BUSINESS MODELS

“A society grows great when old old men plant trees they will never see”  Greek Proverb It is no longer enough to make money. Whilst there is nothing wrong with making money, it is no longer enough in a world where connection, sustainability, authenticity and caring are being held more …

This is not a crisis of epidemiology. It’s a crisis of epistemology. It’s nor a health or economic crisis. We are in a crisis of how we think. In a world awash with knowledge we are struggling with the truth; how we discuss and discover the truth. This is exacerbated …

How established and challenger banks can meet customers’ soaring expectations Competition in the banking industry is cut-throat, more so than it has ever been. The rivalry doesn’t involve just established banks who’ve been in the business for tens or even hundreds of years. A flurry of challengers have popped up …

Today, 23 July 2019, Moroku, which lets banks capitalize on the power of gamification to build rich customer engagement, announces that it has signed up Swiss firm Pangea to help it accelerate international expansion. Moroku is seeing a significant increase in activity as banks face up to new competition. Open …

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” …

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 …