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O'Dwyer R: Tokens

Tokens

The Future of Money in the Age of the Platform

Renowned economist Josh Ryan-Collins provides the ideal pedagogical resource for anyone concerned with the major role central banks play in shaping all of our economic opportunities and daily lives. This book provides a concise, authoritative overview of the history and stated purpose of central banks. With critiques of principles and actions that have emerged since the 2008 crash, Ryan-Collins's own and others' proposals offer a solution of how to reform them. In a clear, easy-to-follow structure, it offers historical-normative descriptions of the evolution and role of central banks alongside "myth-busting" chapters explaining the salient critiques of, and proposed alternatives to, principles at the heart of central-bank thinking. Along the way, it covers the major issues preoccupying critical central banking studies and political economics today, including housing inequalities, climate change, digital currencies, and the potential impact of artificial intelligence.

Financial Policy for an Age of Polycrisis

Rethinking Central Banking

A Plain English Guide to Thinking Globally and Investing Wisely: The life-changing personal finance and investment bestseller

How to Own the World

Buying a home with low credit or past credit mistakes is not impossible - but misinformation makes it feel that way.
FHA Loans for Borrowers with Low Credit or Past Credit Issues is a clear, empowering guide designed to show borrowers how FHA loans actually work - not how people assume they work. This book breaks down FHA underwriting in plain language, replaces fear with facts, and gives readers a realistic roadmap to homeownership even after late payments, collections, charge-offs, or credit setbacks.
Unlike generic mortgage advice, this book explains the real-world decisions underwriters make, how timing and preparation affect approval, and why many borrowers are denied simply because they apply with the wrong lender or strategy.

Whether you were told "no" before, are rebuilding credit, or just want to understand your options before applying, this book shows you how to move forward with confidence - not guesswork.
In this book, you'll learn:How FHA looks beyond credit scores and evaluates real borrower behavior
When late payments, collections, and charge-offs actually matter - and when they don't
How debt-to-income ratios really work for FHA borrowers
Why lender overlays cause unnecessary denials (and how to avoid them)
How manual underwriting can approve loans automated systems reject
Smart credit rebuilding strategies designed specifically for FHA approval
How to structure cash, down payments, gift funds, and closing costs
What to do after approval to protect your loan and build long-term leverage



This is not a promise of instant approval.
It is a practical, honest guide to becoming ready - and getting approved the right way.
If you've ever felt locked out of homeownership because of your credit, this book was written for you.

How to Get Approved with FHA Even with Late Payments, Collections, or a Low Credit Score

FHA Loans for Borrowers with Low Credit or Past Credit Issues

Sustainable Finance

This edited book explores the intersection of inclusivity, ethics, and innovation in the financial sector. It examines the impact of global and regional regulations, highlighting both compliance challenges and opportunities for innovation. The book discusses strategies for making financial services accessible to underrepresented groups, the role of emerging technologies like AI and blockchain in shaping regulatory practices, and the importance of ethical standards and strong governance. It also discusses the progress of global standardization efforts and offers guidelines for developing inclusive financial policies. Real-world case studies and practical tools are provided to help apply these concepts in the real world.

Navigating Regulatory Frameworks and Technological Advancements

Regulation and Inclusivity in Finance and Accounting

Joan Subirats questions whether the necessary space, resources, and will exist for scientific knowledge to play a relevant role in political and social debates. He analyzes the extent to which its functions can complement those of citizens, public officials, and representatives of diverse interests, and what scope exists for exploring new solutions to persistent problems.

La Brecha Entre Saber Y Hacer

Principles of Fintech is designed to prepare upper-level undergraduate and postgraduate business and financial management students to innovate with the latest financial technology. It combines real-world examples, critical reflection and applied frameworks for students to understand how to use Fintech creatively and responsibly in their future careers. This textbook: -Introduces the fundamentals of Fintech, including the technology and business models underpinning it -Covers the use of key technologies, such as generative AI and blockchain, as well as the applications of Fintech from digital payment to insurance (InsurTech) and wealth and asset management (WealthTech), &gt;Principles of Fintech bridges the gap between technology, finance and strategy, with real-world examples from both successful and failed Fintech initiatives. This textbook includes key pedagogical features such as learning objectives, chapter summaries and reflective questions to challenge students to apply theory into practical contexts. Additional online resources include lecturer slides, suggested classroom activities, discussion question prompts, and regularly updated real-world examples and further reading.

Financial Technology, Business Models and Strategic Innovation

Principles of Fintech

In Illiberal Law and Development, Susan H. Whiting advances institutional economic theory with original survey and fieldwork data, addressing two puzzles in Chinese political economy: how economic development has occurred despite insecure property rights and weak rule of law; and how the Chinese state has maintained political control amid unrest. Whiting answers these questions by focusing on the role of illiberal law in reassigning property rights and redirecting grievances. The book reveals that, in the context of technological change, a legal system that facilitates reassignment of land rights to higher-value uses plays an important and under-theorized role in promoting economic development. This system simultaneously represses conflict and asserts legitimacy. Comparing China to post-Glorious Revolution England and contemporary India, Whiting presents an exciting new argument that brings the Chinese case more directly into debates in comparative politics about the role of the state in specifying property rights and maintaining authoritarian rule.

Property Rights and Conflict Over Land in China

Illiberal Law and Development

Bulletins from the Front Line, 2021-2025

Equality Is a Struggle

This book provides an in-depth analysis of the reintroduction and recovery of the Mexican wolf in the American Southwest, with a particular focus on the role of the Federal judiciary. Edward A. Fitzgerald contends that federal courts have played a critical role in facilitating the species' return, primarily through their interpretation of statutory law - most notably, the Endangered Species Act (ESA). The courts rejected challenges from the livestock industry, reaffirmed Federal authority over the recovery process, and struck down certain Federal regulations that hindered effective wolf management. However, Fitzgerald argues that the judiciary also made significant missteps. Federal courts upheld revised Mexican wolf management regulations and recovery plans that failed to meet the ESA's requirement to rely on the "best available science." Additionally, the courts issued inconsistent rulings concerning the construction of border barriers. While they blocked the Trump administration's unauthorized transfer of funds for wall construction, they repeatedly and erroneously upheld the Secretary of Homeland Security's waiver authority. This authority permitted border wall construction to proceed in violation of Federal, state, and local laws - actions Fitzgerald claims exceeded statutory limits and violated the nondelegation doctrine. Providing a comprehensive and detailed examination of the legal challenges surrounding the Endangered Species Act and the recovery of the Mexican gray wolf, this book will be of interest to legal scholars, policymakers, and conservation advocates.

Lobo Returns from Limbo

Mexican Gray Wolves, Courts, and the Border Wall

Routledge Studies in North American Politics

Speaking to wider debates of U.S. foreign policy and grand strategy, its interests and motivations in International Relations and International Political Economy, and processes of regionalism with regard to political-economic integration. NAFTA-land Security present a clear, important and original argument to all those struggling with how best to understand the overall policy aims that drive U.S. thinking, and how they relate to global trends and developments in U.S. foreign policy.

North America is increasingly an integrated economic hub, and Canada and Mexico are important to the U.S. (and vice versa) in terms of energy security, trade, cross-border production, and more. This has made regional security and stability more strategically important than the already high level it had attained through geography. In order to understand North America’s growing strategic significance, we need to take a closer look at U.S. policy within the region. In this book, Paul Ashby examines how U.S. now considers North America, defined regionally as the countries within the North American Free Trade Agreement (NAFTA), as a distinct and strategically important economic and security space. Through closer examination of several policy programs with both Canada and Mexico, Ashby demonstrates how the U.S. is actively constructing a regional, North American security architecture based around, but also operating within NAFTA’s perimeters. He contends that increased regional economic integration and important interdependencies spurred by NAFTA are driving, and that these were given far greater impetus by the events and regional impacts of 9/11. North America’s growing strategic importance to the U.S. has encouraged it to take regional security more seriously. Speaking to wider debates of U.S. foreign policy and grand strategy, its interests and motivations in International Relations and International Political Economy, and processes of regionalism with regard to political-economic integration. NAFTA-land Security present a clear, important and original argument to all those struggling with how best to understand the overall policy aims that drive U.S. thinking, and how they relate to global trends and developments in U.S. foreign policy.

Armoring NAFTA, or Abandoning it?

Contemporary U.S. Approaches to North American Regionalism

Urban Future-Making

In an era of rapid change and growing uncertainty, we are facing an urgent question: How can cities be built for futures that defy prediction? The contributors to this volume tackle this challenge by exploring the role of contingency in urban future-making. Through a range of case studies, they examine relevant aims, strategies, and decision-making processes in both past and present contexts. They reveal how unexpected events and unpredictable factors unsettle established urban conditions but also spark new ideas and possibilities for rethinking and reshaping the city. The volume shows how urban future-making involves navigating highly uncertain environments and extreme conditions, opening new spaces of knowledge and action.

In an era of rapid change and growing uncertainty, we are facing an urgent question: How can cities be built for futures that defy prediction? The contributors to this volume tackle this challenge by exploring the role of contingency in urban future-making. Through a range of case studies, they examine relevant aims, strategies, and decision-making processes in both past and present contexts. They reveal how unexpected events and unpredictable factors unsettle established urban conditions but also spark new ideas and possibilities for rethinking and reshaping the city. The volume shows how urban future-making involves navigating highly uncertain environments and extreme conditions, opening new spaces of knowledge and action.

Pitfalls, Potentialities, and Transformative Practices

Contingencies in Urban Future-Making

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