drawing on payment models and experiences from India, Brazil, Kenya, Sweden, China, and the United States, the book explores why different economies have followed different paths-and why no single payment architecture works everywhere.It examines questions that transaction volumes alone cannot answer: What happens when money becomes data?Who benefits when payments become frictionless?Who bears the cost of fraud?How should privacy and payment data be governed?What makes digital payments genuinely inclusive?Why do international payments remain expensive and complex?And how can societies build payment infrastructure that remains resilient when technology fails?The book argues that successful payment systems should be judged not simply by speed or scale, but by the quality of the infrastructure they create: affordability, interoperability, merchant acceptance, consumer protection, privacy, resilience, inclusion, recourse, and trust.Written from a practitioner-researcher perspective, The Infrastructure of Money offers a globally grounded framework for understanding one of the most consequential transformations in modern finance.Ideal for readers interested in fintech, banking, payments, financial inclusion, digital transformation, regulation, public policy, technology strategy, and the future of money.", "item_img_path" : "https://covers2.booksamillion.com/covers/bam/9/79/816/173/9798161734117_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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