A competent but not exceptional Discworld novel that delivers sharp banking satire and solid character work for Moist von Lipwig, though it lacks the innovative spark of Pratchett's finest work.
What works
• Sharp characterization of Moist von Lipwig as a morally ambiguous former con man whose criminal instincts serve him well in legitimate banking
• Effective economic satire that makes complex financial concepts accessible while targeting specific absurdities like bank fees and institutional appearance over substance
• Banking guild resistance to change mirrors real-world financial politics with uncomfortable accuracy, showcasing strong social commentary
• Perfectly timed footnotes provide comedic relief and detailed world-building that rewards careful readers
What doesn't
• Pacing issues in middle sections where economic exposition occasionally overshadows narrative drive
• Resolution relies too heavily on coincidence and Moist's ability to talk his way out of impossible situations
• Some story patterns feel predictable by the 36th book in the series, even when executed skillfully