... between what they pay their A New Take on Credit and Lending 11 savers and the cost of the money that they bring in What they charge their borrowers is the income that they generate from their savings... are changing the world of banking every day T xi About the Author Brett King is an Amazon best-selling author, a well-known industry commentator, a speaker, the host of the BREAKING BANK$ radio... or the dynamics of the communications sector with the shift from the telegraph to the telephone, and then from fixed-line to mobile In the midst of the financial crisis in 2009, Paul Volcker, the