"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." (James Lynch, financial consultant and former faculty member, INCAE Business School, US) "Edmunds show 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."(Peter T.

Paul, Chairman, Headlands Asset Management LLC) "This book combines John Edmunds's 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[1]needed inclusion in the financial markets." (Jorge Tarzihan, Professor, School of Management, Pontificia Universidad Catolica de Chile) "At the heart of every financial system is the implied promise that the institutions will protect your money. That belief is convenient, but increasingly naive when it depends on trusting banking oligopolies and the state staying responsible. Zero-trust systems offer a powerful alternative, but they can be unforgiving for the tech-illiterate.Edmunds charts a practical middle path using cloud-based platforms that, when built on open standards, can foster financial ecosystems that are more inclusive, resilient,and far harder to weaponise." (Madhu Varshitt, Director of Engineering, engineering leader and former strategy consultant).