Professors Edmunds and Lillo imagine a new global financial system characterized by decentralization, digital currency, privacy, and access. In this new global financial system lenders will connect directly with borrowers, investors directly with entrepreneurs. Large financial institutions will be disintermediated and the risks of systemic failure of the financial system will decline. These changes are afoot.

— Endorsement from J. Lynch, technology venture capitalist

At the heart of finance is a promise that institutions will protect your money. Trusting banking oligopolies or the state to remain responsible, given current events, is becoming increasingly naive. Edmunds shows us a realistic path powered by open, cloud-based platforms that can build more inclusive, resilient, and difficult-to-weaponise. Systems capable of serving and improving the lives of millions who would otherwise be overlooked.

— Endorsement from Madhu yerramilli subramanya, Director of Engineering | AI Architect, Data driven Engineering, SaaS Applications

This book combines John Edmunds’ deep knowledge of capital markets with a remarkably creative proposal: a cloud-based financial system that works for people who have been excluded from finance until now. The Financial Revolution explains, in clear and engaging language, how new digital money and platforms can coexist with traditional systems while opening access to credit, savings, and payment tools for millions in emerging and poor economies. It is both analytically rigorous and deeply optimistic about what finance can become when it is designed for the much needed inclusion in the financial markets.

— Endorsement from Jorge Tarzijan, Full Professor, School of Management, Universidad Catolica de Chile

Edmunds shows how millions of people can obtain access to financial services despite being overlooked or marginalized by their national oligopoly banks, and how they can keep their money safe and hidden using new techniques. They can lead full and happy lives despite living in poor regions of poor countries. This can undermine the control of authoritarian regimes.

— Endorsement from Peter Paul, Chairman Headlands Asset Manage LLC and West Bio Fuel LLC