In the United States, we now take our ability to pay with plastic for granted. In other parts of the world, however, the establishment of a "credit-card economy" has not been easy. In countries without a history of economic stability, how can banks decide who should be given a credit card? How do markets convince people to use cards, make their transactions visible to authorities, assume the potential risk of fraud, and pay to use their own money? Why should merchants agree to pay extra if customers use cards instead of cash?
In Plastic Money, Akos Rona-Tas and Alya Guseva tell the story of how banks overcame these and other quandaries as they constructed markets for credit cards in eight postcommunist countries. We know how markets work once they are built, but this book develops a unique framework for understanding how markets are engineered from the ground up—by selecting key players, ensuring cooperation, and providing conditions for the valuation of a product. Drawing on extensive interviews and fieldwork, the authors chronicle how banks overcame these hurdles and generated a desire for their new product in the midst of a transition from communism to capitalism.
The greater freedom is to be who you actually are; to be able to live your life in the way you deem best, free from any sort of restriction to do that, or fear of repercussions for doing so.
Egyptian-born and London-raised, Alya Mooro grew up between two cultures and felt a pull from both. Where could she turn for advice and inspiration when it seemed there was nobody else like her? Today, Mooro is determined to explore and explode the myth that she must identify either as 'Western' or as one of almost 400 million other 'Arabs' across the Middle East.
Through countless interviews and meticulous research, as well as her own unique experience, Mooro gives voice to the Middle Eastern women who, like her, don't fit the mould. Women under pressure to conform to society's ideals of how a woman should look and behave, what she should want and be. Women who want to think and act and love freely, without feeling that every choice means 'picking a side'. Women who are two things at once and, consequently, neither.
Part memoir, part social exploration, this is a book for anyone who has ever felt like an outsider.
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