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The Pay Off: How Changing the Way We Pay Changes Everything - Gottfried Leibbrandt and Natasha De Terán

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 ISBN: 978-1-78396-606-6 Verdict:  👍👍 👍 What got my attention when I was scanning this book, before diving into it, was a statement on page 13 ; “ Cash aside, all payments today are therefore digital debt entries recorded in a ledger system that was invented centuries ago; an antique practice made modern by dancing bits and bytes that animate digital ledgers deep within computer systems .”  The statement spoke volumes and set the tone of the book which explores the current and future payment systems and the entry of digital enablers.   While reading this book, my highlighter was not spared especially as it provides several snippets of valuable information all wrapped below the trade-off between  liquidity, risk and the convention which acts as  theme through the book around payment systems.   My favourite section was chapter 14 - How to steal a billion: fraud and theft.   Below are some snippets from the book which I found valuable. “ But then money and cash are bot the same thing –