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It is very easy to make things difficult but very difficult to make things easy. As a result we see that many service are not the least user-friendly - not in design - not in language - too complic
When arguing for e-banking as the main service channel it is also important to take note that like in Finland age groups up to 45 are all there http://boharald.blogspot.com/2009/10/internet-users-by-a...
It may still be necessary to stress the need to develop e-banking as the main channel - from first, through second to third generation services (described here in previous posts). Counterarguments ma...
Ubank is celebrating it's first birthday by having a giant Pass-the-Parcel competition in Sydney next to the MCA this week. They're attempting to break the Guiness Book of Records and they're tempting...
I got an email from someone today asking: 'when I wrote RIA, did I mean Rich Internet Applications or Registered Investment Advisors?' Of course, it is the sloppy journalist who relies on jargon (or a...
I have a hate relationship with IVRs. I hate the inevitably patronising tone of the voice, the layouts, the fact that many of them have been designed by people who think they have brains the size of ...
Hip-to-the-moment TechFlash blogger John Cook shows just how easy it is to use your iPhone to buy a grande non-fat mocha in this video shot at the Seattle Columbia Center Starbucks. So why not just u...
I had an interesting experience in my local bank branch the other day. I went in to withdraw cash (the ATM doesn't dispense £1 coins and £5 notes), only to find that the process had changed - signifi...
The past year has seen a surge of non-banking players entering the retail banking space to capitalise on growing consumer suspicion of conventional high street banks. Tesco in particular has seen a do...
We are seeing a growing realization that there is no public sector - or private sector for that part - from a citizens point of view - only services produced somewhere (even if they are subject to po...
AaaS - Advertising as a Service is not a service like Saas (Software as a Service) - it is a mindset whose time has come. Consumers are increasingly aware of the fact that they in fact pay the cost of...
E-mail is so 2001. Prince Obi Matumbe Akumbe knows this and has turned to YouTube and Twitter in his bid to find a kind soul willing to help him transfer $50 million out of Nigeria. Anyone prepared t...