Kent Matthews delves into the evolution of banking, exploring whether traditional banks are becoming obsolete in the face of technological advancements and fintech innovations. From the historical roots of banking to the impact of the 2008 financial crisis, Kent discusses the challenges and transformations within the industry. He also examines the role of regulation, interest rates, and the rise of ESG in shaping the future of banking. Tune in to understand how banks are adapting to a rapidly changing financial landscape.

Professor Kent Matthews: https://profiles.cardiff.ac.uk/emeritus/matthewsk

'Trends in Domestic and International Banking': https://www.worldscientific.com/doi/pdf/10.1142/9789811275067_0001

Timestamps:

00:00: Are Banks Dead?

01:26: The History of Banking

05:09: Has Banking Improved Post Breton Woods?

08:33: What Caused the 2008 Financial Crisis?

13:18: What Banking Regulation Has Slowed Growth?

18:00: Why Banking in America Is More Profitable?

22:11: Is FinTech a Threat to Traditional Banking?

29:33: Will AI Replace Bankers?

33:28: Best Country for Banking Regulation

36:31: Encouraging Lending to Small Businesses

43:00: How Interest Rates Affect the Economy

49:02: Covid Pandemic's Impact on the Economy

51:14: How Will Banking Change Over Time?

56:13: How ESG is Changing Banking

01:00:13: Kent's Closing Thoughts

Socials:

TikTok: https://www.tiktok.com/@marginalbabble Instagram: https://www.instagram.com/maxdorey96/ Twitter: https://twitter.com/MaxDorey1

LinkedIn: https://www.linkedin.com/in/maxwell-dorey-7958a4128/

Website: https://marginalbabble.co.uk/

Economist Chirantan Chatterjee delves into the complexities of India's healthcare system, highlighting the duality and inequality that persist across regions. With a focus on health equity, Chatterjee discusses the challenges faced by the elderly in accessing insurance and the impact of out-of-pocket expenses on poverty. The conversation also explores the role of entrepreneurship and government programs in improving healthcare outcomes, while addressing the need for preventive measures against non-communicable diseases. Tune in to understand the intricate dynamics of healthcare in India and the potential lessons for other developing nations.

Professor Chirantan Chatterjee: https://profiles.sussex.ac.uk/p535606-chirantan-chatterjee https://www.linkedin.com/in/chirantanchatterjee/?originalSubdomain=uk

'Financial vulnerability of the elderly population undergoing cataract surgery within a distributed eye care delivery system in India (2011–2022): a multicentre, retrospective cohort study': https://www.thelancet.com/journals/lansea/article/PIIS2772-3682(25)00111-8/fulltext

Timestamps:

00:00: Background on the Indian Healthcare System

05:45: Chirantan's Research (Insurance Coverage)

11:03: Why Aren't the Elderly Covered by Health Insurance? 17:20: How Health Affects the Economy

24:59: Are the Research Findings Applicable to the Wider Healthcare Industry?

28:48: What Health Programmes Have Led to India's Improved Health Outcomes?

33:03: Health Inequality in India

Socials:

TikTok: https://www.tiktok.com/@marginalbabble Instagram: https://www.instagram.com/maxdorey96/ Twitter: https://twitter.com/MaxDorey1

LinkedIn: https://www.linkedin.com/in/maxwell-dorey-7958a4128/

Website: https://marginalbabble.co.uk

In this episode, we delve into the intricate world of mafia networks with Dr Pasquale Accardo. Discover how these organizations operate within and outside the law, their historical roots, and their complex relationships with formal institutions. Pasquale shares personal insights from growing up in Naples, the heartland of the Camorra, and discusses his research on the socio-economic impacts of organized crime. Join us for a thought-provoking conversation on the hidden dynamics of power and influence.

Pasquale Accardo: https://researchportal.bath.ac.uk/en/persons/pasquale-accardo/

'The good connections: A Network Analysis of organized crime, patronage, and local elites': https://researchportal.bath.ac.uk/en/publications/the-good-connections-a-network-analysis-of-organized-crime-patron/

Timestamps:

00:00: Why Research Mafia Networks?

03:24: What is Network Analysis?

04:37: Data Used for the Research

08:18: The Shadow Economy

14:25: The 'Anti-Mafia' Commission

16:47: Research Methods & Results

28:40: Can Network Analysis Stop Crime?

35:07: Are the Findings Applicable to Other Countrys?

43:17: Mafia Infiltration of the State!

46:45: How AI & Automation Can Improve Research

51:10: Further Reading On Crime Economics & Network Analysis

57:50: Pasquale's Other Research

Socials:

TikTok: https://www.tiktok.com/@marginalbabble Instagram: https://www.instagram.com/maxdorey96/ Twitter: https://twitter.com/MaxDorey1

LinkedIn: https://www.linkedin.com/in/maxwell-dorey-7958a4128/

Website: https://marginalbabble.com/

In this episode, Daniel Broby explores the dynamic landscape of financial technology at the Singapore Fintech Festival. Key topics include the rise of stablecoins, the impact of blockchain on traditional banking, and the future of social media payments. Daniel also discusses the regulatory challenges and opportunities in fintech, highlighting innovations that are set to revolutionize the industry.

Professor Daniel Broby:

https://aim.edu/faculty/daniel-broby/

Timestamps:

00:00: The Blueprint for FinTech Growth

01:12: Stable Coins, Cryptocurrency & Blockchain

05:42: The 'Genius Act' & FinTech Regulation

08:31: Social Media Payments

12:12: Microfinance & Lending in Developing Countries

17:41: Can Regulation Keep Up?

19:54: What Type of FinTech is Being Undervalued?

22:00: Are the Banks in Trouble?

23:23: Tokenisation

26:38: Is London Falling Behind?

30:23: The AI Race (USA VS China)

33:20: Data Privacy in the AI World

36:28: Britain's FinTech Future

39:05: Final Thoughts

Socials:

TikTok: https://www.tiktok.com/@marginalbabble Instagram: https://www.instagram.com/maxdorey96/ Twitter: https://twitter.com/MaxDorey1

LinkedIn: https://www.linkedin.com/in/maxwell-dorey-7958a4128/

Website: https://marginalbabble.com/

In this conversation, Max and Professor John Duca explore the complexities of housing price cycles, the influence of government policy, and the impact of remote work on housing demand. They discuss the challenges of housing supply and infrastructure, the dynamics of the rental market, and the balance between regulation and deregulation in housing. The conversation also touches on the future of housing construction, the importance of education and workforce development, and comprehensive policy recommendations to address housing issues. Finally, they highlight the need for further research to inform better housing policies.

Professor John Duca:https://www.oberlin.edu/john-duca

'What Drives House Price Cycles? International Experience and Policy Issues'https://www.aeaweb.org/articles?id=10.1257%2Fjel.20201325

Timestamps:

00:00: Intro

00:21: What Drives Housing Price Cycles?

04:36: The Objectives/Results of John's Research

07:57: How WFH Has Affected House Prices

13:29: Effects on the Rental Market

16:26: "Affordable Home Ownership" & “Help to Buy” Schemes

19:08: Housing Supply & Regulation

25:43: Are We Overeducated?

29:39: Flamable River to Quality Housing?

31:49: Is Modular House Building the Solution?

37:04: Are Low Interest Rates Counterproductive?

40:04: Policy & Infastructure for Housing

46:36: Urban Sprawl

51:11: Mixed Use Buildings

56:21: How John Would Change Housing Policy

59:52: What Future Research Could Build Upon John's Work?

Socials: TikTok: https://www.tiktok.com/@marginalbabble Instagram: https://www.instagram.com/maxdorey96/ Twitter: https://twitter.com/MaxDorey1 LinkedIn: https://www.linkedin.com/in/maxwell-dorey-7958a4128/ Website: https://marginalbabble.com/

Max sits down with Professor Philipp Genschel & Professor Laura Seelkopf to discuss their research and book surrounding the global rise and diffusion of modern taxation from 1750 to 2018. It draws on a unique dataset (the 'Tax Introduction Dataset') which tracks the first adoption of six key taxes across 220 countries:• Personal income tax• Corporate income tax• Inheritance tax• Social security contributions• General sales tax• Value-added tax (VAT)'Global Taxation. How Modern Taxes conquered the World'https://www.amazon.co.uk/Global-Taxation-Modern-Taxes-Conquered/dp/0192897578https://academic.oup.com/book/38815?login=falseTheir Data Set:https://tid.seelkopf.eu/Professor Philipp Genschel:https://www.researchgate.net/profile/Philipp-GenschelProfessor Laura Seelkopf:https://seelkopf.eu/index.phpTimestamps:00:00: Global Tax Policy Over the Past 50 years08:18: Philipp & Laura's Research14:12: Balancing Quantitative & Qualitative Measures16:37: Western Bias in Research22:22: Surprising Results 24:16: Diffusion of Modern Tax Policy 27:14: Colonial Rule VS Sovereign Adoption35:19: Future of Taxes in Western Economies39:36: Wealth Taxes?49:08: Alternative Ways to Tax Wealth52:15: Building on the Research55:39: Philipp & Laura's Other ResearchSocials: TikTok: https://www.tiktok.com/@marginalbabble Instagram: https://www.instagram.com/maxdorey96/ Twitter: https://twitter.com/MaxDorey1 LinkedIn: https://www.linkedin.com/in/maxwell-dorey-7958a4128/ Website: https://marginalbabble.com/

Max sits down with Professor Sheheryar Banuri to discuss his research on transgender healthcare outcomes in Pakistan. Dr Sheheryar Banuri is an internationally recognized behavioural economist and author. He is currently a By-Fellow, Dean of College and Tutor at Hughes Hall, University of Cambridge, and an Associate Professor of Economics at the University of East Anglia. He is a pioneer in the field of behavioural development economics, specializing in motivation, governance, and discrimination, and an expert on incentive design. He has nearly two decades of research experience and has provided policy guidance to government agencies. He routinely consults for multilateral organizations, providing policy advice and intellectual support. His work has been published in leading academic journals in Economics, Computer Science, Medicine, and Psychology, and is a co-author of the World Bank’s influential 'World Development Report 2015: Mind, Society, and Behaviour'. He is also the author of two popular books on decision-making: Good Decisions for Strange Situations and The Decisive Mind (shortlisted for the Best Behavioural Science book award by the Global Association of Applied Behavioural Scientists).Professor Sheheryar Banuri:https://research-portal.uea.ac.uk/en/persons/sheheryar-banuriTimestamps:00:00: Background to Sheheryar's Research05:21: Designing the Study / Hiring Actors15:24: Surprising Outcomes of the Study18:52: Subtle Discrimination23:18: Use of Placebo 'Medicines'30:13: Future Policy Changes?33:33: Churn in Low-Cost Clinics / Pakistan Healthcare Industry37:41: Link to Behavioural Economics44:22: Could the Findings Apply to Western Healthcare?50:21: Future Research that Could Build Upon the Findings52:36: Ethics of the Study55:08: Sheheryar's Other ResearchResearch Paper:'Discrimination in healthcare: A field experiment with Pakistan's Transgender community'https://www.sciencedirect.com/science/article/pii/S0927537123001653Socials: TikTok: https://www.tiktok.com/@marginalbabble Instagram: https://www.instagram.com/maxdorey96/ Twitter: https://twitter.com/MaxDorey1 LinkedIn: https://www.linkedin.com/in/maxwell-dorey-7958a4128/ Website: https://marginalbabble.com/

Max sits down with Professor Arpad Abraham out of Bristol University to discuss cycles in tax policy, the effects of volatility to the economy and how UK tax policy will likely change in the near future.

Professor Arpad Abraham:

https://www.bristol.ac.uk/people/person/Arpad-Abraham-fa5c4209-a7ba-48dc-adf4-5cb9a893e722/

Timestamps: 00:00: Why Can't Governments Leave Tax Policy Alone?

03:59: Arpad's Research 06:37: Tax Pragmatism

10:21: Is Tax Policy a Prisoner's Dilemma?

10:58: The Administrative Burden of Taxes

12:06: Wealth Taxes on the Rise? & Private Equity

16:30: Measuring Wealth Effectively

19:33: Norway's Wealth Taxes & Broader Economy

24:30: Arpad's Social Security Research

30:41: Volatility & Uncertainty in Tax Policy

35:44: Cycles of Economic Shocks & Growth

40:39: Do Policy Makers Misjudge Risk?

49:42: How Will UK Taxes Change in the Next 10 years?

53:02: Future Research to Build Upon Arpad's Work

Arpad’s Research:

CAPITAL TAX REFORMS WITH POLICY UNCERTAINTY

https://research-information.bris.ac.uk/en/publications/capital-tax-reforms-with-policy-uncertainty

On the optimal design of a Financial Stability Fund

https://research-information.bris.ac.uk/en/publications/on-the-optimal-design-of-a-financial-stability-fund

Efficient risk sharing and separation

https://research-information.bris.ac.uk/en/publications/efficient-risk-sharing-and-separation

Socials:

Tiktok: https://www.tiktok.com/@marginalbabble

Instagram: https://www.instagram.com/maxdorey96/

Twitter: https://twitter.com/MaxDorey1

LinkedIn: https://www.linkedin.com/in/maxwell-dorey-7958a4128/

Website: https://marginalbabble.com/

Max and Professor Barsbai sit down to discuss the effects recession have

1 in 20 people aged 16 and over experienced some form of Domestic