Time to look back on the annual predictions from 12 months ago…. how many of those crystal ball predictions came true? Continue reading Review of 2016 predictions
There is a trend for financial and retail companies to offer additional benefits at the checkout – whether it’s spreading payments for large purchases, insurance or charity donations. Some banks are offering ‘save the small change’ functionality, rounding the purchase up to the nearest dollar or pound and putting that change into a holding account.
I know a few people who collect small change (or a particular coin). Every day they put it in a jar, then at the end of the year they donate it to charity or buy themselves a gift. This is obviously harder to do with electronic payments at the moment.
With new challenger banking apps appearing on users’ smartphones, retail banks are starting to offer their customers value added services at the point of payment. Continue reading I’ve found the best app and it’s not Pokémon
One of the features of “a digital project”, is that the end user can become self-sufficient without needing to call the organisation offering the service or product. We call this self-service.
The first Internet services had a thin veil of self-service features, enabling companies to experience the cost savings of letting users perform common tasks.
Once this Return On Investment was proven, one of two things happened. Many organisations left the systems alone, stopped any further investment and patted themselves on the back.
Other companies redesigned the service to allow the maximum possible self-service touch points to maximise the future return on investment. They redesigned the self-service experience from the start. Continue reading Designing Self-Service From the Start
This is the sixth year of my digital predictions for the forthcoming twelve months (see here for 2015).
Many more industry commentators and research analysts are now releasing their predictions, but they don’t mark their work at the end of the year (last year I scored a woeful D) and their ‘predictions’ are actually trends.
So here goes for what lies ahead in 2016:
1. The eyewear war
In 2016 we’ll see a new three companies go eye to eye on their product offerings: Microsoft’s Hololens versus Facebook’s Oculus Rift versus Google’s Glass and Cardboard products.
In 2016 the new version of Google Glass will be released, specifically focussed on enterprises. Microsoft will be releasing Hololens to developers from Q1 2016. And Facebook will also be releasing Oculus Rift in Q1 2016.
The ultimate winner of these multi-billion dollar investments will be customers. Devices will still be well into four figures, and we’ll see some incredible implementations from gaming to enterprise. Continue reading 2016 digital predictions
In between all these links I’m currently reading LEAN Enterprise – I’ll provide a full review if/ when I manage to finish it.
In the meantime, here are some of the more interesting links I’ve visited over the last week:
Mobile leads first half digital ad surge| warc.com – Ad spend on mobiles increased 51% to £1.08bn during the first half of 2015. Is it a bubble or a natural trend? Continue reading Reading list for 12 October 2015
Since the blog post I’ve received some feedback asking about other aspects of IoT which I’ll cover here. Specifically they fall into two buckets – security, and more clarity around the definition.
Like many areas of IT, one could argue that the IoT has already been around for decades, but now it’s receiving more market awareness.
At the 1989 Interop conference, Dan Lynch and others created the first Internet Toaster which was connected to the Internet (via TCP/IP) and could be controlled (well, the power was controlled) remotely. It was a proof of concept that really anything could be on the Internet. Continue reading Challenges ahead for the Internet of Things
It should be holiday season by now, but the Christmas and Summer holidays productivity downturn seemed to cease two to three years ago (I’m basing this on my experience in the UK).
This is what I’ve read recently:
You may have seen some publicity recently how a megazillion people in the UK, especially London, all work in the FinTech sector. This publicity stems from some research commissioned by London Technology Week, a series of events taking place in London around FinTech.
The events range the full spectrum of FinTech technologies, and as a result we have clients travelling from the US over to London for LTW (London Technology Week). Most of the events are free, and even the charging ones were under £20.
I’ll be attending a few events with some colleagues going to events which clashed. I’m also speaking at Tuesday’s CSFI round table on crypto-currencies, which I think is just a coincidence that it happens to fall during LTW.
The first event of LTW15, or the headline event as it was known, was at Goldman Sachs called “Goldman Sachs Engineers – Solutions to Complex Problems at Scale”. Here are some brief notes. My apologies for speed over brevity – there will be a lot to cover this week.
As the Principal Sponsors of Payments International 2015 event, we had a slot to speak on the closing afternoon (I’m never sure if the last afternoon – especially a Friday afternoon – is a blessing or a curse).
One of our biggest clients in the payments industry, Worldpay, offered to join us at the event, so Nick Telford-Reed, their Director of Technology Innovation, and I both spoke on stage.
— endava (@endava) March 20, 2015
Today was the final day of the Payments International 2015 conference. Here are my notes. Again I apologise for any brevity, grammatical abominations and spelling errors – this post is a case of publishing speed versus comprehensiveness.
Mark Stevenson was the keynote speech. Mark is clearly a Marmite presenter – people either like or dislike him. Personally I liked his approach, and during the session started following him immediately at @optimistontour.
His keynote on “Why Infrastructure We Have Now Can’t Survive” began with describing how core infrastructure and business models are soon going to be unfit for purpose.