{"title":"Elena Botella","description":"\u003cp\u003e\u003cstrong\u003eElena Botella\u003c\/strong\u003e is a distinguished author in the realm of business and entrepreneurship literature. Known for her insightful analysis and engaging writing style, Botella brings a distinctive clarity to complex financial topics. Her works are a must-read for anyone interested in understanding the intricacies of the modern banking and credit industries.\u003c\/p\u003e\n\n\u003cp\u003eThe book \u003cem\u003eDelinquent\u003c\/em\u003e stands out as a compelling account of her exploration into the world of credit card debt. Botella deftly navigates the reader through the challenges consumers face and questions the ethical responsibilities of financial institutions. With a background in both banking and journalism, she possesses a unique perspective, making her books both informative and thought-provoking. \u003c\/p\u003e\n\n\u003cp\u003eWhether you're an aspiring entrepreneur, a business professional, or simply someone eager to learn more about financial systems, Elena Botella's collection offers invaluable insights. Her work not only educates but also encourages readers to think critically about the financial choices that shape our lives.\u003c\/p\u003e","products":[{"product_id":"delinquent-by-elena-botella-9780520380356","title":"Delinquent","description":"\u003cdiv class=\"book-description\"\u003e\n\u003cp\u003e\u003cstrong\u003eA consumer credit industry insider-turned-outsider explains how banks lure Americans deep into debt, and how to break the cycle.\u003c\/strong\u003e\u003c\/p\u003e\n\n\u003cp\u003e\u003ci\u003eDelinquent\u003c\/i\u003e takes readers on a journey from Capital One’s headquarters to street corners in Detroit, kitchen tables in Sacramento, and other places where debt affects people's everyday lives. Uncovering the true costs of consumer credit to American families in addition to the benefits, investigative journalist Elena Botella—formerly an industry insider who helped set credit policy at Capital One—reveals the underhanded and often predatory ways that banks induce American borrowers into debt they can’t pay back.\u003c\/p\u003e\n\n\u003cp\u003eCombining Botella’s insights from the banking industry, quantitative data, and research findings as well as personal stories from interviews with indebted families around the country, \u003ci\u003eDelinquent\u003c\/i\u003e provides a relatable and humane entry into understanding debt. Botella exposes the ways that bank marketing, product design, and customer management strategies exploit our common weaknesses and fantasies in how we think about money, and she also demonstrates why competition between banks has failed to make life better for Americans in debt.\u003c\/p\u003e\n\n\u003cp\u003e\u003ci\u003eDelinquent\u003c\/i\u003e asks: How can we make credit available to those who need it, responsibly and without causing harm? Looking to the future, Botella presents a thorough and incisive plan for reckoning with and reforming the industry.\u003c\/p\u003e\n\u003c\/div\u003e","brand":"Unknown","offers":[{"title":"Default Title","offer_id":46854445924588,"sku":"9780520380356","price":50.99,"currency_code":"NZD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0705\/7784\/8556\/files\/d4d790f358a0da34d3040a9e3865ed03.jpg?v=1759270080"}],"url":"https:\/\/bookhero.live\/collections\/elena-botella.oembed","provider":"Book Hero","version":"1.0","type":"link"}