sources

Gaming feature

Statista, Life-to-date consumer spending generated by Call of Duty series worldwide as of June 2022.’ Available at: https://www.statista.com/statistics/1244198/cod-lifetime-player-spending/#:~:text=As%20of%20June%202022%2C%20first,U.S.%20dollars%20in%20December%202020. Accessed January 2024. – Figures are from 2022, estimate is total sales are even higher now, around $32 billion.

CNBC, Jan 2021,‘The 13 highest-grossing film franchises at the box office.’ Available at:
https://www.cnbc.com/2021/01/31/the-13-highest-grossing-film-franchises-at-the-box-office.html. Accessed May 2024.

The Numbers, ‘Pinpoint Box Office Numbers from the Industry Leaders.’ Available at: https://www.the-numbers.com/movies/franchises#franchise_overview=od4. Accessed January 2024.

Visualcapitalist.com, December 2023. ‘50 Years of Video Game Industry Revenues, by Platform.’ Available at: https://www.visualcapitalist.com/video-game-industry-revenues-by-platform/. Accessed April 2024.

Ampere Analysis, July 2022, ‘Global games market forecast to decline in 2022.’ Available at: https://www.ampereanalysis.com/insight/global-games-market-forecast-to-decline-in-2022. Accessed April 2024.

Statista, ‘Global recorded music revenue from 1999 to 2023.’ Available at: https://www.statista.com/statistics/272305/global-revenue-of-the-music-industry/#:~:text=Global%20revenue%20of%20the%20recorded%20music%20industry%201999%2D2022&text=In%202022%2C%20the%20total%20revenue,dollars%20in%20the%20same%20year. Accessed April 2024.

IBIS World, September 2023, ‘Global Movie Production & Distribution - Market Size (2005–2029). Available at: https://www.ibisworld.com/global/market-size/global-movie-production-distribution/. Accessed April 2024.

GameDev Reports, March 2023. ‘Ampere Analysis: The console gaming market dropped in 2022; PlayStation 5 is selling almost twice as better as Xbox Series.’ Available at: https://gamedevreports.substack.com/p/ampere-analysis-the-console-gaming-91a. Accessed February 2024.

Statista Consumer Market Outlook, ‘Revenue share of the video game consoles market worldwide from 2018 to 2027, by sales channel.’ Available at: https://www.statista.com/forecasts/1294144/revenue-share-video-game-consoles. Accessed February 2024.

GameByte, January 2023. ‘90% of video game sales in 2022 were digital.’ Available at: https://www.gamebyte.com/90-of-video-game-sales-in-2022-were-digital/. Accessed May 2024.

Omdia, October 2023. ‘Omdia research projects game subscriptions revenue to surpass $22 billion by 2027.’ Available at: https://www.prnewswire.co.uk/news-releases/omdia-research-projects-game-subscriptions-revenue-to-surpass-22-billion-by-2027-301962347.html. Accessed April 2024.

Newzoo,’Global Games Market 2023.’ Available at: https://resources.newzoo.com/hubfs/Reports/Games/2023_Newzoo_Free_Global_Games_Market_Report.pdf?utm_campaign=2023-08-GMRF-GGMR%202023%20free%20report&utm_medium=email&_hsenc=p2ANqtz--B4Ymd9-CP5DxrbpjAmRFqllUDd4yWHDQuzBZ8H0xO-iELvg3pP4CkQ3Tl3Z3BeRkUrrJHuorI_3a9iU-6yNnNHrKjcF10VJ4zwRPmgwJN7rMs1AA&_hsmi=269284764&utm_content=269284764&utm_source=hs_automation. Accessed April 2024.

Latentview, November 2022. ‘Is Subscription Economy the Future of Gaming?’ Available at: https://www.latentview.com/blog/is-subscription-economy-the-future-of-gaming/ . Accessed February 2024.

AmpereAnalysis, September 2022. ‘Live service titles in Xbox Game Pass approach 10% of catalogue.’ Available at: https://www.ampereanalysis.com/insight/live-service-titles-in-xbox-game-pass-approach-10-of-catalogue. Accessed February 2024.
https://www.bbc.com/worklife/article/20240130-the-gaming-industry-is-aiming-for-subscribers-will-gamers-play-along

PR Newswire, October 2023. ‘Omdia research projects game subscriptions revenue to surpass $22 billion by 2027.’ Available at: https://www.prnewswire.co.uk/news-releases/omdia-research-projects-game-subscriptions-revenue-to-surpass-22-billion-by-2027-301962347.html. Accessed February 2024.

Musicbusinessworldwide, October 2023. ‘WITH ITS PATENTED MUSIC INTEGRATION ENGINE AND IN-GAME PURCHASES, REACTIONAL MUSIC CLAIMS TO BE ‘THE MISSING LINK’ BETWEEN THE MUSIC AND GAMES INDUSTRIES.’ Available at: https://www.musicbusinessworldwide.com/with-its-patented-music-integration-engine-and-in-game-purchases-reactional-music-claims-to-be-the-missing-link-between-the-music-and-games-industries/. Accessed May 2024.

Gamesindustrybiz, December 2020. ‘GamesIndustry.biz presents… The Year in Numbers 2020.’ Available at: https://www.gamesindustry.biz/gamesindustry-biz-presents-the-year-in-numbers-2020. Accessed May 2024.

Statista, February 2024. ‘Share of internet users worldwide playing games on selected devices as of 3rd quarter 2023.’ Available at: https://www.statista.com/statistics/533047/leading-devices-play-games/. Accessed April 2024.

Backbone, see: https://playbackbone.com/gb/
CNBC, October 2022, ‘How free-to-play and in-game purchases took over the video game industry.’ Available at: https://www.cnbc.com/2022/10/06/how-free-to-play-and-in-game-purchases-took-over-video-games.html. Accessed May 2024.

National Institutes of Health, Jan 2023. ‘The Health Effects of Video Games in Children and Adolescents.’ Available at: https://pubmed.ncbi.nlm.nih.gov/36587018/. Accessed April 2024. Accessed April 2024.

Bloomberg, February 2024. ‘Roblox Game Developers Earned a Record $741 Million Last Year?’ Available at: https://www.bloomberg.com/news/articles/2024-02-21/how-much-do-roblox-game-makers-earn-741-million-in-2023. Accessed April 2024

PCgamer, April 2021, ‘Minecraft modders have sold a billion mods, made over $350M since Microsoft bought it.’ Available at: https://www.pcgamer.com/minecraft-modders-have-sold-a-billion-mods-for-more-than-dollar350m-since-microsoft-bought-it/

TheVerge.com, ‘Epic is going to give 40 percent of Fortnite’s net revenues back to creators.’ Available at: https://www.theverge.com/2023/3/22/23645633/fortnite-creator-economy-2-0-epic-games-editor-state-of-unreal-2023-gdc. Accessed April 2024.

https://www.juniperresearch.com/press/losses-online-payment-fraud-exceed-362-billion/

https://risk.lexisnexis.com/insights-resources/research/us-ca-true-cost-of-fraud-study

https://www.sita.aero/pressroom/blog/the-evolution-of-biometrics-and-border-control/

https://www.veriff.com/blog/the-future-of-biometric-technology

https://luca-giuzzi.unibs.it/corsi/Support/papers-cryptography/RAD78.pdf

https://www.reliaquest.com/platform/digital-risk-protection/

https://www.linkedin.com/pulse/ai-future-passwords-passkeys-replace-traditional-abdul-owais-hazari/

https://blog.google/technology/safety-security/passkeys-default-google-accounts/

https://passkeys.directory/

https://www.daon.com/resource/the-promise-of-passkeys/

https://www.ibm.com/downloads/cas/E3G5JMBP

https://luca-giuzzi.unibs.it/corsi/Support/papers-cryptography/RAD78.pdf

https://venafi.com/blog/homomorphic-encryption-what-it-and-how-it-used/

https://research.ibm.com/blog/what-is-synthetic-data

https://www.jpmorgan.com/technology/technology-blog/synthetic-data-for-real-insights

https://mostly.ai/blog/15-synthetic-data-use-cases-in-banking#h-fraud-and-anomaly-detection

mckinsey.com/capabilities/risk-and-resilience/our-insights/localization-of-data-privacy-regulations-creates-competitive-opportunities


Global Trends

HSBC, April 2023. ‘Cash management in Asia: The key trends to empower treasury.’ Available at: https://www.gbm.hsbc.com/en-gb/insights/innovation/cash-management-in-asia-the-key-trends-to-empower-treasury. Accessed February 2024.

Openbanking.org, November 2023, ‘New Impact Report reveals increased adoption and product innovation.’ Available at: https://www.openbanking.org.uk/insights/new-impact-report-reveals-increased-adoption-and-product-innovation/. Accessed March 2024.

Amazon, July 2023. ‘Amazon One palm payment technology is coming to all 500+ Whole Foods Market stores in the U.S.’ Available at: https://www.aboutamazon.com/news/retail/amazon-one-whole-foods-market-palm-scanning. Access March 2024.

Forbes, December 2023. ‘Robots And AI Power New ‘Fully Autonomous’ Burger Restaurant CaliExpress.’ Available at: https://www.forbes.com/sites/rogerdooley/2023/12/20/robots-and-ai-power-new-fully-autonomous-burger-restaurant-caliexpress/?sh=4144710f7fa0&secureweb=OUTLOOK. Accessed April 2024.

Trillion Dollar Question

Waitwhile,’ Consumer Survey: The State of Waiting in Line (2023).’ Available at: https://waitwhile.com/blog/consumer-survey-waiting-in-line-2023/#:~:text=Consumer%20impatience%20rose%20by%20176%25%20YoY&text=The%20vast%20majority%20of%20consumers%20still%20associate%20waiting%20in%20line,when%20they%20have%20to%20wait. Accessed March 2024.

Business Money, June 2022. ‘Lack of payment options cause 9 in 10 shoppers to abandon online purchases.’ Available at: https://www.business-money.com/announcements/lack-of-payment-options-cause-9-in-10-shoppers-to-abandon-online-purchases/. Accessed March 2024.

Ideas Bank – Ecosystems

McKinsey, April 2023. ‘Strategies to win in the new ecosystem economy.’ Available at: https://www.mckinsey.com/capabilities/strategy-and-corporate-finance/our-insights/strategies-to-win-in-the-new-ecosystem-economy. Accessed January 2023.

IB: Conversational Analytics

https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4573321

https://www.platformer.news/p/google-unveils-gemini


IB: Soft POS

https://www.computerweekly.com/news/366552172/Number-of-UK-contactless-payments-increased-30-last-year

https://whitesight.net/2023-emfi-roundup-instore-payments/#:~:text=SoftPOS%3A%20Now%2C%20think%20about%20the,or%20tap%2Don%2Dphone

https://www.jpmorgan.com/about-us/corporate-news/2023/jpm-payments-enables-tap-to-pay-on-iphone-for-us-merchants-starting-with-sephora

https://www.juniperresearch.com/press/soft-pos-users-to-grow-globally-by-2027

https://www.finextra.com/pressarticle/94826/danish-national-rail-operator-adopts-softpos-tech-from-softpay-and-nets

https://nfc-forum.org/news/2023-07-7-insights-from-the-nfc-forum-technical-roadmap/

https://nfc-forum.org/news/2023-12-softpos-the-next-great-disruptor-to-the-payments-ecosystem/


Reality Check

https://www.c2es.org/content/carbon-dioxide-removal/#:~:text=The%20National%20Academy%20of%20Sciences,CDR%20each%20year%20by%202100

https://about.bnef.com/blog/carbon-capture-investment-hits-record-high-of-6-4-billion/

https://insideclimatenews.org/news/05112023/landowners-fight-co2-pipeline-midwest-navigator/

https://www.theguardian.com/environment/2023/jan/18/revealed-forest-carbon-offsets-biggest-provider-worthless-verra-aoe

https://www.klarna.com/international/press/klarna-launches-carbon-footprint-insights-for-90-million-consumers/

https://www.reuters.com/world/us/facing-brutal-climate-math-us-bets-billions-direct-air-capture-2023-04-18/

https://liftoff.energy.gov/carbon-management/


Two Sides

N/A

Visual Timeline

International Journal of Research in Social Sciences Vol. 9 Issue 7, July 2019, HISTORY OF BANKING IN INDIA AND EMERGENCE OF NEW GENERATION BANKS, by Rajisha T, https://www.ijmra.us/project%20doc/2019/IJRSS_JULY2019/IJMRA-15886.pdf

https://web.archive.org/web/20190120043055/https://m.rbi.org.in/Scripts/PublicationsView.aspx?id=155

https://corporate.westernunion.com/

https://stripe.com/blog/reimagining-bank-transfers

Paying with plastic : the digital revolution in buying and borrowing, by Evans, David S. (David Sparks), 1954-, https://archive.org/details/payingwithplasti0000evan/page/n387/mode/2up, retrieved 17 January 2024

https://stripe.com/gb/resources/more/what-are-payment-rails

https://softco.com/uk/glossary/automated-clearing-house/#:~:text=The%20first%20automated%20clearing%20house,which%20began%20operations%20in%201972.

https://www.newyorkfed.org/medialibrary/media/research/epr/08v14n2/0809prei.pdf

https://www.bis.org/publ/qtrpdf/r_qt1703g.pdf

https://www.bis.org/cpmi/publ/d22.pdf

https://www.swift.com/about-us/history

https://xsreviews.co.uk/editorial/the-history-of-mobile-payments/#:~:text=One%20of%20the%20first%20recorded,pay%20using%20their%20cell%20phones

https://www.westernunion.com/blog/en/gb/what-is-a-p2p-payment-system-how-does-it-work/

https://novosec.de/documents/eCommerce_PayPal_en.pdf

https://about.pypl.com/who-we-are/history-and-facts/default.aspx

https://www.bis.org/publ/qtrpdf/r_qt1703g.pdf

https://www.fintechfutures.com/2020/11/how-real-are-real-time-payments/

https://www.bis.org/publ/qtrpdf/r_qt1703g.pdf

https://www.nasdaq.com/articles/decoding-crypto%3A-what-was-the-first-cryptocurrency-and-who-created-it-2021-08-18

https://www.mckinsey.com/industries/financial-services/our-insights/financial-services-unchained-the-ongoing-rise-of-open-financial-data

https://www.openbanking.org.uk/wp-content/uploads/What-Is-Open-Banking-Guide.pdf

https://www.bankofengland.co.uk/explainers/what-is-a-central-bank-digital-currency

https://techinformed.com/2024-informed-fintech-and-digital-currency-predictions/#:~:text=%E2%80%9CIn%202024%2C%20we'll,use%20cases%2C%20including%20offline%20payments.