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Bhupendra Thapa

The Rise of Cashless Economies. Benefits and Risks

Leveraging Data Science and Machine Learning

Predictive Intelligence for Transforming Healthcare Insurance

Banking, Money and International Finance

The emergence of financial technologies has unlocked a myriad of possibilities for reshaping governance systems, from the grassroots level of micro-governance to the broader scope of national and transnational governance. This book thoroughly examines the significant impact of cutting-edge financial technology on enhancing worldwide access to financial services. In an era marked by persistent governance challenges, it highlights the transformative potential of AI-driven solutions in fostering more equitable economic participation. Overcoming traditional banking barriers to serve underserved and unbanked communities, the book investigates the fourth wave of fintech innovation depicted by AI, blockchain technologies and decentralized systems. The book begins by presenting the fundamentals of digital innovation, particularly emphasising the transformative role of AI-powered financial tools in improving banking experiences for various global communities. It emphasizes the role of digital payment platforms in bridging the gap between urban and rural populations, as well as the way blockchain technology and smart contracts are setting new benchmarks for transaction security and transparency. Its primary focus is on the strategies for overcoming financial exclusion. Cybersecurity compliance, ethical AI, data governance, and regulatory coordination are considered essential for creating trustworthy digital financial systems. Additionally, it thoroughly examines the alternative credit scoring methods that use non-traditional data to transform lending and presents the opportunities and challenges that will shape the future of finance, with a particular emphasis on central bank digital currencies (CBDCs), sustainable blockchain solutions, and artificial intelligence collaborations. For scholars, researchers and policymakers working to create a more accessible and sustainable financial future, the book offers a thorough overview of the state of inclusive fintech today and a predictive outlook on how technology can promote global economic equity.

Financial Innovation for Inclusive and Equitable Digital Economies

Human-Centred Intelligent Finance

AI, Fintech, and the Future of Global Financial Systems

This open access book critically analyses a wide range of consumer law issues generated or exacerbated by the Internet of Things. The Internet of Things challenges many of the dichotomies which have shaped current laws: goods-services, hardware-software, tangible-intangible, online-offline. The book focuses on 4 specific challenges: things-as-service, liability, bricking of physical devices through software control, and the potential for enhanced personalisation, especially for digital assistants. The chapters analyse specific applications such as smart homes, connected cars, and consumer wearables with a view to providing innovative solutions to the new challenges posed by the Internet of Things, and to steer the development of the Internet of Things in a fairer direction. As well as offering an important analysis of the potential for smart consumer laws in the Internet of Things, the book also provides important insights into the growing divergence between Germany's and the UK's consumer laws since Brexit. The ebook editions of this book are available open access under a CC BY 4.0 licence on bloomsburycollections.com. Open access was funded by UKRI (Arts and Humanities Research Council) and the German Research Foundation (DFG).

Lessons from Germany and the United Kingdom

From Smart Technologies to Smart Consumer Law

**This edition will be released in March 2027. If you want to get a copy ahead of then, have a look at our hardback edition, released in May 2026.** 'If you're worried about wasting your life, read this book.' Rutger Bregman, author of Humankind A ridiculously in-depth guide to finding a fulfilling and impactful career in an age of AI. You have about 80,000 hours in your career: 40 hours a week, 50 weeks a year, for 40 years. This means your choice of career is the most important decision you'll ever make. Choose well, and you can have a more rewarding, interesting life, and also help solve some of the world's most pressing problems. Choose poorly, and you could waste decades. So what should you do? Most advice is based on no research, instead offering (misleading) platitudes like 'follow your passion'. It's surprisingly out of date, focusing on traditional paths rather than those most likely to thrive in an age of AI. And if you want to help others, the advice is even more simplistic: telling you to choose careers like nurse or doctor, when there are paths in which almost anyone can save more lives. In fact, some careers have hundreds of times more impact than others, but most of us have no idea which ones. Benjamin Todd is the founder of 80,000 Hours, a non-profit that's spent over ten years researching how to have a meaningful and impactful career. Here he introduces a tried-and-tested toolkit framework that has already led thousands of people to change their path. It covers:<ul><li>What really makes for a dream job, and why finding it probably doesn't involve 'following your passion'.</li><li>How to identify which global problems are most pressing, and why they might involve AI as much as climate change.</li><li>Which roles are likely to be automated, and how to ensure yours isn't among them.</li></ul> It's also full of practical tips and tools. You'll come away with a plan to use your 80,000 hours in a way that's rewarding and fulfils your potential to make a difference. 'This career guide is among the most thoughtful and grounded I've seen.' Cal Newport, author of Deep Work 'A remarkably rigorous guide about how to find that perfect career for you.' Ali Abdaal, author of Feel-Good Productivity 'Based on evidence and good sense, not platitudes.' Steven Pinker, author of The Better Angels of our Nature 'The most informative book you can read if you're stuck trying to make one of life's most important decisions.' Hannah Ritchie, author of Not the End of the World

How to Have a Fulfilling Career That Does Good

80,000 Hours

International Series in Operations Research & Management Science

This book shows how to weld deep learning to the laws that govern heavy-industry assets. Instead of treating sensor readings as detached numbers, the book teaches models to obey conservation of energy, fluid flow, and material stress. The storyline follows three recurring settings—a regional power grid, an offshore drilling head, and a 2000-hectare almond farm—to prove the concept across energy, manufacturing, and agriculture.Readers watch plain neural nets stumble when they predict outputs that break physics, then see PENN correct the error with loss penalties and custom layers that bake in the Navier-Stokes, Hooke, and Fourier equations. In benchmark tests the approach lifts predictive accuracy by up to 30 percent while trimming training energy by two-thirds. Case walk-throughs document a 25 percent cut in turbine downtime, a 50 percent reduction in drilling vibration peaks, and a 15 percent saving in irrigation power.Special features include code snippets ready to paste into PyTorch, side-by-side plots that compare raw and physics-aware outputs, and full-color schematics that trace data from sensor to dashboard. Each chapter ends with a one-page readiness checklist so teams can turn lessons into pilots without stalling in proof-of-concept limbo. A consistent American spelling palette avoids cross-Atlantic edits.By the final page a plant manager, data scientist, or graduate student can design, train, and deploy a model that predicts real-world behavior without ignoring the rules of nature. The payoff is lower energy bills, fewer unplanned shutdowns, and a faster path to net-zero targets—results that speak to both profit and sustainability.&nbsp;

This book shows how to weld deep learning to the laws that govern heavy-industry assets. Instead of treating sensor readings as detached numbers, the book teaches models to obey conservation of energy, fluid flow, and material stress. The storyline follows three recurring settings—a regional power grid, an offshore drilling head, and a 2000-hectare almond farm—to prove the concept across energy, manufacturing, and agriculture.Readers watch plain neural nets stumble when they predict outputs that break physics, then see PENN correct the error with loss penalties and custom layers that bake in the Navier-Stokes, Hooke, and Fourier equations. In benchmark tests the approach lifts predictive accuracy by up to 30 percent while trimming training energy by two-thirds. Case walk-throughs document a 25 percent cut in turbine downtime, a 50 percent reduction in drilling vibration peaks, and a 15 percent saving in irrigation power.Special features include code snippets ready to paste into PyTorch, side-by-side plots that compare raw and physics-aware outputs, and full-color schematics that trace data from sensor to dashboard. Each chapter ends with a one-page readiness checklist so teams can turn lessons into pilots without stalling in proof-of-concept limbo. A consistent American spelling palette avoids cross-Atlantic edits.By the final page a plant manager, data scientist, or graduate student can design, train, and deploy a model that predicts real-world behavior without ignoring the rules of nature. The payoff is lower energy bills, fewer unplanned shutdowns, and a faster path to net-zero targets—results that speak to both profit and sustainability.

The Next Frontier of Artificial Intelligence

Physics-Informed Neural Networks for Industrial Applications

Demis Hassabis, DeepMind and the Quest for Superintelligence

The Infinity Machine

Information Technology and Global Governance

AI has moved from science fiction to the core of modern governance. It has become increasingly integrated into city governance, public services, policymaking, and crisis management, leaving public managers to navigate efficiency gains alongside accountability gaps and algorithmic bias.
 AI for Better Government
 —
 Essential Insights for Academics and Practitioners
 addresses this tension by treating AI governance as a living ecosystem. It also takes an innovative, interdisciplinary, and international approach to explore the rapidly evolving role of AI in public policy and management worldwide.
 
 Written from a pracademic perspective, this book brings together global leading academics and practitioners. Drawing on case studies and real-world examples, it equips readers with tools needed to navigate the complexities of AI adoption for better government outcomes. Each chapter ends with “Questions for Reflection” to fuel active learning and organizational readiness audits. Whether you are a student entering public service, a policymaker weighing decisions, or a researcher mapping digital governance, this book meets you wherever you are.
 Wendy D. Chen
 is Associate Professor of Public Administration at Texas Tech University, USA. She serves as chair of the Section of Science and Technology in Government of American Society of Public Administration (ASPA) and on the AI Task Force of the Network of Schools of Public Policy, Affairs, and Administration (NASPAA).&nbsp;

AI has moved from science fiction to the core of modern governance. It has become increasingly integrated into city governance, public services, policymaking, and crisis management, leaving public managers to navigate efficiency gains alongside accountability gaps and algorithmic bias.
 AI for Better Government
 —
 Essential Insights for Academics and Practitioners
 addresses this tension by treating AI governance as a living ecosystem. It also takes an innovative, interdisciplinary, and international approach to explore the rapidly evolving role of AI in public policy and management worldwide.
 
 Written from a pracademic perspective, this book brings together global leading academics and practitioners. Drawing on case studies and real-world examples, it equips readers with tools needed to navigate the complexities of AI adoption for better government outcomes. Each chapter ends with “Questions for Reflection” to fuel active learning and organizational readiness audits. Whether you are a student entering public service, a policymaker weighing decisions, or a researcher mapping digital governance, this book meets you wherever you are.

Essential Insights for Academics and Practitioners

Artificial Intelligence for Better Government

Contributions to Economics

Artificial intelligence is not just transforming the economy; it is fundamentally redefining the core principles of economic theory.
From the Phillips Curve to portfolio optimization, and from the Laffer Curve to Lewis’s dual-sector model, the core frameworks that have shaped economics for over a century are now evolving through intelligent machines, algorithms, and data-driven decision-making. In this work, Tshilidzi Marwala reanalyzes 18 fundamental principles of economic thought, such as demand and supply, rational choice, information asymmetry, mechanism design, agency theory, comparative advantage, growth, governance, and market efficiency, from an AI perspective.
Drawing on economics, artificial intelligence, finance, public policy, and global governance, the book explains how AI is changing productivity, labor markets, inflation, competition, taxation, and the relationships between states, companies, and citizens. It shows that traditional ideas based on scarcity, human labor, limited rationality, and static institutions are gradually being replaced by a modern economic framework driven by intelligent capital, algorithmic coordination, and autonomous systems. The outcome is a comprehensive and timely framework for understanding the political economy of the AI era, detailed in analysis, globally oriented, and essential for policymakers, scholars, business leaders, and anyone seeking to understand how intelligence is becoming the primary driver of economic transformation.

Artificial intelligence is not just transforming the economy; it is fundamentally redefining the core principles of economic theory.From the Phillips Curve to portfolio optimization, and from the Laffer Curve to Lewis’s dual-sector model, the core frameworks that have shaped economics for over a century are now evolving through intelligent machines, algorithms, and data-driven decision-making. In this work, Tshilidzi Marwala reanalyzes 18 fundamental principles of economic thought, such as demand and supply, rational choice, information asymmetry, mechanism design, agency theory, comparative advantage, growth, governance, and market efficiency, from an AI perspective.
 Drawing on economics, artificial intelligence, finance, public policy, and global governance, the book explains how AI is changing productivity, labor markets, inflation, competition, taxation, and the relationships between states, companies, and citizens. It shows that traditional ideas based on scarcity, human labor, limited rationality, and static institutions are gradually being replaced by a modern economic framework driven by intelligent capital, algorithmic coordination, and autonomous systems.
 
 The outcome is a comprehensive and timely framework for understanding the political economy of the AI era, detailed in analysis, globally oriented, and essential for policymakers, scholars, business leaders, and anyone seeking to understand how intelligence is becoming the primary driver of economic transformation.

How AI Rewrites Theory, Markets, and Policy

Intelligent Economies

Algorithmic Management: Artificial Intelligence and the Transformation of Organizations is the first comprehensive textbook designed to prepare management students to engage critically and responsibly with artificial intelligence in organizations. Bringing together classical management theory, contemporary AI applications, and systematic power analysis, the book equips future managers to both harness AI's potential and confront its risks.Structured in three parts, the book begins with foundational frameworks-socio-technical systems theory, technology and society perspectives, and core management theories reinterpreted for the AI era. It then examines applications across all major management functions-Marketing, HR, Finance, Operations, Supply Chain, and Strategy-using over 30 real-world case studies drawn from different industries, parts of the world, and types of organizations from multinational corporations to nonprofits and social ventures. The final section addresses organizational design, leadership, governance, and the future of algorithmic organizations. Throughout, pedagogical features-learning objectives, vignettes, discussion questions, toolkits, and ethical dilemmas-make the book classroom-ready and adaptable across MBA, undergraduate, and executive education settings. The text advances an approach of pragmatic criticality: AI is neither celebrated uncritically nor rejected outright but treated as a socio-technical phenomenon requiring managerial judgment, ethical reflection, and contextual awareness.By bridging management theory, functional practice, and critical perspectives, this book fills a critical market gap and is positioned to become the definitive teaching resource on AI and management for business education worldwide.

Artificial Intelligence and the Transformation of Organizations

Algorithmic Management

Turn enterprise AI into a source of strategic insight, not just productivity gains.The AI Gap by leading AI expert and keynote speaker Richard Foster-Fletcher shows business and technology leaders how to unlock greater value from enterprise AI by changing the structures, processes and culture surrounding it. Organizations invest in AI expecting new intelligence and transformative insights. Yet AI is often introduced through procurement, security, legal and compliance systems designed for standard software, restricting its potential before it can deliver on that promise. This book explains why this gap persists and what organizations must change to close it. You'll learn how to: - Identify organizational barriers limiting the value of AI - Move beyond productivity-focused AI implementation - Create conditions where AI can generate deeper insights - Enable employees to explore, experiment and challenge established thinking &gt;The AI Gap equips leaders to rethink AI implementation, create space for experimentation and turn artificial intelligence into a powerful driver of organizational insight and long-term business value. Themes include: enterprise AI, AI implementation, AI strategy, business transformation, organizational culture, AI innovation

How Business Decisions Expand What AI Can Do

The AI Gap

Agentic AI läutet eine neue Ära ein: KI-Systeme, die autonom planen, entscheiden und handeln, verändern die Unternehmenskommunikation grundlegend. Dieses Buch zeigt, wie KI-Agenten dort strategisch eingeführt und verantwortungsvoll genutzt werden können.Von der Klassifizierung von Agenten über konkrete Use Cases aus der Praxis bis hin zu Bewertung, Governance-Anforderungen und Teamstrukturen – führende Stimmen aus Wissenschaft und Praxis liefern fundierte Orientierung für eines der zentralen Transformationsthemen der Branche. Im Zentrum steht das „Betriebssystem 2030“: ein Zielbild für Kommunikationsteams, die Entscheidungen, Prozesse und Rollen neu ordnen müssen.Der Inhalt<ul><li>Agentic AI – Definition, Klassifizierung und Abgrenzung</li><li>Agentic AI als neue Zielgruppe</li><li>Rollen im Human-AI Newsroom: Wie Teams sich neu aufstellen</li><li>Das Target Operating Model als Gestaltungsrahmen für die KI-transformierte Kommunikationsfunktion</li><li>Auswahlkriterien für den Einsatz von Agentic AI</li><li>Messung des Erfolgs agentischer KI in der Unternehmenskommunikation</li><li>Recht und Compliance bei Agentic AI in der Unternehmenskommunikation</li><li>Use Cases in der Praxis: Krisenkommunikation, Journalismus, Investor Relations</li><li>Stimmen aus der Praxis</li><li>Betriebssystem 2030. Kommunikation als orchestriertes System</li></ul>Die HerausgeberMartin Regnet ist Senior-Experte für digitale Unternehmens- und Finanzkommunikation und leitete die Kommunikation und Investor Relations führender Industrieunternehmen. Er begleitet Kommunikationsteams bei der KI-Transformation und leitet die Fokusgruppe Agentic AI der Arbeitsgemeinschaft CommTech.Christof Schmid ist Leiter der CommTech Academy und Gründer der KI-Beratung Hi Story Consulting. Als Redner, Berater und Trainer für AI Strategy &amp; Enablement hilft er mit Vorträgen, Workshops und Implementierungsprojekten Unternehmen und Führungskräften dabei, die KI-Transformation erfolgreich zu meistern. Der ehemalige Kommunikationsleiter von Twitter Deutschland ist zudem Co-Host von AI Insights Briefing dem Podcast rund um KI und Kommunikation.

Agentic AI läutet eine neue Ära ein: KI-Systeme, die autonom planen, entscheiden und handeln, verändern die Unternehmenskommunikation grundlegend. Dieses Buch zeigt, wie KI-Agenten dort strategisch eingeführt und verantwortungsvoll genutzt werden können. Von der Klassifizierung von Agenten über konkrete Use Cases aus der Praxis bis hin zu Bewertung, Governance-Anforderungen und Teamstrukturen – führende Stimmen aus Wissenschaft und Praxis liefern fundierte Orientierung für eines der zentralen Transformationsthemen der Branche. Im Zentrum steht das „Betriebssystem 2030“: ein Zielbild für Kommunikationsteams, die Entscheidungen, Prozesse und Rollen neu ordnen müssen.

KI-Agenten als Betriebssystem für Kommunikationsteams der Zukunft

Agentic AI in der Unternehmenskommunikation

The Rise of Cashless Economies. Benefits and Risks

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