Congratulations for William, Vancity, and the team. …. ChangeEverything.ca had won the status of Official Honoree at this year’s Webby Awards. Source: william azaroff | blog Technorati tags: Webby, Vancity, changeeverything.ca Continue reading ChangeEverything.ca (Vancity) receives Webby honoree award
Nicolas analyses the idea of Banking business models with Community as a base. What I found interesting is how he pulls out the distinctions in Zopa and Prosper as different but effective community models. hat tip Jean Christophe J’en tire pour conclusion qu’il existe deux modèles de Banque 2.0 : – Modèle “Top down” : Le portage du modèle de la banque dans le mode de fonctionnement des communautés. – Modèle “Bottom up” : L’extension à l’ensemble des communautés d’un modèle d’intermediation monétaire inter-personnel. Google translation I draw some for conclusion which there are two models of Bank 2.0: – … Continue reading Banque 2.0 – why its an effective model for Banking
Doug does an interesting job here comparing different markets, and the decision points for consumers, pointing to the commoditisation of loans. Lowest price Convenience – same side of the street Urgency – low fuel light came on and you pulled in to the next gas station you saw Loyalty – always use the same gas station Cleanliness – pumps and station are clean Hunger or Thirst – filled up and went in to the convenience store Speed – like the pay at the pump system at the preferred gas station Rewards – get rewards at the gas station used Source: … Continue reading Gas (Petrol) station banking
This is a long and rambling article full of anecdotes, requiring the reader to form their own conclusions, but its still a very powerful piece. It has anecdotes about all the recent corporate mis-steps, such as Edelman/ Walmart, Southwest Airlines, and a host of other. But here’s the interesting paradox: The reputation economy creates an incentive to be more open, not less. Since Internet commentary is inescapable, the only way to influence it is to be part of it. Being transparent, opening up, posting interesting material frequently and often is the only way to amass positive links to yourself and … Continue reading The reputation economy | transparency as a judo move
Datamonitor report that Banks continue to treat internet as a service channel, and are failing to capitalise on soaring consumer adoption rates and convert online services to sales.[hat tip Finextra] Karina Purang, financial services analyst at Datamonitor, says a big problem is that banks are struggling to integrate the Internet with other channels and where there is integration in many cases this remains confined to the transactional level, rather than in terms of integrated business processes and a single customer view across multiple channels. This has a negative impact on the customer experience, says Purang, and also prevents banks from … Continue reading Banks are struggling to integrate the Internet with other channels
If you appreciate things happening when you expect, and as you expect .. something that rarely, if ever, occurs in North America (think about that), you must read this. We in North America have no concept of service… none. I will debate that with examples with anyone. I wrote about hits before, but Jan’s post here does real justice to the precision that occurs in Japan, and that will make anyone else in the world simply cringe. Consider … a late subway is not an acceptable excuse … you need a late note, or they won’t believe you. I recommend Jan’s post … Continue reading Jan Chipchase – Future Perfect: Predictability, Margins of Error, Quality of Life
Interesting development here. Recently I saw something about a Chinese venture called QQ for online payments. Now here is Ukash in Europe. Currently issued in the UK, Ireland, Spain and Germany, Ukash is now available for the millions of consumers in 16 additional countries across Europe who don’t have or don’t wish to use credit or debit cards online. Source: Finextra: UKash expands across Europe Place this in context of my earlier post regarding online security… aside form the obvious money laundering issues, this type of payment is one way for a customer to insulate themselves from identity theft, by reducing … Continue reading Online consumers in 20 countries can now shop, play and pay online without debit or credit cards
New survey from Javelin, reported on here at Networkworld conclude something that should be of no surprise given the identity theft issues over the last 3 years in particular, and the visibility in the media to the problem. Stephen Knighten, a statistical analyst at Javelin, said: “We identified an important shift in what concerns consumers most about banking online. ….. the financial services industry must go beyond zero liability protection and offer more comprehensive identity safeguards to gain the trust of consumers Source: Online banking users value security before convenience – Network World I remember thinking and debating back in … Continue reading Online banking users value security before convenience – Javelin
Technorati produce their quarterly report renamed the The State of the Live Web, April 2007. Japanese is the #1 blogging language, and there are 22 blogs in the top 100 media sites, vs 12 last quarter. Link to the full report below. 70 million weblogs About 120,000 new weblogs each day, or… 1.4 new blogs every second 3000-7000 new splogs (fake, or spam blogs) created every day Peak of 11,000 splogs per day last December 1.5 million posts per day, or… 17 posts per second Growing from 35 to 75 million blogs took 320 days 22 blogs among the top … Continue reading Blogs have gone mainstream
Contained in this piece talking about IBM and their recent investors day held outside US for the first time, in Bangalore, India, is a nice summary of the three stages of the global enterprise. Home country base – overseas sales offices Mini HQ’s spread around the world globally integrated – 1 HQ, with work placed in the appropriate country(s) based on cost, skills, and local business environment In a speech last year at INSEAD business school in France, Mr Palmisano set IBM’s Indian move in the context of the modern multinational company. This, he said, had passed through three phases. … Continue reading IBM and globalisation | the three phases of the global enterprise
