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Ideas for an Alternative Monetary Future

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Ideas for an Alternative Monetary Future

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Financial Innovation

economic development, Kenya, M-PESA, mobile money, Poverty Alleviation
Banking Regulation, Digital Money, Financial Innovation

Cashing Out of Poverty

Scott Burns/December 22, 2016June 19, 2022 /1 Comment

Financial innovations like mobile money have gained fame for transforming commerce in the developing world. But they’re also helping the poor escape poverty. In an earlier post, I showed how over the past few years M-PESA and other kinds of “mobile money” have made sending money across…

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Bray Hammond, financial innovation, FinTech, Kenneth Rogoff, private clearinghouses
Banking Regulation, Financial Innovation, Free Banking

The Perils of Financial Over-Regulation

George Selgin/October 25, 2016June 19, 2022 /15 Comments

Last Friday, I gave the opening remarks at the International Finance Corporation's annual FinTech CEO Summit — a meeting of many of the top executives involved in developing cutting-edge alternatives to conventional means for raising capital and making payments, among other things. Because the event wasn't recorded,…

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Bank of Dave, crowdfunding, Dave Fishwick, peer to peer lending, UK banking regulation
Banking Regulation, Financial Innovation, Free Banking

Bank of Dave

Kevin Dowd/September 27, 2016June 19, 2022 /9 Comments

Tom Clougherty’s recent Alt-M post on competition (or the lack thereof) in UK banking nicely highlights the problem posed by barriers to entry into the British banking industry. That there is indeed an entry problem should be obvious from the fact that Metro Bank, which opened in…

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development finance, M-PESA, mobile money, permissionless innovation, Safaricom
Digital Money, Financial Innovation, Free Banking

Finance for All: Kenya's M-PESA

Scott Burns/June 28, 2016June 19, 2022 /3 Comments

A surprising aspect of modern life in Africa is that, thanks to the telecom deregulations of the early 2000s, cell phones are as pervasive in its Sub-Saharan savannahs as they are in the urban jungles of the United States.  More intriguingly still, African mobile network operators (MNOs)…

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Blockchain, Capital Requirments, Chinese banking, FinTech, P2P, Lending
Financial Innovation, Financial Markets, Free Banking

What China Can Teach Us About the Future of Banking

Julien Noizet/May 11, 2016June 19, 2022 /10 Comments

A few weeks ago, Citi published a quite fascinating 100-page report on financial innovations, from blockchain to P2P lending, in various regions of the world.  It’s a highly recommended and very comprehensive reading that I won’t be able to summarize in a short blog post. From this…

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About Us

Welcome to Alt-M, a community devoted to exploring and promoting ideas for an alternative monetary future. Our goal is to reveal the shortcomings of today’s centralized, bureaucratic, and discretionary monetary arrangements, and to bring serious consideration of real alternatives to the center stage of current monetary and financial reform debates.

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