Winner of best book by a foreign author (2019) at the Business Book of the Year Award organised by PwC Russia The future of banking is already here — are you ready? Bank 4.0 explores the radical transformation already taking place in banking, and follows it to its logical conclusion. What will banking look like in 30 years? 50 years? The world’s best banks have been forced to adapt to changing consumer behaviors; regulators are rethinking friction, licensing and regulation; Fintech start-ups and tech giants are redefining how banking fits in the daily life of consumers. To survive, banks are having to develop new capabilities, new jobs and new skills. The future of banking is not just about new thinking around value stores, payment and credit utility — it’s embedded in voice-based smart assistants like Alexa and Siri and soon smart glasses which will guide you on daily spending and money decisions. The coming Bank 4.0 era is one where either your bank is embedded in your world via tech, or it no longer exists. In this final volume in Brett King’s BANK series, we explore the future of banks amidst the evolution of technology and discover a revolution already at work. From re-engineered banking systems, to selfie-pay and self-driving cars, Bank 4.0 proves that we’re not on Wall Street anymore. Bank 4.0 will help you: Understand the historical precedents that flag a fundamental rethinking in banking Discover low-friction, technology experiences that undermine the products we sell today Think through the evolution of identity, value and assets as cash and cards become obsolete Learn how Fintech and tech “disruptors” are using behaviour, psychology and technology to reshape the economics of banking Examine the ways in which blockchain, A.I., augmented reality and other leading-edge tech are the real building blocks of the future of banking systems If you look at individual technologies or startups disrupting the space, you might miss the biggest signposts to the future and you might also miss that most of we’ve learned about banking the last 700 years just isn’t useful. When the biggest bank in the world isn’t any of the names you’d expect, when branch networks are a burden not an asset, and when advice is the domain of Artificial Intelligence, we may very well have to start from scratch. Bank 4.0 takes you to a world where banking will be instant, smart and ubiquitous, and where you’ll have to adapt faster than ever before just to survive. Welcome to the future.

The doctrine discussed in this manual is nested with ADP 3-0, Operations, and describes the sustainment warfighting function. The endurance of Army forces is primarily a function of their sustainment and is essential to retaining and exploiting the initiative. Sustainment provides the support necessary to maintain operations until mission accomplishment. The relationship between sustainment and operation is depicted in introductory figure-1 on page vi.Sustainment must be integrated and synchronized with operations at every level to include those of our joint and multinational partners. Sustainment depends on joint and strategic links for strategic airlift, sealift, intratheater airlift, and strategic and theater-level supply support. Sustainment depends on our host nation (HN) partners to provide infrastructure and logistics support necessary to ensure both maneuver forces and followon sustainment are delivered to right place, at the right time, and in an operable condition.

What is the case for adding the unconventional balance sheet policies used by major central banks since 2007 to the standard policy toolkit? The record so far suggests that the new liquidity providing policies in support of financial stability generally warrant inclusion. As the balance sheet policies aimed at macroeconomic stability were used only by a small number of highly credible central banks facing a lower bound constraint on conventional interest rate policy, they are not relevant for most central banks or states of the world. Best practices of these policies are documented in this paper.

• Chapter wise and Topic wise introduction to enable quick revision. • Coverage of latest typologies of questions as per the Board latest Specimen papers • Mind Maps to unlock the imagination and come up with new ideas. • Concept videos to make learning simple. • Latest Solved Paper with Topper’s Answers • Previous Years’ Board Examination Questions and Marking scheme Answers with detailed explanation to facilitate exam-oriented preparation. • Examiners comments & Answering Tips to aid in exam preparation. • Includes Topics found Difficult & Suggestions for students. • Dynamic QR code to keep the students updated for 2021 Exam paper or any further CISCE notifications/circulars

This volume covers all the large wheeled outside frame classes of 4-4-0 tender Locomotives, that once ran on the Great Western Railway.The book has full details on each of the classes with good quality pictures, diagrams names, and number lists.This work is also very useful to model makers, giving full details of mechanical and livery changes that took place from the 1900s through to the early 1930, when all except the preserved 3440, City of Truro, were withdrawn and scrapped.

• Chapter wise and Topic wise introduction to enable quick revision. • Coverage of latest typologies of questions as per the Board latest Specimen papers • Mind Maps to unlock the imagination and come up with new ideas. • Concept videos to make learning simple. • Latest Solved Paper with Topper’s Answers • Previous Years’ Board Examination Questions and Marking scheme Answers with detailed explanation to facilitate exam-oriented preparation. • Examiners comments & Answering Tips to aid in exam preparation. • Includes Topics found Difficult & Suggestions for students. • Dynamic QR code to keep the students updated for 2021 Exam paper or any further CISCE notifications/circulars