Bibliography
Accenture (2014) “The Rise of Fintech: New York's Opportunity for Tech Leadership,” http://www.accenture.com/us-en/Pages/insight-rise-fintech-new-york.aspx.
Agar, Jon (2013) Constant Touch: A Global History of the Mobile Phone (London: Icon Books).
Berger, Allen; Molyneux, Philip and Wilson, John (2010) “Banking, an Overview” in The Oxford Handbook of Banking (Oxford: Oxford University Press).
Brammertz, Willi; Akkizidis, Ioannis; Breymann, Wolfgang; Entin, Rami and Rustmann, Marco (2009) Unified Financial Analysis, The Missing Links of Finance (Hoboken: Wiley).
Brito, Jerry and Castilo, Andrea (2013) “Bitcoin, a Primer for Policy Makers” (George Mason University, 2013), mercatus.org/sites/default/files/Brito_BitcoinPrimer.pdf.
Broeders, Henk and Khanna, Somesh (2015) Strategic choices for banks in the digital age (McKinsey and Company), http://www.mckinsey.com/insights/financial_services/Strategic_choices_for_ banks_in_the_digital_age.
Buford, John; Yu, Heather and Lua, Eng Keong (2009) P2P Networking and Applications (Burlington: Elsevier).
Center for the Study of Financial Innovation (CSFI) (2014) “Banking Banana Skins 2014: Inching towards recovery,” http://www.csfi.org/files/Banking_Banana_Skins_2014.pdf.
Chao, GeorgiaT. (2012) “Organizational Socialization: Background, Basics, and a Blueprint for Adjustment at Work,” in Kozlowski, Steve (editor) The Oxford Handbook of Organizational Psychology, Volume 1 (Oxford: Oxford University Press).
Chesbrough, Henry (2003) Open Innovation: The New Imperative for Creating and Profiting from Technology (Harvard: Harvard Business Review Press).
Chesbrough, Henry (2011) Open Services Innovation: Rethinking Your Business to Grow and Compete in a New Era (San Francisco: Jossey-Bass).
Choudhry, Moorad (2004) An Introduction to Credit Derivatives (Elsevier, 2004).
Christensen, Clayton (1997) The Innovator’s Dilemma: When New Technologies Cause Great Firms to Fail (Harvard: Harvard Business School Press).
Christensen, Clayton; Allworth, James and Dillon, Karen (2012) How Will YouMeasure YourLife? (New York: Harper Business)
Chu, Catherine and Smithson, Steve (2007) “E-business and organizational change: a structurational approach” (Information Systems Journal, 10/2007), http://onlinelibrary.wiley.com/doi/10.1111/ j.1365-2575.2007.00258.x/abstract.
Croxford, Hugh; Abramson, Frank and Jalbonowski, Alex (2005) The Art of Better Retail Banking (Hoboken: Wiley).
Dang, Tri Vi; Gorton, Gary; Holstroem, Bengt and Ordonez, Guillermo (2014) “Banks as Secret Keepers,” National Bureau of Economic Research (NBER), www.nber.org/papers/w20255.
Demirguc-Kunt, Asli and Klapper, Leora (2012) “Measuring Financial Inclusion” (World Bank, Policy Research Working Paper 6025, April 2012).
Devasabai, Kris (2014) “Hedge funds, securitisation and leverage change P2P game,” Risk.net 12 October 2014, www.risk.net/risk-magazine/feature/2372612/hedge-funds-securitisation-and-leverage- change-p2p-game.
Diamandis, Peter and Kotler, Stephen (2015) Bold: How to Go Big, Achieve Success, and Impact the World (New York: Simon & Schuster).
Downes, Larry and Nunes, Paul (2014) Big Bang Disruption: Strategy in the Age of Devastating Innovation (New York: Penguin).
Evans, Philip and Wurster, Thomas (2000) Blown to Bits: How the New Economics of Information Transforms Strategy (Harvard: Harvard Business School Press).
FederalReserveBankofNew York (2014) “Key Findings of the SmallBusiness CreditSurvey, Q4/2013,” http://www.newyorkfed.org/smallbusiness/Fall2013/pdf/summary-of-key-findings-2014.pdf.
Fudenberg, Drew and Tirole, Jean (1984) “The Fat-Cat Effect, the Puppy-Dog Ploy, and the Lean and Hungry Look,” The American Economic Review, Vol. 74, No. 2, May 1984.
Gallo, Carmine (2010) The Innovation Secrets of Steve Jobs: Insanely Different Principles for Breakthrough Success (New York: McGraw-Hill).
Gordon Mills, Karen and McCarthy, Brayden (2014) “The State of Small Business Lending: Credit Access during the Recovery and How Technology May Change the Game” (Harvard Business School Working Paper, 22 July 2014), http://www.hbs.edu/faculty/Publication%20Files/15- 004_09b1bf8b-eb2a-4e63-9c4e-0374f770856f.pdf.
Gregory, Jon (2012) Counterparty Credit Risk and Credit Value Adjustment: A Continuing Challenge for Global Financial Markets (Chichester: Wiley).
Hagel, John III and Rayport, Jeffrey (1997) “The Coming Battle for Customer Information” (Harvard Business Review, January 1997 Issue), https://hbr.org/1997/01/the-coming-battle-for-customer- information.
Hirt, Martin and Willmott, Paul (2014) Strategic Principles for Competing in the Digital Age (McKin- sey&Company).
Ismail, Salim (2015) Exponential Organizations: Why new organizations are ten times better, faster, and cheaper than yours (and what to do about it) (New York: Diversion Books).
King, Brett (2010) Bank 2.0 (Singapore: Marshall Cavendish International).
King, Brett (2013) Bank 3.0: Why Banking is No Longer Somewhere You Go, But Something You Do (Hoboken: Wiley).
King, Brett (2014) Breaking Banks: The Innovators, Rogues, and Strategists Rebooting Banking (New York: Wiley).
Kurzweil, Ray (2005) The Singularity Is Near: When Humans Transcend Biology (London: Duckworth Overlook).
Levitt, Theodore (1960) “Marketing Myopia,” Harvard Business Review 2004 Jul-Aug;82(7-8):138-49, https://hbr.org/2004/07/marketing-myopia.
Manbeck, Peter and Hu, Samuel (2014) “The Regulation of Marketplace Lending: A Summary of the Principal Issues” (Chapman and Cutler LLP White Paper, April 2014), http://www.aba.com/ Tools/Offers/Documents/Chapman_Regulation_of_Marketplace_Lending_0414.pdf.
Markoff, John (2005) What the Dormouse Said: How the Sixties Counterculture Shaped the Personal Computer Industry (New York: Penguin).
McGrath, Rita and MacMillan, Ian (1995) “Discovery-Driven Planning” (HarvardBusiness Review, July 1995 Issue), https://hbr.org/1995/07/discovery-driven-planning/ar/1.
Mintzberg, Henry (1978) “Patterns in Strategy Formation” (Management Science, Vol. 24, No. 9 (May, 1978), pp. 934-948), http://www.jstor.org/stable/2630633.
Moldow, Charles (2014) “A Trillion Dollar Market By the People, For the People” (Foundation Capital, 2014), http://www.foundationcapital.com/downloads/FoundationCap_MarketplaceLendingWhite paper.pdf.
Nash, Ryan, and Eric Beardsley (2015) “The Future of Finance: The Rise of the New Shadow Bank, Part 1,” Goldman Sachs Equity Research.
Peter, Laurence and Hull, Raymond (1969) The Peter Principle: Why Things Always Go Wrong (New York: William Morrow and Company).
Prahalad, C K and Hamel, Gary (1990) “The Core Competence of the Corporation” (Harvard Business Review May-June 1990).
Robinson + Yu (2014) “Knowing the Score: New Data, Underwriting, and Marketing in the Consumer Credit Marketplace. A Guide for Financial Inclusion Stakeholders,” http://www.robinsonyu.com/pdfs/Knowing_the_Score_Oct_2014_v1_1.pdf.
Rogers, Everett (2003) Diffusion of Innovations, 5th Edition (New York: Free Press, a Division of Simon & Schuster).
Rotman, Frank (2015) “The Hourglass Effect: A Decade of Displacement”, 13 April 2015, http:// qedinvestors.com/frank-rotman-releases-the-hourglass-effect-a-decade-of-displacement/.
Schiinbucher, Philipp J. (2003) Credit Derivatives Pricing Models (Hoboken: Wiley).
Shapiro, Carl and Varian, Hal (1999) Information Rules (Harvard: Harvard Business School Press).
Skinner, Chris (2014) Digital Bank: Strategies to launch or become a digital bank (Singapore: Marshall Cavendish Business).
Sviokla, John and Cohen, Mitch (2014) The Self-Made Billionaire Effect: How Extreme Producers Create Massive Value (New York: Penguin).
Thiel, Peter and Masters, Blake (2014) Zero to One: Notes on Startups or How to Build the Future (New York: Crown Business).
Turkle, Sherry (2011) Alone Together: Why We Expect Morefrom Technology and Lessfrom Each Other (New York: Basic Books).
World Economic Forum (2011) “Personal Data: The Emergence of a New Asset Class,” http://www3.weforum.org/docs/WEF_ITTC_PersonalDataNewAsset_Report_2011.pdf.