“Cashless” will help you thrive in our shared digital currency future

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Who should read this book? & Why should I read it?

Worried about predicting and navigating the cashless future coming to the West—and the world?

Will your company be tempted by the potential benefits of using China’s CBDC to make cross-border payments?

Do you live in the EU, UK, Japan and India who are all developing digital currencies? Is the US next?

What are Central Bank Digital Currencies and how does China’s provide a roadmap for our shared cashless future?

Think banks and financial services are going to stay the same when your country goes cashless?

How will digital payment change your relationship with money and promote financial inclusion?

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The USA’s top banking regulator read Cashless

I can neither confirm nor deny that I am an advisor to one of the top banking regulators in the USA!

They were impressed with Cashless, and sought additional knowledge and insights on China’s astounding fintech developments relative to the US.

The outcome:

“We need to get our people thinking more like China’s on digital finance”

US top banking regulator

What they’re saying

Brett King

Richard Turrin has had the unique experience of watching China’s fintech, payments and digital currency revolution from ground zero. It’s why Cashless may come as a shock to US regulators, bankers and media, because it clearly articulates just how significantly far behind they are. If you want to see the future of the cashless world, read this book

Australianbanker, the author of several books about the banking industry and the co-founder and CEO of Moven, a New York-based mobile banking startup.

Spiros Margaris

Rich’s social media posts and analysis on China’s AI, Fintech, and digital currency trends provide me always with great business insights. He has a clear view of how China’s innovation and regulation will affect domestic and global businesses for years to come.

Spiros Margaris / Margaris Ventures, Ranked Global No. 1 Finance Influencer by Refinitiv (Thomson Reuters) & Ranked Global No. 1 Fintech, AI, Blockchain Influencer by Onalytica

Dr. Lauren A. Johnston

Easy to read, despite covering very complex issues comprehensively. The best and only introduction to China’s digital payments and currency world – which will affect us all over coming decades.

Research Associate, SOAS China Institute, London; Founder New South Economics

Arcady Lapiro

From extensive use of QR codes to Super Apps, China’s Fintech impact is already here… As CEO of a “Bank as a Service” platform, keeping an eye on the trends in China helps me be on the leading edge of innovation. Reading Richard Turrin is a must today if you want to know what’s coming ahead from China!

CEO & Founder Agora Services, Member Forbes Finance Council

Federico Torreti

Rich captures how digital currency can spin the flywheel for China’s new digital trade platforms. He shows how trade partners not only gain access to digital currency, but likewise to new digital services. This book stakes out how digital currency will change our world.”

Head of Products, Amazon

Albert Borowiecki

There are no other books covering China’s digital currencies on the market. The book’s narration is smooth and delivers tons of important information on China’s payment systems and how they relate to the West. Plenty of facts with no political overtones.

Senior Analyst at Contemporary China Studies Institute

Quotes to help in your quest to understand digital currency

"China’s CBDC will not disrupt the financial world with its launch in domestic markets. Disruption won’t occur until its first use settling an international trade —that will be the day when the SWIFT messaging system falls silent and the revolution begins23."

"What pundits are missing regarding the digital RMB is that it’s not a play to replace the dollar in international financial markets. Instead, it may be considered a digital entry token to a new kind of trade platform, specially designed to facilitate trade with China."

"From a privacy perspective, compared to existing digital payment systems, the benefits of CBDCs far outweigh the disadvantages. Those who say that CBDCs have privacy shortcomings aren’t necessarily wrong. But complaining that privacy is lost with CBDCs implies that you had more privacy with the systems they replace."

“A single burning question will preoccupy my peers at the outset: “Can China’s new digital RMB replace the dollar as a reserve currency?” It’s certainly an interesting question, but frankly, to my mind, it’s the wrong one. ”

“The regulator’s response to Ant’s IPO is far too frequently viewed in isolation. Instead, it should be seen as a direct result of the P2P crisis. Regulators shell-shocked from P2P could not bear to sit idly by and run the risk, however remote, of repeating the same mistake. “

“China’s position as the world’s largest exporter gives it a tremendous advantage when promoting its new digital currency. It already has a large captive market, and even modest increases in its use within trade can bring about considerable changes in the digital RMB’s international stature.”

6 Reasons Why You Need Cashless

1 Digital Currency is coming Learn how it works and how to adapt to payment designed for a digital world. 2 Get ready to go “cashless.” Learn how going “cashless” changes your relationship with money and your clients. 3 China’s digital currency may be in your future Know why using China’s new e-CNY might be profitable for you and your business.

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4 The status quo in payment won’t last. Current payment systems aren’t as state-of-the-art as you think. 5 China’s new digital RMB will challenge the dollar. See how the digital RMB will challenge the US dollar without using currency markets. 6 China’s experience is your advantage. Learn what happened in China so you have an action plan for going “cashless.”

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Cashless was inspired by work and interaction with…

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