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"This is not a book about charismatic visionary leaders. It is not about visionary product concepts or visionary products or visionary market insights. Nor is it about just having a corporate vision. This is a book about something far more important, enduring, and substantial. This is a book about visionary companies." So write Jim Collins and Jerry Porras in this groundbreaking book that shatters myths, provides new insights, and gives practical guidance to those who would like to build landmark companies that stand the test of time.

Drawing upon a six-year research project at the Stanford University Graduate School of Business, Collins and Porras took eighteen truly exceptional and long-lasting companies -- they have an average age of nearly one hundred years and have outperformed the general stock market by a factor of fifteen since 1926 -- and studied each company in direct comparison to one of its top competitors. They examined the companies from their very beginnings to the present day -- as start-ups, as midsize companies, and as large corporations. Throughout, the authors asked: "What makes the truly exceptional companies different from other companies?"

What separates General Electric, 3M, Merck, Wal-Mart, Hewlett-Packard, Walt Disney, and Philip Morris from their rivals? How, for example, did Procter & Gamble, which began life substantially behind rival Colgate, eventually prevail as the premier institution in its industry? How was Motorola able to move from a humble battery repair business into integrated circuits and cellular communications, while Zenith never became dominant in anything other than TVs? How did Boeing unseat McDonnell Douglas as the world's best commercial aircraft company -- what did Boeing have that McDonnell Douglas lacked?

By answering such questions, Collins and Porras go beyond the incessant barrage of management buzzwords and fads of the day to discover timeless qualities that have consistently distinguished out-standing companies. They also provide inspiration to all executives and entrepreneurs by destroying the false but widely accepted idea that only charismatic visionary leaders can build visionary companies.

Filled with hundreds of specific examples and organized into a coherent framework of practical concepts that can be applied by managers and entrepreneurs at all levels, Built to Last provides a master blueprint for building organizations that will prosper long into the twenty-first century and beyond.

• Sales Rank: #9675070 in Books
• Published on: 2002
• Original language: English
• Binding: Paperback

Amazon.com Review
Built to Last became an instant business classic. This audio abridgement is read by the authors, who alternate chapters. Collins is a bit breathlessly enthusiastic, but clear and interesting; Porras, unfortunately, is poorly inflected and wooden. They set out to determine what's special about "visionary" companies--the Disneys, Wal-Marts, and Mercks, companies at the very top of their game that have demonstrated longevity and great brand image. The authors compare 18 "visionary" picks to a control group of "successful-but-second-rank" companies. Thus Disney is compared to Columbia Pictures, Ford to GM, and so on.

A central myth, according to the authors, is that visionary companies start with a great product and are pushed into the future by charismatic leaders. Usually false, Collins and Porras find. Much more important, and a much more telling line of demarcation between a wild success like 3M and an also-ran like Norton, is flexibility. 3M had no master plan, little structure, and no prima donnas. Instead it had an atmosphere in which bright people were not afraid to "try a lot of stuff and keep what works."

If you listen to this audiocassette on your daily commute, you may discover whether you are headed to a "visionary" place of work--and, if so, whether you are the kind of employee who fits your employer's vision. (Running time: two hours, two cassettes) --Richard Farr

From Library Journal
What makes a visionary company? This book, written by a team from Stanford's Graduate School of Business, compares what the authors have identified as "visionary" companies with selected companies in the same industry. The authors juxtapose Disney and Columbia Pictures, Ford and General Motors, Motorola and Zenith, and Hewlett-Packard and Texas Instruments, to name a few. The visionary companies, the authors found out, had a number of common characteristics; for instance, almost all had some type of core ideology that guided the company in times of upheaval and served as a constant bench mark. Not all the visionary companies were founded by visionary leaders, however. On the whole, this is an intriguing book that occasionally provides rare and interesting glimpses into the inner workings and philosophical foundations of successful businesses. Recommended for all libraries.
Randy L. Abbott, Univ. of Evansville Lib., Ind.
Copyright 1994 Reed Business Information, Inc.

From Booklist
No tables, charts, or obfuscatory language interfere with the presentation and development of consultants Collins and Porras' premise that visionary companies withstand tests of time and fads. On the basis of five years of research, they pinpoint six characteristics of the best American institutions: (1) premier in their industry, (2) widespread admiration from businesspeople, (3) multiple generations of CEOs, (4) an indelible imprint on society, (5) multiproduct (or multiservice) cycles, and (6) pre-1950 roots. The authors' findings confirm a few management theories but contest many others. More important, they demonstrate the hows of good management in detail, with readable case histories (IBM, Merck, Motorola, Walt Disney, among others) and studies of contrasting corporations, and they include guidelines for those striving for long-lasting success. Barbara Jacobs

Most helpful customer reviews

1 of 1 people found the following review helpful.
this book will undoubtably inspire you to reach great heights.
By Joshua M.
[book:Built to Last: Successful Habits of Visionary Companies|4122] was one of the first business books I've ever read. At the time, as an aspiring entrepreneur, James C. Collins spoke volume to me and how I should structure an everlasting company. Written by two Stanford University's Graduate School of Business professors, the level of knowledge and experience they jointly possess will exceed your expectations. The main point of the book is to either identify your business as a "clock builder" or a "time teller." Time tellers focus on being the loudest and most disruptive companies, while clock builders are more reserved and focus on growth and preserving their core values for centuries into the future. As a well researched book might indicate, the authors provide a tremendous amount of detail on what makes companies such as Coca-Cola, Citi Bank, Wal-Mart, Walt Disney, Nordstrom, stand the test of time. These companies have been active in our lives for generations and they reveal exactly how they have endured, and how they will continue to endure for many generations to come. Whether you are an entrepreneur, owner, middle management or a salesmen, this book will undoubtably inspire you to reach great heights.

0 of 0 people found the following review helpful.
A Must Read for the CEO
By Edward J. Barton
Anyone tasked with the daunting responsibility of running an organization is faced with the challenge of culture. In the event that you are the "lucky" successor to a founder or a turn-around situation (my professional scenarios all have been in this realm), the task of what to do, where to go, and how to get there are huge - the culture is either well established, failing, and needs to change, or the culture may have been one of personality, facing a vacuum, and needs to be institutionalized. Collins and Porras look at a series of companies that have transcended this challenge and have developed a visionary culture that withstands the test of time.

Summarizing the basic themes:

* Be an architect and clock builder and design and develop a vision that stand the test of time
* Embrace the "Genius of AND." - do not accept difficult trade-offs and strive for the near impossible
* Preserve the core/stimulate progress - Develop, hone and ruthlessly protect core values, and innovate around that core
* Seek consistent alignment - Align all stakeholders to the vision of the organization and continue to insure alignment

Unlike some of the challenges faced by the companies chosen by Tom Peters in "In Search of Excellence", a 25 year run on Collins book finds many of his study subjects still in the forefront of their industries. Collins is definitely onto something, and is one of the more engaging writers of the genre. Definitely worth the read.

0 of 0 people found the following review helpful.
picture a vision for your own unique case harnessed with verified principles...
By Utkan Uluçay
It is not a how-to book. It is not suggesting receipes for your own case to succeed. Rather it is explaining what visinoary companies did different than control group companies (still remarkably successfull compared to sectoral averages). You need to extract your lessons which suits to your spesific case.
I believe that this a good approach. It acknowledges that your case is unique. It also recognizes yourself as capable and willing to progress, hence inspires you about possible vision. In case you need to be convinced you could follow cases or quotations from the research.
This is another good feature because you have the chance to skip sections that %100 agree with author. It makes you fast to read whole book.
I like the coinciding ideas of visionary companies and TOC literature. You could find marks of Blue Ocean Strategies as well in the book.
I feel energized and motivated to feel "do something, now, I can, no need tobe CEO!"

See all 346 customer reviews...

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[R260.Ebook] Ebook The Real Vitamin and Mineral Book, 4th edition: The Definitive Guide to Designing Your Personal Supplement Program, by Shari Lieberman, Na

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With more than 300,000 copies in print, The Real Vitamin & Mineral Book is a trusted resource for people seeking to make sense of the plethora of information about nutritional supplements. Now in its fourth edition, this book provides up-to-date scientific validation for the use of dietary supplementation in both the treatment and prevention of disease and for overall optimum health-the very facts that are not made available to consumers when they purchase supplements.

In this fully revised and updated fourth edition, readers will find:

- complete usage and dosage recommendations for the twenty-eight basic vitamins and minerals that every person needs to promote health and to slow aging;
- advanced recommendations for special conditions that may require additional supplementation; and
- quick-reference charts and tables for easily updating supplement regimens.

With clear, understandable explanations, the most current scientifically documented nutrient guidelines, and easy-to-follow charts, The Real Vitamin & Mineral Book is concise and to the point-the only resource readers will need.

• Sales Rank: #172752 in Books
• Size: 1
• Color: Paperback,
• Brand: Book
• Published on: 2007-05-03
• Released on: 2007-05-03
• Original language: English
• Number of items: 1
• Dimensions: 8.98" h x 1.12" w x 6.09" l,
• Binding: Paperback
• 448 pages

About the Author
Nancy Bruning is the author or coauthor of more than twenty books, including The Real Vitamin & Mineral Book and The Natural Health Guide to Antioxidants.
Shari Lieberman, Ph.D., CNS, FACN, a certified nutrition specialist (CNS), is a faculty member at the University of Bridgeport, School of Human Nutrition. She runs a private practice as a clinical nutritionist in New York City, where she frequently counsels women on weight loss. She is also well known to viewers of QVC, where she sells her own line of weight-loss supplements for women on an exclusive basis.

Most helpful customer reviews

2 of 2 people found the following review helpful.
About to become my "Bible" of nutrition
By Allen Smalling
This review is of the fourth edition of THE REAL VITAMIN AND MINERAL BOOK, 2007. There are lots of books in the market about vitamin and mineral supplementation but this one makes a better case than most that Americans, on the whole, should be taking a lot more vitamin and mineral supplements. For one thing, says author/researcher Shari Lieberman, the FDA's RDI's (until recently RDA's) are defensive measures designed to guard against certain diseases but not to enhance health. For instance, the suggested amount of B vitamins we need are calculated to keep beriberi, rickets and pellagra at bay, when many other health benefits accrue by taking more of these substances. For another, those usually minuscule RDI amounts are calculated for an imaginary genderless human being of about 160 lbs, truly a statistical straw person. Worse yet, the quality of the food we Americans eat is steadily eroding under the impact of over-processing, fast food, and soils weakened by generations of chemical (nitrogen-based) fertilizers.

So basically the author dispenses with the "common wisdom" along the lines of "Eat a good balanced diet every day and if you like, take a multivitamin-mineral supplement." Lieberman patiently discusses the role of every vitamin of human use and most of the minerals. This book held a lot of surprises for me. Did you know that Niacin (Vitamin B3) can help lower blood cholesterol? It is even called the "best-kept secret in American medicine," especially when so many people are taking vastly more expensive statins to lower their LDL's. (Many people take both Niacin and statins, and shrug and smile when the doctor credits only the precription drug for any improvement in blood cholesterol.) And men -- before you go to the doctor with complaints of a swollen prostate gland (which may be "BPH", benign prostate hypoplagia), try getting more zinc into your diet.

What I like most about THE REAL VITAMIN AND MINERAL BOOK is its intellectually honesty. Lieberman backs up her advocacy by discussing the most recent and relevant studies of vitamins and minerals. Usually her suggested doses of vitamins and minerals are many times the government's straw-man RDI amounts, but really you have to read this book. Someimes the amounts of supplementation for a particular substance is about the same or a little more than the government recommends; and in at least one case I can think of (phosphorus), she recommends no supplementation at all; i.e., nothing compared to the FDA's RDI of a small dose.

So the reader has to pay attention -- gorging on multivitamins, B-complex vitamins and fish oil may do us more harm than good. Also, frequently, the form in which a nutrient gets to us is key. To help reduce cholesterol Vitamin B3 (Niacin) has shown to be helpful, but it needs to be taken in the form of "straight" Niacin, not the Niacinamide that usually winds up in multivitamin or B-complex pills. But ingesting the straight Niacin can lead to a flushing effect -- to counter that, it is necessary to take an aspirin half an hour before taking the straight Niacin (an easy habit for those of us who practice "daily vitamin therapy" of a small aspirin tablet each morning), OR to pay extra for "flush-free" Niacin. This book is packed with such helpful strategies and approaches, which make good common sense and are based on scientific data.

In fact, THE REAL VITAMIN AND MINERAL GUIDE has quickly become my "go-to" book about the benefits of the various nutrients discussed in them (there are also a few herbals the author discusses and approves of). If the recommendations in this book continue to work for me as well as they have for the past several months of implementation, it may well become my "bible" of greater health. Highly recommended. This book has a history of slipping in and out of print, so don't be afraid to go for a good used copy as long as it is fairly recent.

18 of 20 people found the following review helpful.
Beware!
By djonn
I bought this book to round out my knowledge of supplements. I have been taking supplements for 15 years based on the advice of my dietician and have purchased many books on the topic in the interim (my favourite that of Phyllis Balch's).

This book frightened me. The author did not inform the readers in her book about the side effects of the supplements. I found this irresponsible. For example, I was surprised that she did not mention that too much vitamin A causes overt psychosis, liver damage and even death (the reason that the Inuit who traditionally ate bear meat never ate its liver, a fact corroborated decades ago by science), that too much vitamin D can cause hypercalcemia, that D-Ribose, a substance extracted from mastic, spurs action from the ovaries (Yemenite jews traditionally used it for women's fertility) and should be used with caution by women taking conventional fertility treatments and menopausal women and patients in hospital have gone into toxic shock when mistakenly overdosed with magnesium through the magnesium pump. The assertion that any side effects caused by over-supplementation are reversible by just ceasing supplementation is ludicrous and dangerous! There are just too many examples of lack of full disclosure of side effects to list.

I wanted a book that would round out my knowledge but this book to me felt like a big push to buy, buy, buy supplements. Although Shari Lieberman advocated cancer prevention and treatment through supplementation in this book, she herself died of cancer at age 51. Beware!

0 of 0 people found the following review helpful.
The book was so full of great information that I wanted to have a copy of ...
By Earl W. Armstrong
I checked it out of the local library first just to see if it fit my informational needs. The book was so full of great information that I wanted to have a copy of my own so I could mark it up as I read it. To my surprise, there was an updated version with more than 80 extra pages. I write on health issues so I will include it as a resource for my readers. Understanding vitamins and minerals and their synergistic relationships to the various metabolic mechanisms going on all the time inside the body is clearly examined in this well written, well researched book. I'd recommend it to anyone wanting to understand the whole picture of what brings about good health.

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• Published on: 2015-11-27
• Original language: Spanish
• Number of items: 1
• Dimensions: 9.00" h x .59" w x 6.00" l, .78 pounds
• Binding: Paperback
• 260 pages

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[Z380.Ebook] Fee Download On the Art of Writing Copy: Third Edition, by Herschell Gordon Lewis

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What Are You Planning to Write? YOU HAVE IT ALL RIGHT HERE Everything You Need to Write More Powerful, More Profitable Copy It’s the MasterWork by the World’s Master Copywriter. If you have any interest in the power of the written word or any control over what those words are supposed to accomplish…you’re about to choose the right book. Herschell Gordon Lewis, internationally recognized as the number-one copywriter in the world, has made this book his magnum opus. In these pages, you’ll find: How to write ""killer"" e-mail copy. How to avoid spam filters and still sell with power. Simple, effective rules for letter writing. When to use envelope copy and what to say. How broadcast copy differs. Why some of the old rules don’t work any more. How to write an effective guarantee. It's all here for you in simple, straightforward language. TWO HUGE BONUSES! Bonus 1: Here are hundreds of examples, some excellent and some so stupid you’ll wonder how they ever made it into print, on the air, or through the computer. Bonus 2: Here are more than 100 specific rules copy professionals use to grab and sell readers, viewers, and listeners. Far and away the most complete, most comprehensive, and, yes, the most useful handbook and guide to copywriting ever published, this will be the most thumbed-through book on your shelf because by any criterion it’s The Bible of Copywriting. Enjoy it. Use it. Profit from it.

• Sales Rank: #912009 in Books
• Brand: Brand: Racom Communications in conjunction with the Direct Marketing Association
• Published on: 2003-09-17
• Original language: English
• Number of items: 1
• Dimensions: 11.00" h x 1.00" w x 8.50" l, 2.47 pounds
• Binding: Paperback
• 397 pages

Features

• Used Book in Good Condition

Review
...a book for writers, written by one of the greatest advertising copywriters of all time. -- Ray Schultz, DIRECT, Sept. '03

...you’re in the company of an absolute original. This is his best yet and that...is no mean feat. -- Jane Revell-Higgins, Publisher, ECMOD

A practitioner is nuts not to acquire this classic--and memorize it! -- Denny Hatch

About the Author
Herschell Gordon Lewis is one of the leading copywriters of the past half-century. He is author of 26 books, including Marketing Mayhem, The Advertising Age Handbook of Advertising, Selling on the Net, and Sales Letters That Sizzle. Mr. Lewis has written for many trade publications, including Direct, Direct Marketing Magazine, Selling, 1 to 1, Direct Marketing News, and is the copy columnist for Catalog Age. He also has addressed advertising and marketing audiences around the world. In 2003 he was inducted into the Direct Marketing Hall of Fame

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7 of 7 people found the following review helpful.
Tops on the Copywriter's "must read" list
By Monty Rainey
There are a ton of books available about how to write copy, and you will learn something from just about any of them. But in that vast array of titles, few do what THE ART OF WRITING COPY by Herschell Gordon Lewis does. This book, if studied and closely followed, will keep the copywriter from writing BAD copy.

Lewis meticulously guides the student through the process of things to avoid doing. Whatever grand idea you've come up with, chances are very good, Mr. Lewis has something to say about it in this book.

If you're like me, many times throughout this book, you'll feel as if Lewis is pointing his rather sarcastic finger directly at you as he uncovers mistakes I know I've made in the past, and probably you have too. But that's okay. The whole purpose of reading such books is to study the craft and hone our skills, right? Sometimes it takes someone like Herschell Lewis to point out our mistakes so we don't keep making them.

Usually in a book like this, I can single out one or two chapters as "favorites." Here, not so much. I loved the whole thing from cover to cover. The format is great, leaving ample margin space for note-taking. There are countless examples of good and mostly bad ad examples to illustrate the points covered. Along the way, the pages are laden with tips, rules and in-your-face quips.

I hesitate to even mention chapters 26 & 27, which are composites of the major lessons covered in the preceding 25 chapters. Please, do yourself a favor. Read the book in its entirety and don't get lazy and skip to the back. You'll lose much of the flavor of the lessons.

This is not a book for someone looking for their first volume on copywriting. Read some of the other fine volumes available first. You are invited to check out my profile where you will find my listmania list "freelance commercial writing 101" that details other volumes to start your study. Read the basics first, then treat this one as "second-tier" study. But by all means, definitely do not delve too deeply into the profession without first studying this volume in detail. This is one of the very best copywriting volumes available.

11 of 11 people found the following review helpful.
A useful book, though some fat could be trimmed.
By Kristin T. Horowitz
This book is an excellent resource for any writer, professional or not. It gives insight into audience, word selection, and proper (his interpretation) style of writing. Learn the conventions so that when it comes down to breaking them, you will do so KNOWING it, instead of accidentally doing so.

That said, the placement of the graphics was odd, almost never fitting on the page in which they are used to illustrate the point and causing more work for the casual reader. Much of his point goes beyond making it and into flogging it.

That said, the book is darn useful, and will continue to be so for a while. It's timely and fashionable.

2 of 2 people found the following review helpful.
Save Yourself $500 ... Buy This Book!
By Mike Ruman
I recently spent $500 on an online copy writing course. I should have spent the $20 on this book first, and saved myself $480.

PROS
- Showing you what good copy can do (with many pictures to prove the point)
- Copywriting A to Z (they cover everything)

CONS
- This book is a bit dated. The lessons are timeless, but the examples are pretty old.

Buy the book, you won't be let down.

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[A402.Ebook] Fee Download Virtual Banking: A Guide to Innovation and Partnering (Wiley Finance), by Dan Schatt

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Technology is permanently transforming the banking industry, and digital payments are the key

Electronic Payments, Mobile Commerce, and Virtual Banking: A Guide to Innovation, Partnering, and Regulation takes a hands-on approach to competing in the modern banking environment. Former PayPal Head of Financial Innovation Dan Schatt explores the reasons behind the massive consumer migration away from traditional banks, and provides clear, actionable guidance on beating new banking models at their own game. Digital payment is the hottest topic in banking today, and is set to define the future of the industry.

Consumers are rapidly abandoning traditional banks in favor of institutions that are lower-cost and more consumer-centric. Between the pace of financial regulatory reform and the cloud computing revolution, the old banking model is on the fast track to extinction. Electronic Payments, Mobile Commerce, and Virtual Banking provides the information banks need to compete in this new environment, and details the integral implementation actions that will allow them to thrive. The book discusses real-world innovations from banks, non-banks, and up and comers, and the heavy competition from the new outsource bank model. Topics include:

• The changing POS landscape and the need for digital wallet partnerships
• Shifting gears to greenfield market opportunities versus non-profitable markets
• Digital channel best practices for superior customer experience
• When to outsource, and what capabilities to truly own

Case studies including PayPal, Google, Square, Facebook, Twitter, and more illustrate acceleration of innovation through banking partnerships, as well as the mechanics behind banking's biggest, scariest threats. The trick to surviving the paradigm shift is to embody innovation while providing a superior customer proposition. Electronic Payments, Mobile Commerce, and Virtual Banking: A Guide to Innovation, Partnering, and Regulation provides the inside track on managing the shift and dominating the new marketplace.

• Sales Rank: #394512 in Books
• Published on: 2014-07-21
• Original language: English
• Number of items: 1
• Dimensions: 9.30" h x .80" w x 6.40" l, .0 pounds
• Binding: Hardcover
• 240 pages

From the Inside Flap

Consumers are rapidly abandoning traditional banks in favor of institutions that are lower cost and more consumer-centric. Between the pace of financial regulatory reform and the cloud computing revolution, the old banking model is on the fast track to extinction.

Virtual Banking: A Guide to Innovation and Partnering offers a hands-on approach to understanding and competing in the modern electronic banking environment. Written by Dan Schatt—the former Head of Financial Innovation for PayPal—this vital resource explores the reasons behind the massive consumer migration away from traditional banks and provides clear, actionable guidance for beating the new banking models at their own game.

Virtual Banking is filled with the information and tools needed to compete in the burgeoning electronic, mobile, and virtual environments and details how to implement the proven strategies that will lead to success. The book discusses real-world innovations from banks, non-banks, and emerging platforms, and explains the changing point-of-sale landscape and the need for digital wallet partnerships. Schatt shows how to identify and shift gears to green field market opportunities and veer away from unprofitable markets. In addition, the book outlines the digital best practices that will ensure superior customer experiences and keep consumers coming back for more. The author also includes information on when to outsource and what capabilities are best to own.

The book is filled with illustrative case studies from such industry leaders as PayPal, Google, Square, and Facebook. These examples clearly show the acceleration of innovation through banking partnerships, as well as the mechanics behind banking’s most credible threats. The trick to surviving the paradigm shift is to embody innovation while providing a superior customer value proposition.

Virtual Banking gives bankers and anyone determined to tap into the power of digital payments the inside track on managing the shift and dominating the new marketplace.

From the Back Cover

Praise for Virtual Banking

“Dan deeply understands how technology is changing the future of money, and his book couldn’t be timelier. From digital wallets to digital currencies, technology-driven innovation is reshaping how we pay, how we shop, and how we bank. Dan’s insight and expertise makes this a must-read guide to the trends shaping electronic payments, mobile commerce, and virtual banking.”
—John Donahoe, President and CEO, eBay Inc.

“Schatt has managed to capture the incredible breadth and pace of innovation in payments and offers up practical advice for harnessing it to power winning consumer finance businesses. This book is an essential guide to forming the next-generation partnerships that are required for building powerful consumer experiences.”
—Jennifer Tescher, President & CEO, CFSI

“Unfortunately, most bankers and payments professionals find the transition to the new state extremely difficult. Tons of consumer choice, frantic innovation, and completely new ways of thinking about the old problems of banking and payments. Dan puts forward a great case for collaboration with the innovators and has filled his book with detailed examples and use cases that illustrate the gap emerging between the new players and the incumbents. A great read, meticulously researched.”
—Brett King, Four-time Amazon Bestselling Author; Founder and CEO of Moven

“The financial services industry is being challenged unlike any other time in history—which is why Schatt's book is an absolute must-read for those looking for guidance on why and how to innovate. It offers an in-depth look into all factors shaping the changes banks must adapt to today and in the future.”
—Peter Aceto, President and CEO of Tangerine (formerly ING DIRECT Canada)

“An extraordinarily insightful look into the future of digital banking. Dan Schatt’s new book is a wake up call for all banks today. Platforms and cooperation—in payments and beyond—are central to their future success.”
—Laurent Desmangles, Partner and Managing Director, The Boston Consulting Group

“The world is changing faster than ever, but more importantly, client expectations are rising just as quickly. Dan Schatt does an incredible job of laying out why the financial industry needs to adapt and then lays out concrete steps on how it can do so. Practical advice and interviews from some of the best in the world at innovating in financial services is the icing on the cake.”
—Nate Wehunt, SVP and Digital Channels Head, City National Bank

“Dan has put together a thoughtful and comprehensive overview of today’s complex landscape of payments and electronic banking opportunities. Of even greater value, Dan gives practical advice on innovation and strategic partnering from an experienced insider perspective. This collection of concise and insightful real life case studies is a must read for any bank or fintech executive planning for their future success in the industry revolution already under way.”
—John Schulte, SVP/Chief Information Officer, Mercantile Bank of Michigan

“In Virtual Banking, Dan Schatt has done something I would have said was impossible: he has delivered insights that will be useful to both practitioners in the field and to theorists and visionaries; he has written a book that serves executives and technologists within financial institutions as well as entrepreneurs building solutions in the fintech space. Schatt culls lessons directly from interviews with the players on the field, as well as his own insights from PayPal and elsewhere, to create an up-to-the-minute report from the frontlines of financial services innovation.”
—Matt Harris, Managing Director, Bain Capital Ventures

About the Author

DAN SCHATT is the former Head of Financial Innovations for PayPal, responsible for defining and executing on PayPal's initiatives with the financial services industry. Schatt has also been an advisor to CGAP, part of the World Bank, and an industry analyst with Celent. Prior, he worked in the Financial Institutions Group at Citigroup. He currently serves as Chief Commercial Officer for Stockpile.

Most helpful customer reviews

1 of 1 people found the following review helpful.
A must-read book for anyone in banking!
By Jonathan Knoll
This book is indispensable for anyone in the banking industry trying to 'reimagine' how future business models of banks must evolve - and what role new partnerships will play in those business models. In fact, a central theme of the book is that in order to innovate in the new reality of a digitally-centric world, banks must view partnering as a core competency.

The book gives a very comprehensive overview of the key trends and developments shaping the industry today while providing many detailed examples and use cases. Particularly compelling is the fact that the author gives ample space to the views of others to explain in their own words how they see the industry evolving. There is a lot of insight to be garnered from this book!

And all of this gives perfect context to how banks must approach next-generation partnerships to win the hearts and minds of today's customers.

1 of 1 people found the following review helpful.
Great listen from Audible! Buying a desk copy too
By Mark Grabb
I listened to this book on Audible. The author's primary focus is consumer banking and how the technology born from the consumer internet (cloud, mobile, big data, and more) are enablers for the innovation we have already seen and sets the stage for the transformation yet to unfold. The book starts with level setting and landscaping, establishing a strong framework for the guidance provided in the latter chapters. The author's guidance is as good as gold, or perhaps even better, large tallies of math-based currency. I highly recommend this book for banks and institutions regulated by The Federal Reserve, fintech startups, any entity in between, or any consumer wondering where your world is heading.

0 of 0 people found the following review helpful.
This provides a great overview of the numerous financial technology companies that are ...
By Lucy
This provides a great overview of the numerous financial technology companies that are disrupting traditional banking models. It's a bit of a "sales pitch" from the author and others featured in the book, all of whom are invested in a fintech, as they're called, but it's definitely worth reading to learn about the possibilities of partnerships between traditional banks and where technology is taking the industry.

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From Holly Black and Cassandra Clare comes the third installment in the New York Times bestselling series that defies what you think you know about the worlds of good and evil.

• Sales Rank: #1999 in Books
• Published on: 2016-08-30
• Released on: 2016-08-30
• Original language: English
• Number of items: 1
• Dimensions: 8.30" h x 1.00" w x 5.60" l, .0 pounds
• Binding: Hardcover
• 256 pages

Review
Praise for Magisterium Book One: The Iron Trial:

* "A thrilling coming-of-age story that embraces fantasy tropes while keeping readers guessing." -- Publishers Weekly, starred review

"A promising beginning to a complex exploration of good and evil, as well as friendship's loyalty." -- Kirkus Reviews

"The Iron Trial is a fun, heroic narrative... A delicious must-read." -- The Globe & Mail

"This is an incredible book... Once you've started reading, it's hard to put the book down." -- The Guardian

About the Author
Holly Black is the #1 New York Times bestselling author of The Spiderwick Chronicles (with Tony DiTerlizzi) and the Newbery Honor-winning novel Doll Bones. Her other books include The Good Neighbors graphic novels, and the novels The Darkest Part of the Forest, Tithe, Valiant, and Ironside. She currently lives in the realm of Western Massachusetts.

Cassandra Clare is the author of City of Bones, the first book in The Mortal Instruments trilogy and a New York Times bestseller. Her latest series, The Infernal Devices, has spawned three #1 bestsellers. Born overseas, Cassandra spent her early years traveling around the world with her family and several trunks of books. She lives in Massachusetts.

Most helpful customer reviews

8 of 8 people found the following review helpful.
Good, short read; solid continuation of the series
By Nicholas McNary
The Bronze Key is the third installment for The Magisterium series. It is a powerful addition to the series, and I had been waiting for it and purchased it on the day it came out. With that, keep in mind that this little review is from the point of view of a fan of the series.

This book feels a tad shallow, to be honest. It's writing is light, just a bit too light, and only hints at deeper themes. That's also not a bad thing, because the intended audience is clearly a younger one; perhaps just a few years younger than a Harry Potter audience. It's also terribly short, though that might just be due to the fact that I read through it in one sitting, eating up each page excitedly.

The story, however, is deliciously unique and deliciously interesting. Even as an adult, I find that I love it. This sequel has managed to continue that. A new, intriguing character is introduced-- Anastasia, a mysterious Assembly Mage who seems obsessed with white-- and current characters get more fleshed out. We learn more about Alex, are shocked by criminal acts, feel our trust betrayed, and ultimately follow the story, riveted, because it is interesting.

So it's a good book. I won't go into too much depth, because who needs to read spoilers? But if you've read the first two, and you're fine with the writing being just a bit light (I would personally /love/ this series written with a lot more exposition and depth, but to each their own), then this book will be excellent for you. Particularly if you want to see a bit more of the dynamic for Callum and Aaron, who actually seem to interact more and better in this book than the previous ones.

1 of 1 people found the following review helpful.
Short and fun middle grade fantasy read.
By Karissa Eckert
This is the third book in the Magisterium series which is planned to have five books in it. This was an excellent continuation of the Magisterium series, I really enjoyed this book a lot. This has been a well done middle grade fantasy series which both me and my 9 year old son enjoy.

We see a lot more of Call and Aaron wielding their Makar talents in this book and learn a lot more about Chaos magic. Call isn’t questioning his evilness quite as much but is still struggling with the idea that he is the soul of an evil mage reborn.

Much of the story is focused on Call, Aaron, and Tamara trying to track down a spy in the school...a spy who may also be a murderer. Some interesting secrets are revealed about Call’s past and Aaron is struggling with what it means to be a Makar.

Overall this is a quick and fun read and I enjoyed it a lot. These characters are fun and engaging and the story takes some unexpected turns throughout. I think fans of middle grade fantasy will enjoy this series a lot. I love the elemental magic in it and how well the writing flows. I am looking forward to see what happens in book four.

0 of 0 people found the following review helpful.
Although not as good as previous books and ends on a annoying cliffhanger
By Rebecca
Although not as good as previous books and ends on a annoying cliffhanger, still the over all story has kept me engaged and coming back for more. I am starting to take issue with the nature of the books ending unresolved in any reasonable way. I did not really have that problem with the first ones, but this one didn't end. It just dropped you off in the middle of the story like the season end of a tv series. At this point, although I still like the overall story and honestly cannot predict where it is going, I don't want to keep reading books that never end. I also have hesitations in recommending this book for younger students as it is getting very very dark and I am not sure that would be appropriate for their age group. Still, this is the first time the story has "dipped" like this so I am reserving judgement on the whole series until I read the next one.

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Following the success of Lean In and Why Women Should Rule the World, the authors of the bestselling Womenomics provide an informative and practical guide to understanding the importance of confidence—and learning how to achieve it—for women of all ages and at all stages of their career.

Working women today are better educated and more well qualified than ever before. Yet men still predominate in the corporate world. In The Confidence Code, Claire Shipman and Katty Kay argue that the key reason is confidence.

Combining cutting-edge research in genetics, gender, behavior, and cognition—with examples from their own lives and those of other successful women in politics, media, and business—Kay and Shipman go beyond admonishing women to "lean in."Instead, they offer the inspiration and practical advice women need to close the gap and achieve the careers they want and deserve. 

• Sales Rank: #6017 in Books
• Published on: 2014-04-15
• Released on: 2014-04-15
• Original language: English
• Number of items: 1
• Dimensions: 9.00" h x .89" w x 6.00" l, .90 pounds
• Binding: Hardcover
• 256 pages

Review
“The Confidence Code belongs in the bagof every woman in America. It combines groundbreaking scientific research and firsthand accounts from the world’s most powerful woman.” (Joanna Coles, Editor-in-Chief, Cosmopolitan)

“How do we make the most of our talents, skills, and interests? This book demonstrates that it’s not enough to know what we’re doing; our confidence is a key factor in our success. Fascinating reading for every woman who wants to take her life to the next level.” (Gretchen Rubin, author of The Happiness Project)

“All too often, even the most successful women have indicated that their confidence is fleeting or domain-specific. The gifted authors who were behind Womenomics prove that can change. Discover how you can specifically develop that enduring sense of self-assurance in this remarkable book.” (Marshall Goldsmith, author of the international bestseller What Got You Here Won't Get You There)

“Kay and Shipman shine a perceptive light on the crucial role that confidence plays in the ability of women to succeed. They offer women practical advice and the vision of a more hopeful future.” (Sheryl Sandberg, COO of Facebook, and author of Lean In)

“Kay and Shipman provide a great blueprint for raising daughters….All of this research, as well as the authors’ own recounting of experiences with doubt in their professional lives, effectively builds into a comprehensive set of ingredients for the confident woman.” (Publishers Weekly)

“An insightful look at how internalizing cultural stereotypes can hold women back from competing with men.” (Kirkus)

“[Kay and Shipman] have written an enlightening, fascinating book that explains the relationship between confidence, resilience, risk and reward….This book can definitely help you learn to boost your confidence.” (Success)

“[Kay and Shipman dive] into tons of fascinating research and stats that are worth reading…[b]ut most importantly, the book provides some seriously actionable advice from some of the most successful women in the world (authors included).” (Self.com)

From the Back Cover

Confidence. We want it. We need it. But it can be maddeningly enigmatic and out of reach. The authors of the New York Times bestseller Womenomics deconstruct this essential, elusive, and misunderstood quality and offer a blueprint for bringing more of it into our lives.

Is confidence hardwired into the DNA of a lucky few—or can anyone learn it? Is it best expressed by bravado, or is there another way to show confidence? Which is more important: confidence or competence? Why do so many women, even the most successful, struggle with feelings of self-doubt? Is there a secret to channeling our inner confidence?

In The Confidence Code, journalists Katty Kay and Claire Shipman travel to the frontiers of neuroscience on a hunt for the confidence gene and reveal surprising new research on its roots in our brains. They visit the world's leading psychologists who explain how we can all chose to become more confident simply by taking action and courting risk, and how those actions change our physical wiring. They interview women leaders from the worlds of politics, sports, the military, and the arts to learn how they have tapped into this elemental resource. They examine how a lack of confidence impacts our leadership, success, and fulfillment.

Ultimately, they argue, while confidence is partly influenced by genetics, it is not a fixed psychological state. That's the good news. You won't discover it by thinking positive thoughts or by telling yourself (or your children) that you are perfect as you are. You also won't find it by simply squaring your shoulders and faking it. But it does require a choice: less people pleasing and perfectionism and more action, risk taking, and fast failure.

Inspiring, insightful, and persuasive, The Confidence Code shows that by acting on our best instincts and by daring to be authentic, women can feel the transformative power of a life on confidence.

About the Author

Katty Kay is the Washington, DC, anchor for BBC World News America. She is a regular guest on NBC's Meet the Press and MSNBC's Morning Joe. She lives in Washington, DC, with her husband and four children.

Claire Shipman is a correspondent for ABC News and Good Morning America, covering politics, international affairs, and women's issues. She lives in Washington, DC, with her husband, two children, and a new puppy.

Most helpful customer reviews

87 of 91 people found the following review helpful.
The Confidence Code
By GrannyJo
I would like to see everyone who teaches even one girl, young woman, adult female, etc. read this book. We need, desperately, to change the way women think of themselves. It took nearly 80 years for me to gain the self-confidence that my brothers seem to have inherited along with other genes. We must do better. There is a great deal of evidence to support my contention that our mental capacity is as good as or greater than our male counterparts. Let's do whatever is necessary to keep our females acting this truth. This book is a great beginning! Jo Seier-Doofe

147 of 159 people found the following review helpful.
It's not a total waste, but not very helpful
By Bpollen
I'm suspicious of some of the five star reviews of this book. If you check out their total reviews, for many this is their only review, and for others, they have just 2 or 3 reviews, all 5 star. And they gush a bit too much about this book. I'm having difficulty getting through this book because it's boring. It's mainly stories about wealthy, highly educated women, or celebrities, who expressed at some point that they felt lucky or unworthy, etc. There are other things in the book, and it is enlightening in some respects. But it's not geared toward helpful advice for the average woman. I agree with the several other reviews for this book that say much the same thing as I am saying. It's not a total waste of money, and if the stats apply to you, you may find it more applicable to yourself.

I did find one thing in the book that I am using, which is that women apologize all the time, whether it's justified or not. I've noticed that I do the same, so am trying to alter this. The response has not been great. The problem is, and perhaps the reason why, women appear to lack confidence and apologize, is because the response when they don't do that is not good. The goal is to get certain things, whether it's a job or a raise or congeniality in the office. I believe that women have learned how to win the end game through experience, and that experience has shown that the best way to do this is to APPEAR more subserviant and pleasant than you are. I saw a documentary once about how girl toddlers & boy toddlers are treated differently, and wondered why girls cry more than boys. You could see in the test that when girl toddlers cried in a child pen area, they got picked up more often than the boys did when they cried. So the girls learned that to cry is to get the result desired, and boys learned that crying did them no good. So the accomplished women in this book, for all their assertions that they attribute their success to luck or whatever, actually did achieve what they wanted, using precisely the things that this book is saying not to use.

Maybe the book changes a bit in the second half. If so, I'll update this review. Don't get me wrong...it's interesting. Just not a practical guide for the average American woman.

70 of 79 people found the following review helpful.
Zen and the art of confidence
By Cynthia Mckee
My curiosity was piqued immediately. Do I focus on competence over confidence? And what really is confidence anyway. In "The Confidence Code," written with great insight, openness and a thoughtful and measured approach, the authors demystify the value of confidence in the marketplace and in everyday life and why it is some of us have it and some us don't. Mixing the right levels of science, intrigue, example, humor and humility--they even go as far as personal genetic testing to see how they fare on the confidence scale--the reader has all the available wisdom to "crack" the confidence code and better understand its impact on just about everything we do. Personally, I found myself listening to conversations in a different way--did a woman at my table just say "he was acting just like a woman and apologizing for everything all the time" --and thinking about my own effectiveness at work and with people in general. It was surprising. This is definately a book that will be greatly talked about, learned from and enjoyed. I highly recommend it!

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