This article aims to demonstrate the likely end of banks, money and the international financial system and their consequences.

1. 1
THE END OF BANKS, MONEY AND THE INTERNATIONAL FINANCIAL
SYSTEM
Fernando Alcoforado*
This article aims to demonstrate the likely end of banks, money and the international
financial system and their consequences. Banks are coming to an end because
technology is putting the banking market in check as people today are much more
concerned about paying anything with a credit or debit card without having to take
money from the bank. Bank. This is making banks unnecessary. Money, in the
traditional sense, died two decades ago, eclipsed by a digitized trade economy. The
death of the check, paper or metal money and card is accelerating which is being
replaced by digital payments. Meanwhile, the world financial system is collapsing with
the inevitable collapse of the dollar. In the international financial system led by the US
dollar, the rapid loss of confidence in this currency begins to take place. In recent years
several countries have actively sought opportunities to create an alternative reserve
currency and abandon the dollar. The end of the dollar will lead to three scenarios: 1) its
replacement by a world currency (SDR - Special Drawing Rights: a currency created by
the International Monetary Fund used for inter-country payments); 2) the adoption of
the gold standard; and 3) the social disorder. Of these three scenarios, the most likely is
that of social disorder when neo-fascist governments around the world and world
financial bodies will take the power to act with an iron fist to control the global
financial system.
1. The end of banks
Il y a un demi-siècle, les opérations bancaires étaient relativement simples et son rôle
consistait à servir d'intermédiaire entre les épargnants et les prêteurs. ont passé par un
processus de transformation en son activité principale. Bénéficiant de l’ouverture de
l’économie mondiale depuis les années 90, ces institutions sont devenues des groupes
financiers et des conglomérats diversifiés dont les bénéfices proviennent principalement
de la création de crédit, devenue le principal moyen de créer de la monnaie. Ce faisant,
les banques centrales de la grande majorité des pays ont complètement perdu le contrôle
de leurs systèmes économiques..
Banks make their biggest profits ever by facilitating the concentration and centralization
of capital. A major source of bank profit is speculation in general, including negotiating
countries' debt and betting on world stock markets. No other sector of the economy can
boast such high rates of return, not even any of the largest companies in the productive
sector can even match the record profits of the financial system.
Global transaction figures illustrate the size of the financial sector: in 2002, world GDP
was US$ 32.3 trillion, while financial transactions amounted to US$ 1,140.6 trillion. At
the beginning of the crisis, in 2008, while world GDP was US$ 60.1 trillion, financial
movements reached US$ 3,628 trillion (CHESNAIS, François. Les dettes illégitime.
Quand les banques font main basse sur les politiques publiques. Paris: Editions Raisons
d´agir, 2011). According to François Chesnais there will be no end to the global
economic crisis that erupted in 2008 in the United States while banks and financial
investors are in charge, with governments adopting policies wholly driven by the

2. 2
interests of the rentiers and to survive the debt-driven regime as has been happening
today.
What is the future of banks? Jonathan McMillan's book The End of Banks (São Paulo:
Editora Schwarcz S.A. 2018) discusses the role of banks in an increasingly digitized
world and also the problems the financial system can create. Resistance to banks came
to fruition since the 2008 crisis, when banking giants were blamed for the financial
earthquake that ravaged the planet and drained huge, never seen resources from
governments, especially in the United States. In this country, Congress approved a US$
700 billion recovery plan according to Time magazine and the US government invested
a total of US$ 10 trillion to help banks and remedy the financial collapse that was taking
place. Since the 2008 crisis, the idea of ending banks has been resonating.
Jonathan McMillan asks: How to live without a bank? How to pay bills, make transfers
and save our money? The End of Banks book gives unambiguous explanations of these
issues. McMillan has come up with solutions to a new financial crisis that many
economists around the world have admitted as likely. He cited, for example, the great
risk of the Chinese economy, whose domestic debt promises to reach an amount that
could eventually collapse. Deutsche Bank recently issued a report listing eleven risks
that could lead to a new financial crisis, including the weak performance of the Japanese
economy, the UK's exit from the European Union and Italy's economic situation. Many
economists are coming to the conclusion that banks must be extinguished.
It should be noted that the large financial drain that banks demanded at the time of the
2008 crisis has not prevented them from making huge profits ever since. From 2008, the
banking sector has become more concentrated than ever. In the United States, for
example, the number of banks fell by half in 2009, while the share of the four largest
US banks rose from 14% to over 40%. And they are increasingly lucrative. In 2018, the
profit of only ten of the largest US banks broke the record. In Brazil, the phenomenon is
identical: in 2016, the five largest Brazilian banks together had a record with a net profit
of 69 billion reais.
Jonathan McMillan explains the role of banks and the reasons why they are harmful to
the financial health of society across the globe. To stop worrying about how to pay bills,
make transfers, and keep salary, McMillan explains that these are banking activities that
no longer need to be performed by banks. On the contrary, they are services that can be
performed by technology, which already happens. Financial technology, “fintech”
adopted by banks is an amalgam of “finance” and “technology”, which has spread in
recent years and banks themselves have set up innovation labs, deploying technology
solutions and employing more and more robots for decision making. investment, instead
of the classic bank manager. In fact, fintechs only provided technological solutions to
banking functionality, but did not bring about substantial changes in the financial
system.
Jonathan McMillan argues that these issues are not fundamental when discussing the
role of banks. Since the Middle Ages, when banks were created, their main function was
to collect deposits from those who had surplus money and, with them, make loans. That
is, the real function of banks is to create domestic currency through credit. In the digital
age, banking has not only gotten out of hand, it has lost its raison d'être. Although no
longer needed, they will continue to dominate the financial system for some time. New

3. 3
possibilities for managing money and credit cannot prevail while uncontrolled banking
is still possible. With full government guarantees and without effective regulation, they
will remain too lucrative despite the tremendous costs they impose on society.
Therefore, it is necessary to end banking activities.
The three main reasons identified by Jonathan McMillan that justify the end of banks'
existence are as follows: 1) The excessive risk they take in doing their credit operations,
lending money they don't have, leading to derivatives and exposing themselves to a
bank run. Imagine if all depositors in a large bank ran to the cashier to withdraw their
deposits. And, in fact, the risk lies not with the banks, but with the government, which
always guarantees the liquidity of deposits, under the maxim that "they are too big to
fail"; 2) banking mixes and intoxicates the monetary policies created by central banks to
prevent social and economic crises such as inflation and unemployment. The connection
between banks and national issues can never produce good results; and 3) excessive
politicization of central banks. The final part of the book is perhaps the most interesting
because it makes concrete proposals to exterminate the banks. The main one is to divide
banking activities into two separate business lines - lending and securing - thus avoiding
the creation of unsecured domestic currency.
McMillan proposes that the bank deposit agreement would once again be a safe deposit
agreement. Restricted bank depositors would receive no interest as their deposits would
no longer be used to lend. Banks would have to have 100% cash coverage, ie cash
equivalent of deposits received. This requirement would ensure that they were always
able to respond to depositors' withdrawal requests. If, for example, a run on banks
occurred, they would have the liquidity to honor all deposits made by customers, thus
waiving the government guarantee, involvement with central banks and, especially,
lending of securities they do not have.
The end of banks is coming not only because of the facts exposed, but because
technology is putting the banking market in check. In the financial sector, this
transformation has already begun. This change is still in its infancy, but the need to go
to a bank to do something relatively simple like to keep your money is a thing of the
past. Of the hundreds of services such an institution could offer, the most important
thing was for your money to be safe and accessible at all times. With the evolution of
technology, to keep money has lost relevance. Today people are much more concerned
about paying anything with a credit or debit card without having to withdraw money
from the bank. This can make banks unnecessary. What people have begun to realize is
that the service delivered by banks no longer meets their needs. Companies, in turn, are
already seeing this, and every day they are moving toward changing their money-
sending and receiving operations from banks.
Worldwide, a completely innovative category of financial services has been called
payment banking. A new type of company provides very similar services to banks, but
they are not really financial institutions, but payment intermediaries. Some examples are
Paypal, PayTM and AirTel. In Brazil, we are moving towards an environment of total
debarking of financial services. By regulating payment arrangements by the Central
Bank and understanding the powers of such institutions, the Central Bank could offer
the market the ability to take power from the five largest banks in Brazil and
democratize access to the national financial system.

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2. The end of money
Money, in the traditional sense, died two decades ago, eclipsed by a new trading
economy. The age of the death of money is becoming viable with the construction of
new economic relations. These new relationships are as follows:
• Pure exchange, which does not involve the use of money in any way;
• Partial exchange, which is designed to minimize the use of official money; and,
• Exchange based on the use of money alternative to substitute official money.
The death of the check, paper or metal money and card is accelerating. All are being
replaced by digital payments. Dematerialization of money advances, even for those
without a bank account who no longer need a bank account to access the financial
system. Everything is changing: who processes the payment, how we make the
payment, and the currency used. China, for example, has abandoned money by going
straight to digital payments without going through a credit card because it is very
expensive to deal with physical money (security, transportation, where to store,
handling, transfers).
Digital platforms such as Google, Facebook and WeChat (a Chinese mix of Face,
Google, WhatsApp, digital banking, IFoods) are becoming financial agents and will
challenge banks. Account or credit card debit will be replaced by biometric
authorizations (voice command or face recognition, which reads the face and transfers it
to the store where the person is). Or possibility is pre-payment authorization, as we do
when we use Uber. In Denmark it is already paid digitally. AmazonGo stores register
the customer's entry by mobile, he picks up what he wants, without going to the cashier.
Account payments are already made by giving data or using points in loyalty programs.
With cryptocurrencies like bitcoin, payment digitization will increase.
Note that bitcoin is a decentralized cryptocurrency, being a form of electronic money.
Bitcoin is a digital, decentralized currency that requires no third party to function. This
means that it does not depend on banks, large corporations or governments to move
money. Bitcoin was the world's first cryptocurrency and has been running without
interruption for eight years, based on an extremely secure decentralized network called
Blockchain created by Satoshi Nakamoto. Bitcoin's main advantages are: freedom of
payment, lower fees, security, privacy, control and transparency. No Bitcoin can be
confiscated. Payments may be made at lower rates. In addition, Bitcoin is secure and
gives more privacy, control and transparency in trading.
Bitcoin can also be used as an investment for those looking to diversify their equity for
better earnings. Bitcoin has yielded excellent returns and is likely to become more
popular in the long run. Bitcoin is safer than the money you have today in the bank. The
security level provided by Bitcoin is much higher than that of traditional banks. In
Bitcoin there is not a single point of failure for any malicious actor to be able to attack
the network because it would have to break into millions of computers worldwide which
is an impossible task. With Bitcoin you have your own bank. Downloading a bitcoin
wallet is like having a bank branch available in your hands 24 hours a day. No fees, no
boring manager and able to transfer your transaction in no time.

5. 5
Creating a bitcoin wallet is easy and costs nothing. Just as there are several ways to
interact with your bank, you can interact with your bitcoin wallet in a variety of ways,
via the smartphone app and desktop / notebook program. Blockchain technology is a
type of distributed database where bitcoin transactions are recorded. This technology
allows this data to be transmitted between all network participants in a decentralized
and transparent manner. Thus, trust with a third party or central entity is not required for
the accounting data to be correct and not to be fraudulent. The blockchain is a public
transaction book, although it has some anonymous information. Bitcoin is associated
with a number that only its owner knows by simply converting to a non-virtual currency
that is all clear.
3. The end of the international financial system
While banks and money are under threat, the international financial system is collapsing
with the likely collapse of the dollar. It should be noted that no reserve currency such as
the dollar has existed forever. The dollar has dominated the world for almost a century.
Although the dollar is considered to have replaced the British pound after the Bretton
Woods conference at the end of World War II, the value of the pound had fallen long
before that conference.
The US dollar-led financial system is beginning to point to the rapid loss of confidence
in the US dollar. The loss of confidence in the dollar is manifested by the fact that
central banks around the world are excluding the US currency from their reserves. This
loss of confidence stems from the fact that the current world economic crisis shows that
a monetary system based on paper currency freely issued and without ballast by
governments around the world is inherently unstable whose inevitable consequences of
this process are: artificial economic growth, the euphoria and the bad investments that
such growth generates, and finally the depressions.
It seems that in the coming decades the global economy will move from dominance of
the United States and the dollar to a system in which Asia will have more power. In the
monetary context, this means that the dollar will probably be cheaper against other
currencies, including gold. It is important to note that the dollar gained its status as a
world currency thanks to the strength of the US economy. But the current situation does
not favor the strengthening of its position, or even its maintenance in view of China's
rise as hegemonic economic power.
It should be noted that since the West abandoned the classic gold standard (in which
transactions were made in gold coins or 100% gold-backed certificates) in 1914, the
international monetary system has been oscillating between a bad system and a worse
one. Some countries adopt fixed exchange rates and soon afterwards repent and return
to floating exchange rates. Other countries do the reverse movement. On August 15,
1971, while imposing a price and wage freeze on a vain attempt to control explosive
price inflation, US President Richard Nixon imposed a resounding end to the Bretton
Woods system which set the gold standard for the international financial system.
Because European central banks were threatening to redeem as much gold from their
swollen dollar stocks as possible, Nixon completely wiped out what was left of the gold
standard. For the first time in American history, the dollar was fully fiduciary, with no
gold backing.

6. 6
Since the United States completely abandoned the gold standard in August 1971 and
established the floating paper currency system in March 1973, the United States and the
world have suffered the most intense, most constant and longest inflationary periods in
world history. It is becoming clear that the world no longer admits the crises generated
by this unprecedented and unhindered inflation, which has been brought on by the
floating currency system itself, which has been in place since 1973. Looking ahead, the
diagnosis that can be made for dollar and for the international monetary system is
indeed bleak. Unless it returns to the classic gold standard at a realistic price, the
international monetary system is bound to continually switch between fixed and
fluctuating exchange rates, with each system continuing to face unsolvable problems
and working poorly until it reaches its final disintegration. And stimulating this
disintegration will inevitably be the supply inflation of dollars.
The prospects for the future are for accelerated monetary inflation in the United States,
followed by an international monetary collapse. This prognosis can only be changed if
there is a drastic change in the US and international monetary system with the return to
a free-market commodity currency - such as gold - and a complete removal of
government interference with monetary issues. Data on foreign exchange reserves show
a diminishing role of the dollar. In 2018, the dollar's share of international reserves fell
to 61.7%, which is the minimum level in the last 20 years.
In recent years several countries have actively sought opportunities to create a reserve
currency and abandon the dollar. The oil trade between Russia and China is already
done without the participation of the dollar. These countries intensified resource
extraction and began buying more gold to prepare for the collapse of the US currency.
The tendency to abandon the dollar clearly indicates the diversity of world currencies
that can replace it, such as the euro and the Chinese Yuan.
Following the departure of the United States from the nuclear deal with Iran, the
European Union intends to buy oil without using the dollar. After Russia and China
decided to switch to the Yuan instead of the dollar, a wave of “desdollarization” has
swept the world. Iran, Venezuela, Angola, Indonesia, Malaysia, Thailand and Pakistan
have already expressed their desire to abandon the dollar or reduce its use in oil trading
and other financial transactions. Russia understands that under the pressure of
petrodollar its economy is in danger of being strangled. James Rickards, author of The
Death of Money (Penguin Random House UK), proposes to create a new globally
competitive, gold-backed currency that is strong enough to topple the dollar system.
The abandonment of the dollar as a world reserve currency is also driven by the
possibility of the bursting of the US public debt bubble that will reach 140% of GDP by
2024. The US Congressional Budget Department predicts that the deficit This year's
fiscal year is US$ 897 billion and by 2022 exceeds the trillion mark. Experts speculate
that the US government has little time to reverse this situation that, otherwise it will
endure a large-scale crisis comparable to the Great Depression of the 1930s. If the
global economy is unable to digest this huge debt, The subsequent crisis will lead the
world to economic depression, mass poverty, geopolitical instability, political unrest,
and war.
According to the International Finance Institute report, global debt increased by US$

7. 7
3.3 trillion last year to US$ 243 trillion. This is a record amount three times the world
GDP. In developed countries, the extremely high debt ratio reached 390% of GDP. The
world economy may not resist 243 trillion dollars of debt. Economists warn that when
this multi-trillion-dollar bomb planted under the world economy explodes, the crisis
will be worse than in 2008. In late 2018, the International Monetary Fund (IMF) pointed
to unsustainable global debt as the main threat to the world economy. The IMF said the
real global debt engine is the United States, whose deficit has nearly tripled since 2000
and now exceeds $ 73.6 trillion, or 106 percent of GDP. US global debt is a factor
contributing to the abandonment of the dollar as a world reserve currency.
James Rickards states in his book The Death of Money that the end of the dollar will
lead to three scenarios: 1) its replacement by a world currency (SDR - Special Drawing
Rights: a currency created by the International Monetary Fund used for inter-country
payments); 2) the adoption of the gold standard; and 3) social disorder. The first
scenario that contemplates the replacement of the dollar by the SDR as a global reserve
currency is already underway. Over time, the dollar's weight in the SDR basket in favor
of the Chinese currency, the Yuan, will gradually be reduced. SDR will be under
pressure to stabilize the international financial system as it was done in 1979 and 2009.
China's agreement will be needed to use the SDR that insists on using it not to save the
dollar as it did in the past, but to replace the dollar as soon as possible. The transition
will be inflationary in dollar terms due to its devaluation from the SDR.
The second scenario considers the adoption of the gold standard as another alternative
to the ceaseless printing of the dollar by the United States government, according to
Rickards. This can push inflation to the extreme with gold by restoring confidence or
raise deflation to the extreme with gold reevaluated by governments to raise the overall
price level. The gold standard should be adopted when confidence collapses. Rickards
states that the adoption of the dollar standard associated with the dollar and SDR is
inflationary because gold would have to be revalued upwards to support global trade
and finance with the current gold stock. The third scenario of social disorder will take
the form of neo-fascism by the ruling governments when wage and price controls will
be used to control inflation and digital surveillance will be used to combat the black
market. Monetary turmoil would be quickly crushed by government action.
Of these three scenarios above, the most likely scenario is that of social disorder when
neo-fascist governments and world financial agencies will act with an iron fist to control
national economies and the global financial system, respectively. The scenario of social
disorder will be imposed not only by the impossibility of substituting the dollar for the
world currency (SDR) and the adoption of the gold standard associated with the dollar
and the SDR, but for the probable end of the world capitalist system from the middle of
the 21st century, as shown in the article The End of the World Capitalist System in the
Mid-21st Century (ALCOFORADO, Fernando. The End of the World Capitalist System
in the Mid-21st Century. Available at the website <
https://www.academia.edu/39554532/THE_END_OF_THE_WORLD_CAPITALIST_S
YSTEM_IN_THE_MIDDLE_OF_THE_21ST_CENTURY >, 6/13/2019). The end of
the world capitalist system in the mid-21st century will bring the international financial
system to an end at this time as well.
4. Conclusions

8. 8
From the foregoing, it follows that:
• Banking activities no longer need to be performed by banks. In the digital age,
banking has not only gotten out of hand, it has lost its raison d'être. Your services can be
performed by technology, which is already happening.
• With full government guarantees and without effective regulation, banking activities
will remain too lucrative despite the tremendous costs they impose on society.
Therefore, it is necessary to end banking activities.
• New possibilities for managing currency and credit cannot prevail while uncontrolled
banking is still possible.
• To continue to exist, banks should have 100% cash coverage, ie cash equivalent of
deposits received. This requirement would avoid their bankruptcy.
• Banks are coming to an end because technology is putting the banking market in
check. With the evolution of technology, saving money has lost relevance. We are
moving towards an environment of total nobanking of financial services.
• Money, in the traditional sense, died two decades ago, eclipsed by a digitized trade
economy. The death of the check, paper or metal money and credit card is accelerating.
All are being replaced by digital payments. With cryptocurrencies like bitcoin, payment
digitization will increase.
• The world financial system is collapsing with the collapse of the dollar. The US
dollar-led financial system is beginning to point to the rapid loss of confidence in the
US dollar.
• The loss of confidence in the dollar is manifested by the fact that central banks around
the world are excluding the US currency from their reserves. This loss of confidence
stems from the fact that the current world economic crisis shows that a monetary system
based on paper currency freely issued and without ballast by governments around the
world is inherently unstable whose inevitable consequences of this process are: artificial
economic growth, the euphoria and the bad investments that such growth generates, and
finally the depressions
• The abandonment of the dollar as a world reserve currency was also driven by the
possibility of the bursting of the US public debt bubble reaching 140% of GDP by 2024.
The IMF said the real global debt machine is the United States, whose The deficit has
almost tripled since 2000 and now exceeds $ 73.6 trillion, representing 106% of GDP.
• The end of the dollar will lead to three scenarios: 1) its replacement by a world
currency (SDR - Special Drawing Rights: a currency created by the International
Monetary Fund used for inter-country payments); 2) the adoption of the gold standard;
and 3) social disorder.
• The most likely scenario for the world financial system is that of social disorder when
neo-fascist governments and world financial bodies will act to control the global

9. 9
financial system and prevent its collapse by repressing social movements with an iron
fist. The scenario of social disorder will be imposed not only by the impossibility of
substituting the dollar for the world currency (SDR) and the adoption of the gold
standard associated with the dollar and the SDR, but mainly for the probable end of the
world capitalist system from the middle of the century XXI.
• The end of the world capitalist system in the mid-21st century will bring the
international financial system to an end at this time as well.
The likely demise of banks, money and the international financial system points to the
need for a new international system that avoids the scenario of social disorder in the
world and ensures the governance of the world economy. The governability of the
world economy will only be achieved with a world government democratically elected
by all the peoples of the world [ALCOFORADO, Fernando. Como inventar o futuro
para mudar o mundo (Inventing the future to change the world). Curitiba: Editora CRV,
2019].
REFERENCES
ALCOFORADO, Fernando. Como inventar o futuro para mudar o mundo. Curitiba:
Editora CRV, 2019.
______________________. The end of the world capitalist system in the mid-21st
century. Available on the website
<https://www.academia.edu/39554574/O_FIM_DO_SISTEMA_CAPITALISTA_MUN
DIAL_EM_MEADOS_DO_S%C3%89CULO_XXI>, 06/13/2019.
CHESNAIS, François. Les dettes illégitime. Quand les banques font main basse sur les
politiques publiques. Paris: Editions Raisons d´agir, 2011
MCMILLAN, Jonathan. O fim dos bancos. São Paulo: Publisher Schwarcz S.A. 2018.
MISES BRASIL. As crises monetárias mundiais. Available on the website
<https://www.mises.org.br/Article.aspx?id=258>.
RICKARDS, James. The Death of Money. Penguin Random House UK, 2014.
SOUTO, Ivyna. A morte do cheque, do dinheiro em papel e do cartão está próxima.
Available on the <https://www.polemicaparaiba.com.br/polemicas/a-morte-do-cheque-
do-dinheiro-em-papel-e-do-cartao-esta-proxima/>, 07/04/2019.
SPUTNIKNEWS. World financial system collapses: How does the world prepare for
the collapse of the dollar? Available on the website
<https://br.sputniknews.com/economia/2018060511387106-financas-dolar-colapso-
crise-china/>, 2018.
WIKIPEDIA. Bitcoin. Available on the website <https://pt.wikipedia.org/wiki/Bitcoin>.

Fernando Alcoforado, 79, awarded the medal of Engineering Merit of the CONFEA / CREA System,
member of the Bahia Academy of Education, engineer and doctor in Territorial Planning and Regional
Development by the University of Barcelona, university professor and consultant in the areas of

10. 10
strategic planning, business planning, regional planning and planning of energy systems, is author of the
books Globalização (Editora Nobel, São Paulo, 1997), De Collor a FHC- O Brasil e a Nova (Des)ordem
Mundial (Editora Nobel, São Paulo, 1998), Um Projeto para o Brasil (Editora Nobel, São Paulo, 2000),
Os condicionantes do desenvolvimento do Estado da Bahia (Tese de doutorado. Universidade de
Barcelona,http://www.tesisenred.net/handle/10803/1944, 2003), Globalização e Desenvolvimento
(Editora Nobel, São Paulo, 2006), Bahia- Desenvolvimento do Século XVI ao Século XX e Objetivos
Estratégicos na Era Contemporânea (EGBA, Salvador, 2008), The Necessary Conditions of the
Economic and Social Development- The Case of the State of Bahia (VDM Verlag Dr. Müller
Aktiengesellschaft & Co. KG, Saarbrücken, Germany, 2010), Aquecimento Global e Catástrofe
Planetária (Viena- Editora e Gráfica, Santa Cruz do Rio Pardo, São Paulo, 2010), Amazônia Sustentável-
Para o progresso do Brasil e combate ao aquecimento global (Viena- Editora e Gráfica, Santa Cruz do
Rio Pardo, São Paulo, 2011), Os Fatores Condicionantes do Desenvolvimento Econômico e Social
(Editora CRV, Curitiba, 2012), Energia no Mundo e no Brasil- Energia e Mudança Climática
Catastrófica no Século XXI (Editora CRV, Curitiba, 2015), As Grandes Revoluções Científicas,
Econômicas e Sociais que Mudaram o Mundo (Editora CRV, Curitiba, 2016), A Invenção de um novo
Brasil (Editora CRV, Curitiba, 2017), Esquerda x Direita e a sua convergência (Associação Baiana de
Imprensa, Salvador, 2018, em co-autoria) and Como inventar o futuro para mudar o mundo (Editora
CRV, Curitiba, 2019).