Professors Edmunds and Lillo envision a new global financial system characterized by decentralization, digital currency, privacy, and accessibility. In this new global financial system, lenders will connect directly with borrowers, and investors directly with entrepreneurs. Large financial institutions will be bypassed, and the risks of systemic failure in the financial system will decrease. These changes are already underway.

— Endorsement from J. Lynch, technology venture capitalist

At the heart of finance lies a promise that institutions will protect your money. Given current events, it is becoming increasingly naive to trust banking oligopolies or the state to act responsibly. Edmunds shows us a realistic path driven by open, cloud-based platforms that can build more inclusive, resilient, and difficult-to-manipulate 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 serves people who have been excluded from the financial system 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 low-income economies. It is both analytically rigorous and deeply optimistic about what finance can become when it is designed to achieve the much-needed inclusion in financial markets.

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

Edmunds shows how millions of people can gain 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 impoverished regions of poor countries. This can undermine the control of authoritarian regimes.

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