Amazon.com
For better or worse, most of us have at least one of the 720 million little plastic cards that are used each year to complete $860 billion worth of purchases at 15 million incredibly varied merchant locations throughout the world. This is a far cry from the humble beginnings of these myriad credit, debit, and charge cards, which just a few decades ago were generally a perk offered only to elite customers for the acquisition of fine meals, hotel rooms, department-store goods, and oil-company products. They are now so common and such an integral part of our economy, in fact, that few pay them much mind--a situation that makes David Evans and Richard Schmalensee's Paying with Plastic all the more interesting. Evans, senior vice president of National Economics Research Associates, and Schmalensee, dean of MIT's Sloan School of Management, meticulously trace the history of these cards from both the consumer and merchant perspectives in this surprisingly appealing volume, which will prove enlightening to anyone who ever wondered how plastic money works. --Howard Rothman
Book Description
The payment card business has evolved from its inception in the 1950s as a way to handle payment for expense-account lunches (the Diners Club card) into today's complex, sprawling industry that drives trillions of dollars in transaction volume each year. Paying with Plastic is the definitive source on an industry that has revolutionized the way we borrow and spend. More than a history book, Paying with Plastic delivers an entertaining discussion of the impact of an industry that epitomizes the notion of two-sided markets: those in which two or more customer groups receive value only if all sides are actively engaged. New to this second edition, the two-sided market discussion provides useful insight into the implications of these market dynamics for cardholder rewards, merchant interchange fees, and card acceptance. The authors, both of whom have researched the industry for more than 25 years, also examine the implications of the recent antitrust cases on the industry as well as other business and technological changes -- including the massive consolidation brought about by bank mergers, the rise of the debit card, and the emergence of e-commerce -- that could alter the payment card industry dramatically in the years to come.
Customer Reviews:
Great Overview.......2006-11-05
If you work in the payments, credit card or finance industry this book is great. It has a very easy to read history about credit cards, who knew Diners Club invented the category in the 50's. But more importantly is how the industry is moving forward and progressing.
Overall, this is a book you read if you need to, but I can't imagine anyone outside the industry reading it. You would have to be the most intellecually curious person in the world if you read this cause you were interested in how credit cards work.
Great book!!.......2006-01-04
I loved this book and how the author talks about the fine points of credit cards and how American consumers got hooked into it. A terrific read and it is money well spent, although FREE shipping would have been nice!
What's old will be new again.......2005-10-24
Paying with Plastic first edition has been revamped, rewritten and repositioned here with edition number two.
Most important, Paying with Plastic "2.0" addresses new developments of online payment processing. The authors correctly begin to question the requirement of a merchant set top box for reading "antiquated magnetic stripes".
"Old is new" item #1. Frank McNamara's Diners Club platform would cost about $50,000 to set up today. What's the next mutiny of merchants?
Old is new item #2. Sears starting up Discover and getting to more merchants tha American Express -all within 2 years. Moore's law (doubling within time) would suggest the next Discover would ramp up in less time.
Old is new #3. Industries in decline, lobby best. The payment industry's recently raised interchange rates. Does technology cost more?! No, but growth is stagnant.
Old is new #4. Whoops, John Reed (ex-ceo of Citibank) pulled their Visa membership (p14) and moved the Mastercard logo to the back. Why?! Pull the entire Citi into a closed loop - Citi wanted to be like Amex and Discover. There will be more banks doing this like Chase (Octogon) or MBNA (PayPass).
Old is new #5. Wal-mart as a bank. See Sears above in #2. Wal-marts pays fees to V/MC/D/Amex but they'd rather charge fees and lend money. Why just make $2.00 on the VCR when you can make $10 on the financing. By the way, I like the payment system name, "Wallycard"... just kidding.
A remarkable accomplishment.......2005-07-11
It is a very difficult and ambitious task to write a book about an industry combining indispensable facts and history, fundamental business aspects and subtle economic insights. Yet this is precisely what the authors have done for credit cards, the digital quantum leap in the evolution of payment instruments. It is a very rewarding and fun read, providing the equivalent of a comprehensive 3D animated view of the organization of credit card companies (not-for-profit associations like Visa or for-profit firms like American Express) and of the complex ecosystem that surrounds them: banks, merchants, cardholders, regulators, ATM networks, etc.
And the "lens" of "multi-sided platforms" that Evans and Schmalensee use to conduct their analysis turns out to be so appealing and insightful that one wonders how economists, policy-makers, business people and even casual observers managed to make any sense of this industry before.
Highly Recommended!.......2005-05-09
In this history of payment cards, David S. Evans and Richard Schmalensee provide an amazingly lucid account of a couple of unusual business models: the "two-sided platform," which in the use of payment cards means walking a tightrope between the interests of merchants and consumers; and the "co-opetitive," in which the bank members of MasterCard and Visa cooperate in developing industry practices while competing for business. The authors, who are both former Visa consultants, sound like your favorite college professors - up to date and extremely sophisticated, yet friendly and anecdotal (at one point, they describe a Shell gas station near MIT to make a point about competition among cards). They typically begin chapters with easily understood notions from which they methodically build complex structures of ideas and information. Another virtue of the book is its concreteness - although that occasionally devolves into repetitiveness - starting with an explanation involving electronic signals and following the paper path of what happens when you hand your credit, debit or charge card to a cashier. The authors even consider the design and manufacture of the cards themselves. We recommend this book as essential reading for those in the banking or payment card industries; and it's not a bad idea for card users to read it - which these days means you...and just about everyone else.
Average customer rating:
- Worst Electronics Book for Beginners
- This book is awesome
- The art of electronic
- The Art of Electronics
- Simply the best general electronics/electrical engineering book I've ever seen.
|
The Art of Electronics (Student Manual with Exercises)
T. Hayes
Manufacturer: Cambridge University Press
ProductGroup: Book
Binding: Plastic Comb
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Similar Items:
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Practical Electronics for Inventors
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Getting Started in Electronics
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The Circuit Designer's Companion, Second Edition
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Troubleshooting Analog Circuits (EDN Series for Design Engineers)
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Electrical Engineering 101: Everything You Should Have Learned in School but Probably Didn't
ASIN: 0521377099 |
Book Description
This manual is both a guide and aid to users of The Art of Electronics. It is carefully organized to follow the chapters of the main text, providing extra explanatory notes, worked examples, solutions to selected exercises and laboratory exercises. Learning aids such as glossaries, reading assignments, objectives, data sheets and summaries are also included. The manual is a product of many years' teaching at Harvard University, which has given the authors direct knowledge of concepts that students find difficult. The extra explanatory detail makes this manual an essential purchase for students using The Art of Electronics.
Customer Reviews:
Worst Electronics Book for Beginners.......2007-10-13
Those peoples who give this book four or five starts are people who already understands electronics. But very few beginners buy and use this book and so there are very few reviews from them who would give this book one or two stars. For a beginner, this book is very confusing and lacks examples and exercises with answers.
This book is awesome.......2007-10-10
This book is great with very detailed explanations of everything, and when the theory behind ideas isn't shown there are references to other sources.
The art of electronic.......2007-10-10
I have used this book as my text and reference book regarding my electronic circuits understanding and designing. Eventhough I have used it for several years but I always find more and more information each and everytime I read it. One thing I would like to have it improved is examples and explanation should be on the same page so that reader can refer to pictures easier. Orher than that, it has been a great book so far!
The Art of Electronics .......2007-09-24
Well written and easy to read and comprehend. Emphasis is on understanding basic principles, not on detailed mathematical analysis and proofs. It was last updated more than 20 years ago, but is remarkably current. It is the textbook for the university level music technology electronics course I teach.
Simply the best general electronics/electrical engineering book I've ever seen........2007-08-16
I've never seen anything that comes close. If you're interested in electronics as a hobby or as a career this is the book for you.
Average customer rating:
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Microsoft Excel 2003 (Benchmark Series (Saint Paul, Minn.).)
Nita Hewitt Rutkosky , and
Meredith Flynn
Manufacturer: EMC/Paradigm Publishing
ProductGroup: Book
Binding: Plastic Comb
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ASIN: 0763820490 |
Customer Reviews:
Review.......2007-02-20
I received the book as scheduled but had to return it because it wasn't the one my instructor used for the class. I needed the Specialist/Expert edition which was not offered so I had to go to the bookstore on campus to purchase it.
Book Description
Spreadsheet. Does that word send shivers down your spine? Well, you can’t ignore it if you need to create tables, charts, or lists of information to do your job. Loads of people get it done with the Excel spreadsheet program, but it’s a safe bet that most Excel users don’t know its full potential. You may get by just fine after you learn the basics, but Excel can automate many tasks and save time. You’ll have more time for fun things and may even get out of the office at a reasonable hour.
Excel 2000 For Windows For Dummies Quick Reference is the no-nonsense reference tool for anyone who wants to become more efficient with Excel. Whether you’re new to Excel or a veteran user, you’ll find interesting, time-saving tips and techniques to help you with your project. For example, you can
- Move a chart element in two easy steps
- Save your workbook at a pre-specified interval with the AutoSave feature
- View multiple parts of the same worksheet by splitting panes
- Use the AutoFormat feature to automatically format a table
- Enter decimal points automatically
- Identify formula errors
- Fill in rows or columns – in a flash – with days of the week, months, or years by using the AutoFill Feature
And with more than 16 million cells in a worksheet, you’ll need to know how to navigate like an expert. This straightforward guide shows you how to do this with your mouse or keyboard. Excel 2000 For Windows For Dummies Quick Reference also shows you how to
- Publish your worksheet data to a Web page
- Add a Drawing object to a worksheet
- Work with dialog boxes and all their parts
- Create a custom chart type
- Create and format a Pivot Table
- Perform What-If analyses (scenarios)
Excel 2000 For Windows For Dummies Quick Reference is full of quick, concise information designed to help you get your job done faster and better.
Customer Reviews:
I was so disappointed!!! Not at all what I had expected..........2007-03-13
From the information I read prior to purchase, I inferred that I would learn how to edit spreadsheets I received from others, at least to reformat them. On the back cover, it says: "And you'll get easy-to-spot explanations of how to share worksheets..." I still haven't spotted these explanations.
Also, to me, a book called, "...for Dummies" implied simplicity. This book seemed too advanced for the title.
Better than online help.......2002-08-07
I've been fiddling with Excel for a couple of months now, and this book has made it easier to understand.
Cuts to the chase!.......2000-04-23
Having to learn new versions of data manipulators can be a nightmare when your deadlines are gone before you're given a project -- this gem cuts to the chase! Without a lot of fanfare, tells you exactly what to do, with just enough pictures to let you know you're in the right place. It's filled in a lot of blanks, and I'm now ordering the Access 2000 version. Try it, you'll like it.
Book Description
If you’re using Excel 2003 and you’d rather be working on your projects instead of plodding through everything you could ever need to know (and may never need to know) about Excel, this is the reference for you. In a compact, info-packed, spiral-bound book that puts the facts you need at your fingertips, it covers the basics most Excel users need to know, including:
- Opening, saving protecting, and recovering workbook files and using workbook templates
- Adding, copying, and deleting worksheets, e-mailing worksheet data, and publishing worksheet data to the Web
- Entering and editing data and text and working with cells and ranges
- Creating formulas and functions
- Creating and using names
- Auditing, formatting, and printing your work
- Charting your data
- Analyzing data with pivot tables
Complete with concise, step-by-step explanations (most of which take less than one page) and lots of screen shots and tables, this no nonsense guide gets you working instead of searching or reading, A detailed index makes it easy to find what you need to know fast. Excel 2003 For Dummies is a practical, at-a-glance reference for any Excel user.
Average customer rating:
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Microsoft Office XP for Windows for Dummies Quick Reference
Doug Lowe
Manufacturer: For Dummies
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Binding: Plastic Comb
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Office XP for Dummies
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Windows XP For Dummies, 2nd Edition
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Windows XP for Dummies Quick Reference
ASIN: 0764508202 |
Book Description
You certainly get your money’s worth with Office XP. In one convenient bundle, you get a world-class word processor (Word 2002), a spreadsheet program (Excel 2002), a presentation program (PowerPoint 2002), an e-mail program (Outlook 2002), and a database program (Access 2002). Plus, you get a grab-bag of other useful programs. What a bargain!
With its plethora of features and commands, you may not know where or how to start using Office XP effectively. With Office XP For Dummies Quick Reference in hand, you'll find yourself zipping around in Office XP in no time. This handy guide is right for you if
- You've just upgraded to Office XP
- You currently use one of these versions of Microsoft Office XP: Standard Edition, Small Business Edition, Professional Edition
- You already use Office XP and want to know more about its advanced features
- You want quick, accessible answers to questions about Office XP
Office XP has tried to make your experience among the various Office programs as consistent as possible – from using dialog boxes and toolbars to starting or navigating a program. But you'll still need help getting around in any Office program. Here's a sampling of the quick, "get-in, get-out" information that you'll find in Office XP For Dummies Quick Reference:
- Getting a handle on the basics: Spell checking, searching, using the Task Pane
- Word 2002: Creating envelopes and labels, tables and columns, keyboard shortcuts
- Excel 2002: Using Autoformat and Autosum, charts, formatting cells, Pivot Table
- Powerpoint 2002: Working with Animation and color schemes, Photo Album, Slide Show, templates
- Access 2002: Entering data, working in fields, using queries and reports
- Outlook 2002: Managing a calendar, adding and deleting contacts, using e-mail, creating tasks
- The Drawing Toolbar: Using clip art, Autoshapes, diagrams, text boxes
Author Doug Lowe has written more than 50 computer books, including PowerPoint 2002 For Windows For Dummies, Networking For Dummies (5th Edition), and Internet Explorer 5.5 For Dummies, and he knows how to present boring technostuff in a style that is both entertaining and enlightening.
Customer Reviews:
Not stellar.......2007-05-12
Should have come with a CD for the section on following oral directions.
Average customer rating:
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Handbook of Plastic Optics
Stefan Baumer
Manufacturer: John Wiley & Sons
ProductGroup: Book
Binding: Hardcover
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Similar Items:
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Nonimaging Optics
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Nonimaging Fresnel Lenses: Design and Performance of Solar Concentrators (SPRINGER SERIES IN OPTICAL SCIENCES)
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Opto-Mechanical Systems Design, Third Edition (Optical Engineering)
ASIN: 3527404244 |
Book Description
This volume is the only book to describe in detail all aspects of plastic optics from design issues to production technology and quality control aspects. Throughout, the focus is firmly set on practical applications, making this an indispensable source of information for all those working in optics research and development.
Topics covered in this volume include:
- Opto-mechanical design
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Average customer rating:
- Obsolete
- To the point
- Investing Online for Dummies
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Investing Online for Dummies Quick Reference
Thomas S. Gray
Manufacturer: Hungry Minds
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Investing Online for Dummies, 5th Edition
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Teach Yourself® Investing Online
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Trading for Dummies
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Stock Investing For Dummies (For Dummies (Business & Personal Finance))
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Investing for Dummies Cd (--for Dummies (New York, N.Y.).)
ASIN: 0764507168 |
Book Description
With this concise, superbly organized reference, you'll find out how easy it is to manage your investments and track your growing wealth online. Discover how to research stocks, diversify your portfolio, make stock trades online, get up-to-the-minute investment news, and more.
Customer Reviews:
Obsolete.......2005-08-30
Shame on Borders for still having this in their store. It is outdated. The concept is great, but all of the suggested websites have been updated. The syntax directives are irrelevant now.
To the point.......2000-10-08
Concise information on a complex and fast-changing subject. The author is committed to helping investors do their own research and make their own decisions. This is a book for people who want to learn about stocks, mutual funds and other investments using the Web; it's not a manual for day-trading or other Web-based short-term strategies.
Investing Online for Dummies.......2000-08-02
I believe this book should be bought by all expert and beginner investors. It teaches you the basics of investing to let you go on the road of the stock market.
Average customer rating:
|
Photosensitive Polyimides: Fundamentals and Applications
Takashi Yamashita
Manufacturer: CRC
ProductGroup: Book
Binding: Hardcover
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ASIN: 1566762979 |
Book Description
This is the first book to provide an in-depth presentation of photosensitive polyimides for electronic and photonic applications. The authors are leading specialists in this field from Japan, Europe and the U.S. From the Preface Aromatic polyimides were developed originally as thermostable flexible polymer films for space applications. Now polyimides have found widespread use in the manufacture of electronic devices and have been employed in increasingly diverse areas of electronics and information technology. In addition to their excellent thermal stability and high processability, a wide range of chemical and physical properties provided by molecular engineering makes polyimides highly versatile in the electronics and information industries. Lithography of polyimides is an inevitable process in using polyimides for microelectronic fields, and hence increasing research has been devoted to developing photosensitive polyimides, which make it unnecessary to use photoresists for patterning polyimides and diminishing markedly the number of steps in fabrication of various electronic devices. In addition, the development of technology of photosensitive polyimides is expected to play a great role in manufacturing photonic devices in the near future, when the design and control of hyper fine structures . . . including higher thermal stability and better processability would be essential.
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