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Bhupendra Thapa

Understanding Economic Inequality: Causes and Solutions

Global Perspectives on Wealth and Distribution

This book extends the literature on multidimensional poverty and economic deprivation by providing insights into the well-being of the US population. Written for policymakers, researchers, economists, and others studying poverty, this resource documents multidimensional deprivation in the US, examines variation in its incidence and intensity across demographic cohorts and geographic locales, and considers the corresponding implications for the American social contract.Multidimensional deprivation is chronicled using data extracted from the 2008–2023 American Community Survey Public Use Microdata surveys (ACS-PUMS). The extensive data, which includes information for nearly 48 million individuals, enables a thorough exploration of multidimensional deprivation in the US, serving as a valuable complement to the official income-based measures of poverty.&nbsp;&nbsp;Roger White
 is Professor of Economics and Douglas W. Ferguson Chair in International Economics at Whittier College. White is the author or editor of nine books, including five published by Palgrave Macmillan: 
 Intersectionality and Discrimination 
 (2023), 
 Multidimensional Poverty in America 
 (2020), 
 Public Opinion on Economic Globalization 
 (2017), 
 Measuring Multidimensional Poverty and Deprivation 
 (2017), and 
 Making Sense of Anti-Trade Sentiment
 (2014).

A Profile of the Multidimensionally Poor, 2008–2023

Deprivation in America

The Great Social Divide examines one of the defining questions of our time: why have unprecedented economic growth and global prosperity coincided with rising inequality, political polarisation, and declining trust in democracy? Challenging the assumption that free markets and democratic governance naturally reinforce one another, this book explores how decades of neoliberal reforms have reshaped economies, societies, and political institutions. Combining rigorous research with accessible analysis, the chapters reveal&nbsp;the structural tensions between market-driven policies and democratic ideals, explaining how wealth concentration, social fragmentation, and political influence have become increasingly intertwined.Timely and thought-provoking, The Great Social Divide offers scholars, policymakers, students, and engaged readers a compelling framework for understanding the crises facing contemporary democracies—and asks whether democracy can be renewed, or whether a fundamentally new economic and political settlement is required for the twenty-first century.Ruth Pasquier is an economist, researcher, author, and Fellow of the EuroMed Academy of Business. She has over three decades of experience in research, teaching, and executive education, having taught economics and international business in Switzerland, Ireland, and Spain. Her research has been recognised by international organisations, including UNCTAD and the World Bank. She is the recipient of the Emerald Literati Award for Excellence and the EuroMed Academy of Business Best Contributor Award. Her research examines the relationship between democracy, inequality, and neoliberalism, with a particular focus on the institutional forces shaping contemporary societies.

Navigating the Clashes Between Democratic Freedom and Neoliberal Economics

The Great Social Divide

Moving Blind is the result: a framework for understanding why 84% of Kenya's economy is invisible to the formal system, and what it would take to make it visible. This book introduces the Legitimacy Multiplier, the Trust Transition Point, and a policy prescription for building the legibility infrastructure that Kenya's informal economy has always deserved. It is the first volume of the Moving Blind series a work that begins in the dust of Ruaka and ends with a theory that could set Kenya's economy free.

The Invisible Engine Powering Kenya's Economy

Moving Blind Volume 1

Document from the year 2026 in the subject Economics - Monetary theory and policy, Tribhuvan University (Prithvi Narayan Campus), course: economics, language: English, abstract: The rapid growth of digital technologies has fundamentally transformed the global financial system, leading many countries toward cashless economies where electronic payment methods increasingly replace physical cash. This article examines the evolution of cashless economies, the technological and economic factors driving their expansion, and the opportunities and challenges associated with this transition. It discusses how innovations such as mobile banking, digital wallets, contactless payments, blockchain, artificial intelligence, cloud computing, and financial technology (FinTech) have improved payment efficiency, convenience, and accessibility. 

The article further explores the role of governments and central banks in promoting digital payment systems through supportive policies, digital infrastructure, financial inclusion initiatives, and regulatory frameworks. Particular attention is given to the contribution of cashless economies to financial inclusion, business development, economic transparency, and sustainable economic growth. At the same time, the article critically examines important challenges, including cybersecurity threats, privacy concerns, financial exclusion, technological dependence, and regulatory complexities. International case studies from Sweden, China, India, Kenya, and Brazil demonstrate how different countries have successfully adopted digital payment systems while highlighting the importance of public trust, digital literacy, and effective governance. The article concludes that although cashless economies offer significant economic and social benefits, their long-term success depends on balancing technological innovation with strong cybersecurity, consumer protection, inclusive public policies, and equal access to digital financial services. A secure, resilient, and inclusive digital financial ecosystem will be essential for ensuring that the benefits of cashless economies are shared by all members of society.

The Rise of Cashless Economies. Benefits and Risks

In I Did Everything Right So Why Am I Still Struggling?, Michael J. Henderson exposes the often-hidden realities behind the American dream. With deep personal insight, Henderson shares his journey and the lessons learned from doing everything that society promises will lead to success working hard, studying diligently, and following the rules only to face continued struggles.

This compelling book is a critical examination of the economic systems that shape our lives. Henderson argues that hard work alone does not guarantee success, and that the structures we rely on are rigged against the very people who contribute the most. Through an exploration of debt, opportunity, meritocracy, and class, Henderson demonstrates that the true barriers to success are systemic, not personal failures.

I Did Everything Right So Why Am I Still Struggling? is more than just a memoir it is a powerful social critique that challenges readers to rethink the promises they were taught about success. It is an invitation to stop internalizing failure and start understanding the forces at play. Henderson calls for a shift in perspective, urging readers to recognize the difference between individual effort and structural inequality.

This book is essential reading for anyone questioning why the rules they've followed for success seem to fail them, and for those seeking to understand the broader forces shaping their lives. It's a thought-provoking exploration of what happens when the American dream doesn't deliver-and how to reclaim your power in a system that doesn't reward effort equally.

I Did Everything Right So Why Am I Still Struggling?

Palgrave Studies in Impact Finance

“I am delighted to see this&nbsp;elaborate and comprehensive new book on financial&nbsp;inclusion in India by Shika Saravanabhavan and&nbsp;Meenakshi Rajeev. Financial inclusion has always been a critical issue in India's development process. Students, teachers, researchers and policy experts would be immensely benefited&nbsp;by this contribution, amply rich in&nbsp;evidence and analyses.”
--Sugata Marjit, Former Vice - Chancellor, Calcutta University, India. Former Director and RBI Chair Professor , CSSSC, Kolkata, India
&nbsp;
“Much has been written about financial inclusion in the Indian context. The Jan Dhan–Aadhaar–Mobile (JAM) trinity has brought about a transformative structural shift in this space, necessitating a holistic and comprehensive reassessment. This volume undertakes precisely that task, making it a significant and timely contribution to the literature on financial inclusion in India.”
--N R Bhanumurthy, Director, Madras School of Economics, India. Former Vice Chancellor, DR B R Ambedkar School of Economics, Bengaluru, India
This book provides a comprehensive analysis of financial inclusion in India, blending empirical analysis with policy evaluation. It showcases the remarkable progress achieved through various financial inclusion initiatives in India, most notably through the Pradhan Mantri Jan Dhan Yojana (PMJDY), while also addressing the challenges that persist. Drawing on unit-level data from multiple rounds of the NSSO-Debt and Investment Survey, the book offers a rigorous assessment of four core components of financial inclusion: savings, credit, insurance, and remittances. This analysis is further enriched by data from the Reserve Bank of India and the Global Findex, providing a well-rounded analysis.&nbsp; By offering nuanced insights into India’s financial inclusion journey, this work serves as a valuable resource for policymakers, researchers, development practitioners, and students working in the domain of financial inclusion.
Shika Saravanabhavan is currently a Research Associate at the Institute for Social and Economic Change (ISEC), Bengaluru, India.
Meenakshi Rajeev is currently Professor of Economics at the Indian Institute of Technology, Jammu and Institute for Social and economic Change, Bengaluru, India.

India’s Financial Inclusion Journey

Moving Beyond Barriers

How the great political thinkers have persistently warned against the dangers of economic inequality

Economic inequality is one of the most daunting challenges of our time, with public debate often turning to questions of whether it is an inevitable outcome of economic systems and what, if anything, can be done about it. But why, exactly, should inequality worry us? The Greatest of All Plagues demonstrates that this underlying question has been a central preoccupation of some of the most eminent political thinkers of the Western intellectual tradition.

David Lay Williams shares bold new perspectives on the writings and ideas of Plato, Jesus, Thomas Hobbes, Jean-Jacques Rousseau, Adam Smith, John Stuart Mill, and Karl Marx. He shows how they describe economic inequality as a source of political instability and a corrupter of character and soul, and how they view unchecked inequality as a threat to their most cherished values, such as justice, faith, civic harmony, peace, democracy, and freedom. Williams draws invaluable insights into the societal problems generated by what Plato called "the greatest of all plagues," and examines the solutions employed through the centuries.

An eye-opening work of intellectual history, The Greatest of All Plagues recovers a forgotten past for some of the most timeless books in the Western canon, revealing how economic inequality has been a paramount problem throughout the history of political thought.

How Economic Inequality Shaped Political Thought from Plato to Marx

The Greatest of All Plagues

Wealth inequality is spiraling. The standard response-demand higher taxes, demonize billionaires, wait for politicians to act-has been failing for decades, and it will keep failing. The reason for this is simple: the ultra wealthy are the most powerful people in the world, and as long as they want to maximize wealth, their net worths will climb ever higher.

The solution?
Make them want something else.

Written from the perspective of a wealthy person who has committed to voluntarily capping his wealth, A Solution to Wealth Inequality challenges conventional wisdom and offers a novel solution to the problem of inequality: persuasion. Instead of treating the wealthy as a foe to be vanquished, the book seeks to understand where our cultural ideas about wealth come from and how we can replace them with better ones. In the process, it makes a series of clear arguments directly to the wealthy that there's a better way to live. It doesn't ask the wealthy to act against their nature or their interests. Instead, it helps them gain a deeper understanding of both and see that they already point toward generosity.


Is this book just for the ultra wealthy?
Not at all, but this question speaks to one of the great challenges of addressing inequality. It's true that solving this problem requires the wealthy to act, but they make up less than 0.1% of the population and very few of them are in the market for a book about why they should give away a large percentage of their money. A book directed solely at them will never be read.

To reach the wealthy, we must first reach the people who care most about addressing inequality-everyone else, in other words. The goal of this book is to spread ideas that get people talking and become impossible to ignore, even for someone with a billion dollars. That's why this book isn't just for the ultra wealthy. It's for anyone ready to change the conversation.

A Solution to Wealth Inequality

At its peak, the British Empire governed a quarter of the world's land area and population. How it shaped trajectories of economic development in the former colonies remains the subject of fierce debate. Leigh Gardner and Tirthankar Roy offer a rich and textured economic history of the British Empire focused on the colonies themselves. While the economic history of the Empire has been much debated, previous work has focused either on economic dynamics in Britain, or on specific colonies or regions. In this fresh global analysis, Gardner and Roy argue that the British Empire was characterised by more diversity than unity. How did this diversity emerge? How did it shape global inequalities and patterns of economic change in postcolonial times? And, finally, do we need to rethink our definitions of empire in light of this diversity? In addressing these questions, this book provides an incisive guide to the Empire: its origins, how it was governed, how it ended, and the complicated legacies it left. The British Empire demystifies one of the most contested subjects of our time.

An Economic History

The British Empire: An Economic History

This book provides a unique, execution-oriented institutional architecture for banking that unifies hybrid delivery, governance, trust, inclusion, and operational discipline within a single, coherent framework, with application to retail banking systems operating at scale.Digital transformation, regulatory pressure, shifting customer expectations, and rising inclusion mandates have fundamentally altered how banking financial institutions must be designed, governed, and operated. Yet much of the existing literature treats retail banking as a technology or channel problem, rather than as a complex institutional system that must function reliably at scale. Drawing on decades of real-world banking experience across multiple geographies, this book examines how retail institutions can be deliberately designed to balance execution, trust, inclusion, resilience, and long-term sustainability. Global in perspective and grounded in execution, it serves as a reference work for those responsible for shaping the future design of modern banking institutions.The Future of Retail Banking provides senior leaders, regulators, policymakers, and practitioners with a practical lens for navigating hybrid operating models, open finance ecosystems, ESG responsibilities, and long-term institutional resilience.

Institutional Architecture, Governance, and Operations

The Future of Retail Banking

Studies in International Trade and Investment Law

This open access book examines the evolving role of international economic law in addressing two interrelated challenges of the 21st century: enabling digital development and bridging the digital divide. The rapid digitalisation of the economy has generated significant challenges, including a deepening global digital and data divide and a persistent lack of inclusive digital development. Confronting these challenges head on, this pioneering book brings together experts across different legal subfields, geographies, and disciplines to examine the role and relevance of international economic law in bridging the global digital divide and enabling digital development, particularly from the perspective of the Global South. The contributions are anchored in a distinctive analytical framework that traces future directions through which international economic law interacts with digital development, demonstrating how it may function as a constraint, fade into irrelevance, or eventually act as an enabler. The chapters focus on a broad range of areas, including international trade, investment, tax, development, competition, finance and related regulatory and policy domains; they consider multilateral, regional, and plurilateral frameworks; and draw on a plurality of perspectives from Africa, Asia, the Middle East, and Latin America. The authors employ a wide range of methodological approaches to address issues such as digital sovereignty and digital industrial policy, cross-border data flows and digital global value chains, competition in data markets, AI governance, financial inclusion, and the sustainability-digitalisation nexus. This book speaks to scholars, policymakers, and practitioners in international economic law, development studies, and technology law who seek theoretical and pragmatic pathways for reorienting international economic law as a tool for equitable, sustainable, and meaningful digital development. The ebook editions of this book are available open access under a CC BY-NC-ND 4.0 licence on bloomsburycollections.com.

Towards Digital Development

Reorienting International Economic Law for the Digital Economy

Palgrave Series in Asia and Pacific Studies

Over the last three decades, Bangladesh has attained greater financial inclusion. Much of this was induced by financial innovations and a vast network of banks and microfinance institutions. How does this financial inclusion impact households and firms?The book focuses on the intensity and impact of financial inclusion in Bangladesh, drawing on qualitative and empirical research. It discusses the state of financial inclusion and its determinants using both aggregate and household-level panel data. In addition, it provides an analysis of the impact of financial inclusion on poverty alleviation, firm-level productivity, and economic and financial resilience. This makes the book comprehensive and unique.

Intensity and Impacts

Financial Inclusion in Bangladesh

Understanding Economic Inequality: Causes and Solutions

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