Jonathan McMillan is a pseudonym. Behind it stand two authors, both experienced in the world of economics and finance. One works in the investment banking division of a global bank. He is a financial expert who loves nothing more than digging through balance sheets, system flowcharts, and transaction data. In his role, he has gained firsthand insights into the workings of the financial centers of London and New York. To protect the identity of this author, The End of Banking is published under a pseudonym. The other author has chosen an academic path. He holds an M.Phil. in economics from the University of Cambridge and a Ph.D. in economics from the Swiss Federal Institute of Technology, ETH Zurich. In his research, he investigated the impact of banking and banking regulation on macroeconomic stability and welfare; parts of his thesis have been published in the Journal of Economic Theory. He is now an economics editor at Neue Zürcher Zeitung, the Swiss newspaper of record.