The financial system is the heart of an economy and payment systems are the nerves. As we shift towards a cashless economy, it is essential to understand the perception of customers towards digital transactions to design effective and viable E-Payment Systems (EPSs).Drawing on ten years of research in India and around the world, ‘The Sustainability of Financial Innovation in E-Payment Systems’ presents a timely and important model for the long-term viability of EPSs and gi...

Thirty-three-year-old hijabi Sana Saeed has put away her childhood dream of ishq—an all-consuming, sweeping love. The arranged dates she's agreed to have failed time after time, and she has responsibilities to consider—namely her sweet, autistic younger brother, Zia. Sana and Zia are a package deal, and she wouldn't have it any other way. But their traditional mother won't allow Sana to be named as his future guardian . . . unless she's married.When Daniel Malik walks into...

From international bestselling author Jessica Ruben comes a passionate romance. From India to Iran and New York City, buckle up for a journey you won't forget.Darius is a man with power and control.As a child in the Mumbai slums, living among lethal street gangs, all he cared about was his safety and where he would find his next meal. That is, until the Madam of the most famed brothel in India finds him, offering him a life he can’t refuse.As an intelligent, beautif...

Nothing has happened. Not yet, anyway. This is how all things begin.Welcome to Apex City, formerly Bangalore, where everything is decided by the mathematically perfect Bell Curve.With the right image, values, and opinions, you can ascend to the glittering heights of the Twenty Percent—the Virtual elite—and have the world at your feet. Otherwise you risk falling to the precarious Ten Percent, and deportation to the ranks of the Analogs, with no access to ele...