Chris follows up on Tara’s post on understanding your target audience, that I covered here.  Chris goes to the next level, after understanding your audience, and suggests that becoming a member of your community is the first step.  This makes sense and is understanding your customer 101. The Pinko approach demands that you become a member of your community to truly understand their needs and the world from their perspective. Source: Designing for concentric circles of adoption at FactoryCity  He goes on to outline the best approach of community engagement of like minded people, who will help to carry the … Continue reading Designing for concentric circles of adoption

The always excellent Deutsche Bank Research (when will they get an RSS feed!) produces a nice summary financial2-0.pdf of the issues in P2P lending, and the industry leaders, Prosper and Zopa. Review of the issues here at BankerVision, where the debate is whether P2P lending will create new markets, or cannibalise existing ones. James also refers to an interesting point of view that P2P will merely encourage Banks to become more efficient and eliminate waste in their processes. Nice thought, but the counter internally will always be a combination of inertia, and risk management. My position would be that Bank’s … Continue reading P2P lending: Cut out the middleman?