Creating the Future with All Finance and Financial Conglomerates provides an academic search for an understanding of all finance and financial conglomerates. It presents a strategic and economic analysis of the diversification strategies and the growing interface between different types of financial firms. On the basic of a solid analysis of theoretical fundaments and practical value the book develops basic concepts of creating the future, especially the solutions in managing risks and the fresh ideas for the development of integrated financial services. The structure of the book is logical: starting on theoretical fundaments (section , part A) and examining the economic value of All Finance and Financial Conglomerates (part B) leads to creating a concept for the future (part C). Case studies add additional practical value to this research. The review of the subject is completed by aspects of risk management in this sector and by political guidelines for the EU-single market (section 2). The book builds further on professor Van den Berghe's first publication, entitled Financial Conglomerates - New rules for new Players (published by Kluwer Academic Publishers in October 1995) and broadens the scope in the direction of strategic and managerial aspects.

This research explores the implications for risk management of “People Risk.” In particular how online digital behaviors, particularly from young people entering the workplace for the first time, might impact on the work setting and how risk management might mitigate impact on the employee and organization. A mixed methods approach was used to consider these implications and draws from a number of data sources in the United Kingdom including a database of self-review data around online safety policy and practice from over 2000 schools, a survey of over 1000 14–16 year olds and their attitudes toward sexting, and a survey of over 500 undergraduate students. In addition the work considers existing risk management approaches and the models therein and how they might be applied to people risk. The dataset analyzed in this exploration show an education system in the United Kingdom that is not adequately preparing young people with an awareness of the implications of digital behavior in their lives and the survey data shows distorted social norms that might have serious consequences in the workplace.