colin

Over Choice Unveils 6 opportunities to Nudge

Harry meets Sally, it gets seriously fun. Holidays, parties, cars, moving in together. Weddings, babies, mortgages, retirement planning. The list goes on and all along the way, oh how we yearn for the good old days, when life was simple and Coronation Street was a suspense thriller. We are all …

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An Introduction to Tribal Leadership

Great introduction by John King this week on Tribal Leadership. John’s approach, delivered in his co-authored book, “Tribal Leadership” shows leaders how to employ their companies’ tribes to maximize productivity and profit: Their research, backed up with interviews ranging from Brian France (CEO of NASCAR) to “Dilbert” creator Scott Adams, …

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Financial Literacy is Insufficient

Financial literacy is as old as finance itself. In 1737 Benjamin Franklin was 31and  wrote a column titled “Hints For Those That Would Be Rich.” He signed off with a bit of financial advice: “A penny saved is two pence clear.” Since then there has been no end to the financial literacy programs being rolled …

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Happy Birthday Moroku

7 years ago I left Microsoft. The firm was struggling under Ballmer to shift to the cloud, migrating not only its full technology stack but also and more challenging it’s commercial model, including it’s internal compensation model; how the reps were paid. MS Office tucked up in an “Enterprise Agreement” …

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As we digitise banking, we risk dehumanising it

As we digitise banking, we risk dehumanising it Date: October 20th 2018 For two decades, financial services organisations have deployed zero cost to serve digital banking, internet first and then mobile, to give customers 24*7 access to their money from anywhere. Whilst premised as a great value add for the customer, the …

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Lessons From Australian Businesses On Cracking The US Market

Lessons From Australian Businesses On Cracking The US Market Date: August 20th 2018 If you can make it there, crooned Frank Sinatra, you’ll make it anywhere. However, making it here first might be a good place to start, according to homegrown entrepreneurs we spoke to who plan to grow offshore, and …

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Firms need business model change, not blockchain

Ben Robinson of Temenos has written a great piece on blockchain, the unbundling and subsequent rebundling of banks. Ben describes how in music, it was iTunes which unbundled music to let us buy individual songs. Spotify then rebundled the model to an all-you-can-listen streaming subscription service. This pattern when playd out …

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Playing the Game of Life

Almost 40% of workers in the United States are woefully unprepared for retirement, with less than $25,000 in total savings and investments. That’s not a huge surprise when you consider that 21% of workers with an employer-sponsored retirement plan are not contributing to their plan 44% are saving less than 10% of their income …

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Temenos Innovation Jam 2018

Temenos have 40 of the top 50 banks in the world running their software.  After Moroku’s Chore Scout app was awarded 3rd best retail banking innovation in the world, by Temenos and their customers at their Innovation Jam in May last year, much has happened. After looking at 873 FinTech’s …

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