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Happy Holidays

It has been a big year. It'll be hard to top that one but I look forward to more excitement in the world of financial services in 2010. I'd like to thank Citi for their very predictable share performance throughout the past year or so and nice to see those Tarp funds magically reappearing. Better get the rest of them sorted before the jig is up.

Congratulations to Santander on their predicted performance. There is no guarantee that next year won't bring a few new surprises.

I see a storm coming for mobile transaction providers which mightn't effect everyone, although quite a few might vanish as a result. It shouldn't put everyone off the whole mobile idea though.

I see the internet is still just as insecure, kinda like online banking, your identity and privacy - an illusion. Don't worry it'll be governments to the rescue - they have tax issues and will soon start to care exactly who gets all the money they'll be printing to stop us drowning.

Thank goodness those pesky 30 year mortgages have all but disappeared - how would we tactfully refuse to lend on all those waterfronts? If my understanding is correct then the warming thing is beyond the ability of the current economic system so there'll be some adjustments sooner than you think. Might be a good time to stock up that cabin on the high ground.

On the Bumometrics - DNA front - "discrepancies between technological advances and their mathematical interpretation had meant the system needed to be reviewed." - That is another way of saying the numbers quoted and the assumptions were rubbish - it seems it isn't what it was cracked up to be after all (and that is without criminals or police cooking up or substituting others' dna at crime scenes.)  Look for a total collapse in DNA identity and evidence next year. What snake oil will those security and identity theft experts cook up for us next? I can't wait for the saffron coloured browser bar - that seems like it would be really secure.

I won't be writing anything until the New Year so if you see anything from me it'll be a phantom, kinda like the reverse of some the posts I actually have written which disappeared. I noticed a glitch in the system today where it showed I'd commented on something I hadn't so perhaps it is a good time to change my password and make an exit.

I hope the bonus issue doesn't cast too much of a shadow over anyone's  Christmas festivities. I'll look forward to being just as much of a smart-ass next year and will try to be right as usual.

I wish all finextra readers a very merry Christmas if you celebrate it and if not - the enjoy the holiday (from the Christians).

Best regards



Comments: (3)

A Finextra member
A Finextra member 10 December, 2009, 09:36Be the first to give this comment the thumbs up 0 likes

Hi Dean,

With regards to your 7th paragraph, "I noticed a glitch in the system today where it showed I'd commented on something I hadn't so perhaps it is a good time to change my password and make an exit." yup, you've discovered a slight bug in the system. Your Network Activity is reporting that you've commented on a news item from 2001 - whereas you've actually commented on the recent feature, "A new approach to digital identity".  I've got the whip out and the web team are hard at work rectifying this bug.

Have a great Christmas


p.s. btw: It's always a good idea to regularily change your password!

A Finextra member
A Finextra member 31 December, 2009, 02:23Be the first to give this comment the thumbs up 0 likes

Sorry I didn't get to wait until the New Year for those GSM mobile phone conversations and phone banking sessions to become even more accessible to criminals (it is unlawful to intercept mobile communications in most civilised countries, however even governments don't seem to pay any attention to that one so criminals aren't likely to either):

NYTimes GSM de-encryption available.

Perhaps if your mobile communications are valuable to anyone you might have a discussion with your carrier.

I know of at least one mobile transaction and authentication system unaffected, but the ability of criminals to listen to conversations within minutes may cause a little distress for some others' applications.

John Dring
John Dring - Intel Network Services - Swindon 12 January, 2010, 10:19Be the first to give this comment the thumbs up 0 likes

Hi Dean - I always enjoy the smart arse comments and look forward to more this year in 2010, but missed the point about the saffron browser bar??

I think DNA will persist in being completely trusted - they can't be 'that' wrong can they.  There are that many CCTV cameras in the UK but even good images from those things seem not to count for as much as a microscopic piece of DNA.

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