Category: Business Models

banking, Business Models

Why It Is So Hard to Sell Core Banking Systems

Colin Henderson

A well written piece that encasulates the difficulties Banks’ organisation naturally resist change. At the heart of the challenge are the people running the banks. Broadly speaking, there are two types. The first are stewards—or what I call “babysitters.” These bankers are conservative, risk-averse, and focused on not rocking the boat. They’re not sabotaging the bank’s future, but they aren’t championing innovation either. Their mindset is survival, not transformation. The second type are mavericks—rare individuals who look beyond their own tenure. They want to future-proof the bank, save customers money, and avoid being the “Kodak” or “Blockbuster” of finance. They … Continue reading Why It Is So Hard to Sell Core Banking Systems

banking, Business Models

Victor Leung on banks development of breakthrough products

Colin Henderson

A useful and common sense modern approach. The lead in shown is exactly how most banks approach product development. ———————————— Read on blog or ReaderVictor Leung How to Develop Breakthrough Core Banking Products and Services By Victor Leung on September 14, 2025 Banks must develop major innovations to prosper, but they don’t know how to. Many still try to build them with an old producer model. In that model, vendors publish roadmaps, banks write long requirement documents, and system integrators deliver projects after months of work. Academic research and field practice point to a different path. Important innovation often come from users. These users share and … Continue reading Victor Leung on banks development of breakthrough products

AI, Business Models, Innovation, productivity

Blackrock Investment themes 2025

Colin Henderson

In listening to Blackrock Jay Jacobs Head of ETF he mentioned the investment themes Blackrock has identified in the context of re-industrialisation of the economy. See below for detail, but the core three are: Mega Force Description & Investment Implications Demographic Divergence Aging populations in developed economies are expected to constrain growth and productivity, while emerging markets with younger populations and expanding middle classes may benefit from higher growth potential[3][5]. Digital Disruption & AI The rapid adoption of artificial intelligence and digital technologies is transforming productivity, business models, and entire industries. BlackRock sees AI as a foundational driver of future … Continue reading Blackrock Investment themes 2025

AI_factories, AI_research, Business Models, Palantir

Palantir Advocates for Balanced Data Privacy Legislation in RFI Response

Colin Henderson

This blog post highlights Palantir’s response to a Request for Information from the House Energy and Commerce Committee’s Privacy Working Group, which is exploring the creation of a national data privacy law. For more information about Palantir’s contributions to AI Policy, visit our website here. Introduction In April, Palantir submitted a response to a Request for Information from the House Energy and Commerce Committee’s Privacy Working Group regarding its efforts to develop a federal comprehensive data privacy and security law. How the federal government finally works to resolve the challenges of a patchwork of consumer privacy legislation is not just … Continue reading Palantir Advocates for Balanced Data Privacy Legislation in RFI Response

Business Models, Infrastructure, Risk, Uncategorized

Operations and Operational Art and applicability to other business

Colin Henderson

THE UNITED STATES NAVAL WAR COLLEGE JOINT MILITARY OPERATIONS DEPARTMENT On Operations: Operational Art and Military Disciplines Kindle Edition by Brett Friedman (Author) Link is a primer for the book. On Operations and Operational Art – military terms which roughly equates to method and approach for Operations and for conducting Operations. If that explanation is fuzzy, that is because it is fuzzy. I am just working through the book and there are different approaches in Germany/ Prussia versus more recent US and UK. This post is simply to capture the beginning of what I am learning and of course how … Continue reading Operations and Operational Art and applicability to other business

AGI, AI, bots, Business Models

The Disagreement Bot Invasion is Currently Underway (Koat.ai)

Colin Henderson

The Disagreement Bot Invasion is Currently Underway December 19, 2024 Disagreement Bots’ Function: These bots use AI to challenge users’ posts, aiming to encourage critical thinking and deeper conversations. Operating Mechanism: They employ algorithms and machine learning to analyze posts and generate relevant counterarguments. Applications and Goals: Developers use these bots to stimulate critical thinking and meaningful discussions on social media. Disagreement Bots’ Impact: Can manipulate public opinion, spread disinformation, and escalate conflicts. Identifying Disagreement Bots: Look for rapid, structured responses, consistent tone, and a focus solely on countering posts. Motivations for Creation: Gathering user reaction data for marketing or … Continue reading The Disagreement Bot Invasion is Currently Underway (Koat.ai)

AI, Business Models, Cybersecurity, Data-Framework

Structure of High-Quality AI Prompts

Colin Henderson

From various online sources – refer sources below Effective AI prompting is foundational to maximizing business value from generative AI systems. The quality of a prompt directly determines the relevance, accuracy, and usefulness of the AI’s output. Below is a structured guide to constructing expert-level prompts, highlighting mandatory elements, discretionary enhancements, and common pitfalls to avoid. Mandatory Elements of a Good Prompt ———————— Discretionary (Enhancing) Elements ———————— Items to Avoid in AI Prompts ———————— Summary Table: AI Prompt Structure Element Mandatory Discretionary To Avoid Clear Directive ✔ Vague/ambiguous instructions Context ✔ Irrelevant or excessive details Output Format ✔ Unspecified or … Continue reading Structure of High-Quality AI Prompts

Business Models

The US and UK are both cutting red tape – but will this help consumers?

Colin Henderson

Attributed to Monica Eaton, Founder and CEO of Chargebacks911: “The recent executive order granting the White House direct control over independent regulators like the Securities and Exchange Commission (SEC), Federal Trade Commission (FTC), and Federal Communications Commission (FCC) is a concerning shift that could reshape financial oversight, consumer protections, and technology regulation. This move, mirrored by developments in the U.K., signals a broader global shift in regulatory control—one that threatens to stifle competition and innovation, not enhance them.” “With the shuttering of the Consumer Financial Protection Bureau (CFPB), the launch of innovative new systems like Open Banking now hangs in … Continue reading The US and UK are both cutting red tape – but will this help consumers?

AGI, Business Models, sociology2 Comments

The book “Dark Side of Modernity”

Colin Henderson

has been analyzed by several key social theorists who highlight its dual nature and contradictions: Major Theoretical Perspectives Max Weber Georg Simmel Shmuel Eisenstadt Talcott Parsons Jeffrey Alexander Zygmunt Bauman The common thread among these theorists is their recognition of modernity’s Janus-faced character, simultaneously promising progress while bringing suffering[1][4]. Sources[1] The Dark Side of Modernity – Yale Sociology https://sociology.yale.edu/publications/dark-side-modernity%5B2%5D [PDF] the meaning of modernity – John Dwyer https://jdwyer.info.yorku.ca/files/2015/10/DWYER_MODERN_AGE_LECTURES.pdf%5B3%5D [PDF] Bauman and contemporary sociology https://www.asau.ru/files/pdf/1632927.pdf%5B4%5D The Dark Side of Modernity | Wiley https://www.wiley.com/en-us/The+Dark+Side+of+Modernity-p-9780745665061%5B5%5D The Dark Side of Modernity Theme in Beyond Good and Evil https://www.litcharts.com/lit/beyond-good-and-evil/themes/the-dark-side-of-modernity%5B6%5D [PDF] Kara Abdolmaleki – ERA – … Continue reading The book “Dark Side of Modernity”