The Idle Billions

Stop letting banks capture revenue that belongs to your business

The Idle Billions: A Business Leader's Guide to Fintech Strategies that Put Money to Work is the first major fintech book written for a general business audience. David F. Giannetto, CEO of Netchex, who grew WorkWave from $50 million to nearly $500 million in revenue by embedding fintech solutions directly into software products, provides a practical roadmap for capitalizing on the money flowing through your organization.

The Idle Billions examines how companies like Apple, Uber, and Starbucks have unlocked hidden revenue streams by taking control of money flows previously ceded to banks. Giannetto and Ablowitz offer actionable guidance on embedded lending, earned wage access, and other fintech tools, along with strategies for deciding whether to build or partner and overcoming common implementation obstacles.

Readers will also find:

• Real-world case studies showing how Uber generates $2.99 transaction fees on earned wage access and Starbucks profits from idle gift card balances
• Strategies for building multi-level economic relationships that keep revenue circulating within your ecosystem instead of leaking to banks
• Guidance on embedding financial instruments such as credit cards, lending, payroll, and insurance directly into your existing software solutions
• Frameworks for understanding how money moves through your organization and identifying untapped opportunities to monetize those flows
• Practical approaches to attracting and retaining top talent through innovative fintech-enabled employee benefits and compensation models

Written for business leaders across all industries, from Fortune 500 executives to small software company founders, The Idle Billions delivers a strategic framework for anyone seeking to reclaim control of financial flows and turn idle capital into new, sustainable revenue streams within a $209.7 billion global fintech market.