The Human propensity to accept “the facts” coupled with an acceptance of the ability of AI to deliver “the facts” is creating a downward spiral of unintended misinformation, which is constantly being used to reference and re-reference itself.
Category Archives: Thinking
The Halifax Permanent Building Society was founded in 1852. It began as a mutual endeavour, providing affordable housing for working people. By embodying community values, it grew into the world’s largest building society – until the rise of corporate interests reshaped its mission forever.
It’s easy to lie when your audience doesn’t know what good looks like, and it’s so much easier if the team is indispensable! Are we on target to learn, or will we miss the target and get the finger?
Have we allowed “innovation” to be hijacked by marketing?
We add a new colour, a shinier material, or a slicker User Experience and suddenly it’s a breakthrough. If everything is innovation, then nothing is!
There are essentially three ways of moving money around a payment ecosystem: bank rails, card rails and the Bucket of Money. Each can be ideally paired with some payment services but not with others. It’s Football and Rugby – how hard can it be?
A short critique of the UK National Payments Vision, with emphasis on Open Banking as the UK National Payments Vision also emphasises Open Banking.






