Banks’ use fees for customer behaviour modification | Cap Gemini


Cap Gemini have a 2007 review of Banks fees.  Please note that its co-sponsored by ING, the no fee Bank. The average fee is €77 but the thing that stands out as it did in previous reports, is the North American picture.  North Americans pay through the nose for banking – no doubt there.  Asia is cheapest, and Europe has the narrowest distribution (least competition?).  Hat tip to Chris Skinner for this one.  Full report is here. But as usual the devil is in the details.  In terms of homogeneity, five countries have the least differentiation: Austria          6% UK                5% … Continue reading Banks’ use fees for customer behaviour modification | Cap Gemini

2007 Networked Readiness – Country ranking


 I have been reading this ranking all week.  The big news is the significant drop of the US and Canada, as European countries leapt up. I felt that at LIFT in Geneva.  While Silicon Valley and the US is tacitly referred to as the leaders, its clear that the thought leaders are in Europe. The sixth annual Global Information Technology Report from the World Economic Forum (WEF) in Geneva compares 122 countries on dozens of criteria, from Internet penetration to educational attainment to availability of venture capital. Source: 2007 Networked Readiness Here is the top 30. Many factors are taken into … Continue reading 2007 Networked Readiness – Country ranking

Top careers for the next few years is telling for Banks’


 US News produces a list of the top careers for the next few years, and there are some surprises, at least for me, and the speed of social transition.  U.S. News has sifted through trends in the economy and the workplace and has identified 25 professions that will be in growing demand as baby boomers age, the Internet becomes ubiquitous, and Americans seek richer, simpler lives. Source: USNews.com: Best Careers 2007 Here is the list – surprises for me: lack of scientists lack of technology (except for System Analyst) No Financial jobs!  Bankers beware! Medical related and Management Consultant comprise … Continue reading Top careers for the next few years is telling for Banks’

Belgians reconsider rolling out Maestro for domestic payments


Interesting development in Belgium, reported by Donald, that might well be a forerunner to similar actions elsewhere, as the real issues & costs associated with SEPA ( Single Euro Payments Area ) are flushed out. The main issue is whether all brave and tough speeches by cartel-busters are merely gallery-play fr the public or a reflection of a serious determination to end interchange fees in Europe Source: Linkdump on Payments: Belgians reconsider rolling out Maestro for domestic payments   Technorati tags: SEPA, Belgium, Payments Continue reading Belgians reconsider rolling out Maestro for domestic payments

Thoughts on virtual reality, and e-commerce


Fantastic, but unattributed quote [update – source]  from the ETech backchannel, picked up by (the other) Dan Dickinson.    Supposedly, virtual worlds will eventually be our interface for everything online, a far friendlier and more fun and “easier” interface than, say, eBay. This is, when you think about it, a crock of shit; when I want to buy a shirt, I for sure don’t want to walk through a virtual mall. In fact, the reason I go online to buy a shirt is to avoid walking through a goddamn mall. Give me quick access to your shirts and swift checkout, and I’m a … Continue reading Thoughts on virtual reality, and e-commerce

Dana Boyd speaks about relevance and social networks


Dana specialises on Social Networks.  Her talk at eTech is summarised here at Raph Kosters site.  Good insight here. Social networks are the issue de jour, but she does a nice job at isolating the views of different generations, which in turn talks to the relevance of social networks. the question is what people care about. Family, friends, religion, labor, etc. It shifts over time. 1. friends, attention, play, sex, consumption2. sex, friends, money, play, labor3. labor family money power property4. family, health, religion, hobbies, friends For example, its easy to see why stage 3 and 4 people would be active … Continue reading Dana Boyd speaks about relevance and social networks

Web 2.0 or 1984 – which way is right?


 Interesting survey with Orwellian conclusions that need some thought.  First the survey. Survey Results highlights: 87 percent of office workers access Web 2.0 sites each week, with 63 percent accessing the sites one or more times a day;  51 percent of office workers spend one or more hours a week using and accessing Web 2.0 sites when at work; 46 percent of office workers have discussed work-related issues on social media websites; 71 percent of office workers use Web-based email at work for personal reasons; and  50 per cent of office workers believe that employees should be entitled to access … Continue reading Web 2.0 or 1984 – which way is right?

Technology update | Adobe Apollo & Firefox 3 will redefine browsers


 Just when you were getting comfortable, look out.  Consider a browser that works offline as well as on.  As someone who is never offline, even I need to get my mind around this, but there is enough work ocurring here, I am open minded enough to think it must be for a reason.  The Apollo team from Adobe is here at ETech, presenting the Alpha version of their new runtime environment – which is aimed at empowering web developers to create desktop applications. Apollo is a lightweight virtual machine that runs on the desktop and acts as an interpreter of … Continue reading Technology update | Adobe Apollo & Firefox 3 will redefine browsers

Poynter Online – EyeTrack07: The Myth of Short Attention Spans


Now this is interesting.  Reported here, that Poynter studied people using eye tracking technology to establish how people read things.  The reading-deep phenomenon is even stronger online than in print. Source: Poynter Online – EyeTrack07: The Myth of Short Attention Spans There are a million ways to discredit this kind of research, but on the positive side, I like the idea that people select what they want to read, one page at a time, and read it.  Online, and particularly when supplemented with RSS provides the capability to bring the news/ information that you want, to you.   Technorati tags: Online+offline+reading habits Continue reading Poynter Online – EyeTrack07: The Myth of Short Attention Spans

Toyota Bank Poland – including smart cards, and online banking tokens


A contact in Poland sent me this updated link, that we reported on last December.  The site seems to be up and running now, with the obvious lead of a Toyota branded Visa card. Link to Toyota Bank What in particular caught my attention, is the Toyota branded security token for online banking.   Technorati tags: Toyota+Bank, Poland Continue reading Toyota Bank Poland – including smart cards, and online banking tokens