Forget short-term symptoms like Donald Trump and Brexit, it is innovation itself that explains them and that will itself shape the 21st century for good and ill. Yet innovation remains a mysterious process, poorly understood by policy makers and businessmen, hard to summon into existence to order, yet inevitable and inexorable when it does happen.Matt Ridley argues in this book that we need to change the way we think about innovation, to see it as an incremental, bottom-up, fortuitous process that happens to society as a direct result of the human habit of exchange, rather than an orderly, top-down process developing according to a plan. Innovation is crucially different from invention, because it is the turning of inventions into things of practical and affordable use to people. It speeds up in some sectors and slows down in others. It is always a collective, collaborative phenomenon, not a matter of lonely genius. It is gradual, serendipitous, recombinant, inexorable, contagious, experimental and unpredictable. It happens mainly in just a few parts of the world at any one time. It still cannot be modelled properly by economists, but it can easily be discouraged by politicians. Far from there being too much innovation, we may be on the brink of an innovation famine.Ridley derives these and other lessons, not with abstract argument, but from telling the lively stories of scores of innovations, how they started and why they succeeded or in some cases failed. He goes back millions of years and leaps forward into the near future. Some of the innovation stories he tells are about steam engines, jet engines, search engines, airships, coffee, potatoes, vaping, vaccines, cuisine, antibiotics, mosquito nets, turbines, propellers, fertiliser, zero, computers, dogs, farming, fire, genetic engineering, gene editing, container shipping, railways, cars, safety rules, wheeled suitcases, mobile phones, corrugated iron, powered flight, chlorinated water, toilets, vacuum cleaners, shale gas, the telegraph, radio, social media, block chain, the sharing economy, artificial intelligence, fake bomb detectors, phantom games consoles, fraudulent blood tests, faddish diets, hyperloop tubes, herbicides, copyright and even – a biological innovation -- life itself.

    There are more than 5000 fintech startups operating, and 50 of them have already reached a billion-dollar valuation. The scope of this market goes way beyond online payments. Financial technology promises to change the way we manage our money online, disrupting the landscape of the financial services industry is being disrupted. Understanding its many facets is the key to navigating the complex nuances of this global industry.Fintech in a Flash is your comprehensive guide to the future of banking and insurance. The book aims to break down the key concepts in a way that will help you understand every aspect so that you can take advantage of new technologies. Inside you’ll find an array of hot topics such as online payments, crowdfunding, challenger banks, online insurance, digital lending, big data, and digital commerce. It will make you rethink the way that you manage your money online, and even find new ways of making online payments. Comprehensive, organized, and detailed, this guide is your go-to source for everything you need to confidently navigate the ever-changing scene of this booming industry.If you decide to buy this book now, you'll get: Easy to understand explanations of the 14 main areas of fintech The author's view on the future of each of these areas Insight into the main fintech hubs in the world Insight into the so called Unicorns, the fintech firms that have made it past a $1 billion valuation More than 100 upcoming fintech companies to watch About the Author: Agustín Rubini is an argentinean-born economist, master in international business, and Director at Banking Innovations. Passionate about building the future of financial services, Agustín spends much of his time speaking and writing on financial technology and advising businesses on innovation and digital transformation. He is a specialist in driving changes in top class banks that want to lead in how customers manage their money online. Tags: fintech, financial technology, financial services technology, money online, online payment, online insurance, insurtech, investing online, wealth management online, wealthtech, regtech, cybercrime, digital lending, digital commerce, ecommerce, e-commerce. Get started immediately Download now and take the first step on your very own road to mastering fintech. Scroll to the top of the page and hit the buy button.

    Seemingly out of nowhere, startups and other tech-savvy disruptors attack. Your customers bolt for the door and revenues stall. Senior executives ignore the problem, or turn to yesterday's management playbook. In months instead of years, you've gone from market leader to also-ran.This scenario is beginning to play out in every industry. Everything that can be digitized - from products and services to the entire value chain - is being digitized, to the advantage of companies that can harness disruption. Unfortunately, few companies are building the organizational capabilities and strategic responses to compete in this stark new reality.In Digital Vortex, you will learn how to use the business models and strategies of startups to your own advantage. Instead of waiting to be disrupted, you can maximize the value of your existing businesses and move into profitable new ones. Most importantly, you will learn how to build the agility to anticipate threats, sense opportunities, and seize them before your rivals do.In today's world there are two paths: navigating to a new digital future, or being engulfed by exponential competitive change. With recommendations backed by research with thousands of senior executives from market leaders and startups alike, this book gives you a compass to chart your own course - to compete with disruptors and win.

    Plenty of books describe what agile development is or why it helps software projects succeed, but very few combine information for developers, managers, testers, and customers into a single package that they can apply directly. This book provides no-nonsense advice on agile planning, development, delivery, and management taken from the authors' many years of experience with Extreme Programming (XP). You get a gestalt view of the agile development process, including comprehensive guidance for non-technical readers and hands-on technical practices for developers and testers. The Art of Agile Development gives you clear answers to questions such as:How can we adopt agile development? Do we really need to pair program? What metrics should we report? What if I can't get my customer to participate? How much documentation should we write? When do we design and architect? As a non-developer, how should I work with my agile team? Where is my product roadmap? How does QA fit in? The book teaches you how to adopt XP practices, describes each practice in detail, then discusses principles that will allow you to modify XP and create your own agile method. In particular, this book tackles the difficult aspects of agile development: the need for cooperation and trust among team members. Whether you're currently part of an agile team, working with an agile team, or interested in agile development, this book provides the practical tips you need to start practicing agile development. As your experience grows, the book will grow with you, providing exercises and information that will teach you first to understand the rules of agile development, break them, and ultimately abandon rules altogether as you master the art of agile development. "Jim Shore and Shane Warden expertly explain the practices and benefits of Extreme Programming. They offer advice from their real-world experiences in leading teams. They answer questions about the practices and show contraindications - ways that a practice may be mis-applied. They offer alternatives you can try if there are impediments to applying a practice, such as the lack of an on-site customer. --Ken Pugh, Author of Jolt Award Winner, Prefactoring "I will leave a copy of this book with every team I visit." --Brian Marick, Exampler Consulting

    Within the industry, studies on game mechanics and behavioral psychology have become proliferate. However, few people understand how to merge the two fields into experience designs that reliably increases business metrics and generates a return on investment. Gamification Pioneer Yu-kai Chou takes reader on a journey to learn his twelve years of obsessive research in creating the Octalysis Framework, and how to apply the framework to create engaging and successful experiences in their product, workplace, marketing, and personal lives. Effective gamification is a combination of game design, game dynamics, behavioral economics, motivational psychology, UX/UI (User Experience and User Interface), neurobiology, technology platforms, as well as ROI-driving business implementations. This book explores the interplay between these disciplines to capture the core principles that contribute to good gamification design. The goal for this book is to become a strategy guide to help readers master the games that truly make a difference in their lives. Readers who absorb the contents of this book will have literally obtained what many companies pay tens of thousands of dollars to acquire. The ultimate aim is to enable the widespread adoption of good gamification and human-focused design in all types of industries.

    It uses technology in new ways to make information universally accessible; promotes a corporate culture that encourages creativity among its employees; and takes its role as a corporate citizen very seriously, investing in green initiatives and developing the largest corporate foundation in the United States.Following in the footsteps of Warren Buffett Speaks and Jack Welch Speaks--which contain a conversational style that successfully captures the essence of these business leaders--Google Speaks reveals the amazing story behind one of the most important new companies of our time by exploring the people and philosophies that have made it a global phenomenon in less than fifteen years.Written by bestselling author Janet Lowe, this book offers an engaging look at how Google's founders, Sergey Brin and Larry Page, transformed their vision of a better Internet search engine into a business colossus with about $16 billion in annual revenue. Lowe discusses the values that drive Brin and Page--for example, how they both live fairly modest lives, despite each having a net worth in excess of $15.9 billion--and details how they have created a culture that fosters fun while, at the same time, keeping Google at the forefront of technology through relentless R&D investments and imaginative partnerships with organizations such as NASA.In addition to examining Google's breakthrough business strategies and new business models--which have transformed online advertising and changed the way we look at corporate responsibility and employee relations--Lowe explains why Google may be a harbinger of where corporate America is headed. She also addresses controversies surrounding Google, such as copyright infringement, antitrust concerns, and personal privacy and poses the question almost every successful company must face: as Google grows, can it hold on to its entrepreneurial spirit as well as its informal motto, "Don't do evil"?What started out as a university research project conducted by Sergey Brin and Larry Page has ended up revolutionizing the world we live in. Google Speaks puts these incredible entrepreneurs in perspective and shows you how their drive and determination have allowed them to create one of today's most powerful companies.

    Your rivals are effortlessly tracking every last link in their supply chains. They're making bureaucratic paper trails obsolete while keeping their customers' data safer and discovering new ways to use this next foundational technology to sustain their competitive advantage. What should you be doing with blockchain now to ensure that your business is poised for success? "Blockchain: The Insights You Need from Harvard Business Review" brings you today's most essential thinking on blockchain, explains how to get the right initiatives started at your company, and prepares you to seize the opportunity of the coming blockchain wave.Business is changing. Will you adapt or be left behind? Get up to speed and deepen your understanding of the topics that are shaping your company's future with the Insights You Need from Harvard Business Review series. Featuring HBR's smartest thinking on fast-moving issues--blockchain, cybersecurity, AI, and more--each book provides the foundational introduction and practical case studies your organization needs to compete today and collects the best research, interviews, and analysis to get it ready for tomorrow. You can't afford to ignore how these issues will transform the landscape of business and society. The Insights You Need series will help you grasp these critical ideas--and prepare you and your company for the future.

    Business is premised on the concept of control and yet the new world order demands openness-leaders do not know how to be open and be in control. This must-have resource will help the modern leader understand how to lead in the new open world-where blogging, twittering, facebooking, and digging are becoming the norm. the author lays out the steps that leaders must take to transform their organizations and themselves into being open -and exactly what that will mean.Shows how to use social media to become an open organization Offers basic advice for leaders who are adapting to the new era of openness in the marketplace The author Charlene Li is one of the foremost experts on social media and technologies In easy-to-understand language, this book will help leaders orient themselves to social networking and other technological advances.

    In fact, as Bilton shows, the digital era we are part of is, in all its creative and disruptive forms, the foundation for exciting and engaging experiences not only for business but society as well.Both visionary and practical, I Live in the Future & Here’s How It Works captures the zeitgeist of an emerging age, providing the understanding of how a radically changed media world is influencing human behavior:   • With a walk on the wild side—through the porn industry—we see how this business model is leading the way, adapting product to consumer needs and preferences and beating piracy.    • By understanding how the Internet is creating a new type of consumer, the “consumnivore,” living in a world where immediacy trumps quality and quantity, we see who is dictating the type of content being created.    • Through exploring the way our brains are adapting, we gain a new understanding of the positive effect of new media narratives on thinking and action. One fascinating study, for example, shows that surgeons who play video games are more skillful than their nonplaying counterparts.    • Why social networks, the openness of the Internet, and handy new gadgets are not just vehicles for telling the world what you had for breakfast but are becoming the foundation for “anchoring communities” that tame information overload and help determine what news and information to trust and consume and what to ignore.    • Why the map of tomorrow is centered on “Me,” and why that simple fact means a totally new approach to the way media companies shape content.    • Why people pay for experiences, not content; and why great storytelling and extended relationships will prevail and enable businesses to engage with customers in new ways that go beyond merely selling information, instead creating unique and meaningful experiences.  I Live in the Future & Here’s How It Works walks its own talk by creating a unique reader experience: Semacodes embedded in both print and eBook versions will take readers directly to Bilton’s website (www.NickBilton.com), where they can access videos of the author further developing his point of view and also delve into the research that was key to shaping the central ideas of the book. The website will also offer links to related content and the ability to comment on a chapter, allowing the reader to join the conversation.

    With a blend of software engineering facts and thought-provoking opinions, Fred Brooks offers insight for anyone managing complex projects. These essays draw from his experience as project manager for the IBM System/360 computer family and then for OS/360, its massive software system. Now, 45 years after the initial publication of his book, Brooks has revisited his original ideas and added new thoughts and advice, both for readers already familiar with his work and for readers discovering it for the first time.The added chapters contain (1) a crisp condensation of all the propositions asserted in the original book, including Brooks' central argument in The Mythical Man-Month: that large programming projects suffer management problems different from small ones due to the division of labor; that the conceptual integrity of the product is therefore critical; and that it is difficult but possible to achieve this unity; (2) Brooks' view of these propositions a generation later; (3) a reprint of his classic 1986 paper "No Silver Bullet"; and (4) today's thoughts on the 1986 assertion, "There will be no silver bullet within ten years."

    One million people can create new market for a business, spark a social movement, or effect political change. In 1996, a microtrend identified by Penn ("soccer moms") was crucial in re-electing President Clinton. With years of experience as one of world's most highly regarded pollsters, Mark Penn identifies the new microtrends sweeping the world: *Single women by choice: More often than ever before, they aren't waiting for Mr. Right. They are raising children by themselves and buying their own homes.*Splitters: A growing number of middle-class residents are shuttling between two homes, creating new communities and dynamics in the real estate market.*Sun Haters: Environmentalists, skin cancer survivors, and parents concerned about the impact the sun is having on our health.*Philo-semites: A growing number of people want to date Jewish men and women.*Classical Music Dads: Older men who are fathers in their 40's and 50's and taking on a larger role in the nurturing of their children and becoming an important factor in consumer culture for kids. Penn highlights everything from religion to politics, from leisure pursuits to relationships. MICROTRENDS will take the reader deep into the worlds of polling, targeting, and psychographic analysis, reaching tantalizing conclusions through engaging analysis.

    It combines stories that are fictional, with technology that is real. While none of the stories have happened, there is no reason why they could not. You could argue it provides a road map for criminal hackers, but I say it does something else: it provides a glimpse into the creative minds of some of today's best hackers, and even the best hackers will tell you that the game is a mental one' - from the Foreword to the first "Stealing the Network" book, "How to Own the Box", Jeff Moss, Founder & Director, Black Hat, Inc. and Founder of DEFCON. For the very first time, the complete "Stealing the Network" epic is available in an enormous, over 1000 page volume complete with the final chapter of the saga and a DVD filled with behind the scenes video footage! These groundbreaking books created a fictional world of hacker superheroes and villains based on real world technology, tools, and tactics. It is almost as if the authors peered into the future as many of the techniques and scenarios in these books have come to pass. This book contains all of the material from each of the four books in the "Stealing the Network" series. All of the stories and tech from: "How to Own the Box"; "How to Own a Continent"; "How to Own an Identity"; and, "How to Own a Shadow". Plus: finally - find out how the story ends! The final chapter is here! There is a DVD full of behind the scenes stories and insider info about the making of these cult classics! Now for the first time the entire series is one 1000 plus page book. The DVD contains 20 minutes of behind the scenes footage. Readers will finally learn the fate of 'Knuth' in the much anticipated final chapter.

    It already drives most of the world’s top technology companies. And now it’s starting to spread to every domain where leaders wrestle with complex projects. If you’ve ever been startled by how fast the world is changing, Scrum is one of the reasons why. Productivity gains of as much as 1200% have been recorded, and there’s no more lucid – or compelling – explainer of Scrum and its bright promise than Jeff Sutherland, the man who put together the first Scrum team more than twenty years ago. The thorny problem Jeff began tackling back then boils down to this: people are spectacularly bad at doing things with agility and efficiency. Best laid plans go up in smoke. Teams often work at cross purposes to each other. And when the pressure rises, unhappiness soars. Drawing on his experience as a West Point-educated fighter pilot, biometrics expert, early innovator of ATM technology, and V.P. of engineering or CTO at eleven different technology companies, Jeff began challenging those dysfunctional realities, looking for solutions that would have global impact. In this book you’ll journey to Scrum’s front lines where Jeff’s system of deep accountability, team interaction, and constant iterative improvement is, among other feats, bringing the FBI into the 21st century, perfecting the design of an affordable 140 mile per hour/100 mile per gallon car, helping NPR report fast-moving action in the Middle East, changing the way pharmacists interact with patients, reducing poverty in the Third World, and even helping people plan their weddings and accomplish weekend chores. Woven with insights from martial arts, judicial decision making, advanced aerial combat, robotics, and many other disciplines, Scrum is consistently riveting. But the most important reason to read this book is that it may just help you achieve what others consider unachievable – whether it be inventing a trailblazing technology, devising a new system of education, pioneering a way to feed the hungry, or, closer to home, a building a foundation for your family to thrive and prosper.

    You will learn how to systematically understand, design, and implement a new business model or analyze and renovate an old one.2) Co-created by 470 strategy practitionersBusiness Model Generation practices what it preaches. Co-authored by 470 Business Model Canvas practitioners from 45 countries, the book was financed and produced independently of the traditional publishing industry. It features a tightly-integrated, visual, lie-flat design that enables immediate hands-on use.3) Designed for doersBusiness Model Generation is for those ready to abandon outmoded thinking and embrace new, innovative models of value creation: executives, consultants, entrepreneurs and leaders of all organizations.

    We've embraced it in the boardroom, the bedroom, and the bathroom.Screens have taken over our lives. Most people spend over eight hours a day staring at a screen, and some "technological innovators" are hoping to grab even more of your eyeball time. You have screens in your pocket, in your car, on your appliances, and maybe even on your face. Average smartphone users check their phones 150 times a day, responding to the addictive buzz of Facebook or emails or Twitter.Are you sick? There's an app for that! Need to pray? There's an app for that! Dead? Well, there's an app for that, too! And most apps are intentionally addictive distractions that end up taking our attention away from things like family, friends, sleep, and oncoming traffic.There's a better way.In this book, innovator Golden Krishna challenges our world of nagging, screen-based bondage, and shows how we can build a technologically advanced world without digital interfaces.In his insightful, raw, and often hilarious criticism, Golden reveals fascinating ways to think beyond screens using three principles that lead to more meaningful innovation. Whether you're working in technology, or just wary of a gadget-filled future, you'll be enlighted and entertained while discovering that the best interface is no interface.