A writer who I follow was bemoaning the lack of change in banking the other day. Now the point was perfectly valid – until he took a pop at P2P lending. True disruption. the effect may be massive but the true percentages are surprisingly low! As I follow social banking – and as one of its great supporters, I had to disagree. But it raised an interesting question. How do we measure disruption?

The writer in question was James Gardner, who’s the general manager of Spigot, the leading business process software vendor in the innovation space.

In theory, he should know. But then he suggested that it could be “nearly 100%”. That sure had a disrupting effect on me – because that’s plain silly…

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I worry about web design. We’ve always catered for the lowest available platform. Designing for people who don’t know, or just don’t care about the Web. beautiful themes like Shelf from YooTheme push the boundaries of what's possible. Should all sites be this good?

I mean, there are some great web browsers – and they’re all free, for Pete’s sake. Gaming calls for the latest technology. People happily buy that, don’t they?

But for some reason, we have to placate the stupid and design sites like its 1999. Web designers are told that they must maintain full compatibility with everything. Not just for browsers maybe a version behind, but stuff from another age.

Well, I think it’s time we ask the question. Should we push or just follow?

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You know, technology works when it helps you do things you need to do easier. But its really cool when it lets you do the things you like to do better!

You basketball fans will know that the European Championships are currently on. There’s an app for that – and here it is… Keep up with the latest scores at EuroBasket 2011 with EuroBasket Live 2011 for the iPhone... Its a really well designed app for iPhone and will be the go-to app for hoop fans. And at $1.99, if you don’t want to miss a game, you shouldn’t miss this.

The app’s of course available in the App Store right now. So why not give it a try? Makes a change to talk about this rather than the Euro as a basket case!

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This is one of those flights of wonder moments. An idea that came out of the blue. What I’d like you to think about is – what places us apart from other animals? Why doing something for no reason defines us as real people... Sounds easy at first. Is it our use of tools, how smart we are – even our reasoning. But those aren’t definitions, they’re just more shades of the same colours.

Every animal will have those qualities to some extent, some smarter than others. Just what is it we have that animals really don’t – and what should we value?

Just think about it – It might just make you look at people differently…

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OK, OK. I wouldn’t have put this on here but it’s Jen Aniston and its the weekend. Anyway. You don’t want to hear from me. Here you go…

Well. Not a whole lot for me to say after that, is there. Have a great weekend!

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Email. Its been around for over 40 years. And up there as our No 1 business tool. But things could be about to get very interesting in Inbox world.

Blackberry - past its sell by date? Will Microsoft be the new recipient?

As they say on Wall Street, what follows are some forward-looking statements. Therefore take this as my personal view, as the outcome is far from certain.

Three events have got me thinking about what might happen. Let’s set the scene. And taking the stage are RIM, Microsoft, VMWare, Zimbra and SalesForce…

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Paying huge bonuses to retain top people in banks has long been controversial. Distasteful certainly – but maybe even counter-productive. Karl Duncker shows us paying bonues for ideas doesn't work. Let me tell you about a test Karl Duncker did just after the Thirties banking crash. You could be surprised. And even more angry with the banks…

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Can anyone tell me what message RBS is using for its current media campaign? Sure, NatWest’s you may know, but what about RBS? RBS - will the Royal Bank of Scotland brand disappear - and would will replace it?

Although owned by Royal Bank of Scotland, NatWest isn’t as hated as its parent. Strange, because really NatWest’s no better – some may even say its worse.

I’d like to talk a little about NatWest, but lets concentrate first on RBS as a brand. What can be done with a brand so damaged it’s lost the trust of its market?

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Hands up all of you who’re thinking about buying a tablet in the coming months? Must admit, an iPad or new Honeycomb tablet are tempting. But… Chromebook-  the 8 second booting notebook. an alternative to an iPad?

How about Chrome OS – Much talked about 12 months ago but a bit quiet of late. With Apple and Ubuntu releasing key products, Google’s OS needs to be good.

Won’t have long to wait, its out next month – but just what is Google delivering?

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I’ve just read a Management Today supplement about West Yorks Fire Service. Remember how Public Service budgets are meant to be getting cut back?

The Public Sector should think about value - not building empires! Well, it sure doesn’t seem like that’s the case, if this is a typical Public IT project. Based on what they’ve chosen, I reckon half a million’s gone up in smoke.

It should have cost a tenth of that – and it’ll only reach 60% of their users…

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Now this is going to sound like some obscure, “out-there” philosophical question. But think about it. Is progress slowing down? Has our spread into the world and the regulation of modern life stopping us now moving forward? Imagine the Wright Brothers today, taking that flying contraption to an airfield. Where would they have made it – and would they have been allowed to fly it?

Or imagine James Watt building his steam engine in a lock-up round the corner. Then imagine the local council or police’s reaction to the noise it made!

Have we lost our reckless invention culture – do we just do Internet apps now?

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Everyone knows how good the iPad is to use. Its made reading stuff cool again. But what about when you have something to write about? Got something to say? iBuildApp is a new self-publishing platform for the iPad.. There’s now a great way to use your iPad to promote yourself or your company. Let me tell you about a publishing platform called iBuildApp.

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I enjoyed one of those Twitter engagements this weekend. Well, I say enjoyed, maybe more like the engagement one has with the front of a speeding train.

It got me thinking about Socrates. I’d bet he’d love Twitter. Lots of sophists online. Socrates loved a good debate. Trouble was, the sophists didn't.

I’ll tell you a bit about Socrates. He questioned everything and accepted nothing. For him, truth was its own reward. His philosophy put him up against the sophists.

Sophists earned a living selling their own “truth”. You weren’t meant to disagree.

So what can Ancient Greece teach us about Twitter? Glad you asked me…

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My apologies for this deviation from my usual style. But we need some help. A lot. Not for some worthy charity, but for a nation. Can Martha Lane Fox show the kind of drive needed to create a true digital Britain? Britain is being dragged deep under water by BT, after we survived the shipwreck caused by the SS Banking’s collision with a financial reality iceberg.

We must divorce BT from the cosy relationship it enjoys with central government. Its smug monopoly on the mechanism for change, its incompetence.

We need a publicly revered figurehead to drive this forward. A digital Joan d’Arc. Martha, we need you.

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I was an NCR IT field engineer. Every day, my boss would hand out repair tickets. These told us what IT system problems we had to sort out that day.

too busy to help you - stop worrying me. One guy had this trick. He’d keep all his old tickets. When the boss came to him, he’d draw in breath and shuffle the tickets, looking like he had a lot on.

The boss never gave the guy the urgent jobs. He’d just take the tickets he liked. He must have taught a lot of people that trick. I see them everywhere.

Keepers of the process, the emperors of the end office. The checkpoint Charlies.

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The Internet and freedom. Two words we always believed couldn’t be separated. Recent events have shown otherwise. How The Internet has replaced the pen as tyranny's great adversary

Now this isn’t a commentary about the rights and wrongs of the Egyptian unrest. This is about freedom and our right to unhindered expression.

Egypt’s demonstrated that regimes can just turn off dissent at the flick of a switch. Could we suffer the same fate in our increasingly Orwellian society?

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What a pity violent student riots took the spotlight away from real people power. Maybe we will yet see the Government shamed into action. vodafone too big to pay taxes?

While many at the lower end of the earnings spectrum are genuinely suffering, banks and big corporates seem to have been granted some financial immunity.

In fact it beggars belief…

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I feel I may soon know how the guy felt when he suggested the world wasn’t flat. I’m no where near as visionary – but I may get vilified all the same… When technology doesn't mirror life - why Internet security is wrong. Imagine this scene… You walk into a retailer – any retailer – with a stolen wallet. You pick a range of expensive goods. As long as you have the PIN or the cash, you can take away whatever you want, unchallenged.

No checks, no ID, no second glance. Now, let’s go online…

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As a bank marketing slogan, the co-operative’s good with money is pretty good. Just a pity then that the rest of the bank’s processes don’t match. good with money - bad with everything else Because behind the ethical façade this member-owned group strives to portray, lies a dark, Dickensian approach to those it does business with.

Here are three disturbing examples – from the inefficient to downright destructive – that soil the fluffy image it would prefer us to associate with it…

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Funny how a thought can randomly pop into your head for no apparent reason. Office networks. Why should I be worrying about that? Could the Cloud slow us down? The thing that was nagging me was this. As we begin to take up Cloud services, could we be slowing down others working locally?

I mean by that local network users – anyone using printers, collaborating together or sharing networked data.

OK – if you aren’t into network optimization, stop reading now. But if you are…

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Its funny how we can sometimes be carried along by the current without realising. Following the innovation bandwagon, for instance. change is a constant, not a deliberate action! Every businessman knows they must constantly innovate to compete and survive. We shouldn’t get hung up on that word. People can either innovate or they can’t. Innovation isn’t a measurable action, its a mindset.

Every day, I read the endless diatribes about why we can’t innovate here or there. Listen to these coffee-shop philosophers and you’ll want to give up and go home. Hold on though. I think they’ve got it all wrong. Fundamentally wrong…

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Another snowy morning. Another day’s news of travel woes and broken services. Wasn’t this supposed to be the age of technology?

technology seems forgotten as snow falls...

Looking around my neighbourhood, middle-management cars struggle past on route to some distant office to connect to some services located somewhere else. They’ll sit at their desk to phone customers who again, will be somewhere else. Noticed the common thread here?

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I stopped at my local Marks & Spencer Food, I just fancied one of their £10 deals. Spotted a guy I used to know. He’d managed the IT department for a large utility. Noticed he was wearing an apron. He was stacking shelves. Do we value what life has taught us or simply start over?

Then I suddenly shivered. Have I seen my future. Is this my next big career move. Is this what a lifetime’s technology strategy has in store for people like me?

Where will all that knowledge go, if its not passed on, how can we move forward. Will the new me never get the chance to learn from my experience?

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When talk turns to the Cloud, the hot ticket currently is the location of information. Security’s no longer the biggest concern, its where data is stored which is key.

Maybe the future lies in clouds for the cloud itself – local skyline storage clouds… could this be the future of the compliant cloud? Local Skyline Storage

Cloud players like SalesForce and IBM are looking to their own national storage, but its expensive and inefficient. So why not use a storage Cloud for it?

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This question never seems to go away. When is a freedom fighter not a terrorist? Well, the answer of course depends on your perspective. Do they have a right to tell us and who has the right to stop them?

And nothing is crystallising global social opinion more than the WikiLeaks battle. But its only when we look beyond this that we see the real battle lines.

Think hard before deciding. Because what is being done is done in your name.

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Have you noticed how TV media is featuring a lot of web-style graphics recently?

I guess with the closely-tied relationship between web and TV content designers, we shouldn’t be too surprised. After all, the web is becoming …beautiful. Noticed how beautiful the web is getting?

No, our web designers haven’t suddenly become more artistic or talented, they’ve just found new tools. But corporate designers are way, way behind…

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It doesn’t look like National Australia Bank’s woes are going away any time soon. Conflicting stories emerging from CEO Cameron Clyne’s office sure isn’t helping. Time for NAB to get their story straight... First reports suggested that an upgrade failure took down all the Bank’s systems. But as the dust settles, a rather different picture is emerging.

NAB’s prolonged outage initially attributed to a glitch may have been deliberate. If its true, then NAB’s troubles are far from over. They may only be beginning…

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In fact, not a good weekend and probably this week won’t be a whole lot better. Australia’s biggest bank is still off-line after a routine upgrade went wrong.

NAB bank's technology woes continue...

While the other banks may laugh behind closed doors about NAB’s misfortunes, truth is, its a case of There but for the Grace of God goes I.

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Our eyesight. Its the most developed, critical and relied on of all human senses. And probably why we make such beautiful things.

Basically, we like what we see. Or rather we tend to buy what we like the look of. How about web browsers?

experienec how the web can look, with Google's Chrome...

Given a choice, few would go for a conventional TV over a flat screen HD beauty. The quality, colour depth and sheer pleasure it is to watch is amazing.

Contrast this to web browsers, which don’t cost thousands, they’re actually free. So why don’t we go for the best there is?

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I guess every executive’s PA must be starting to think about it at this time of year.What do I get my boss for his secret Santa?

The tie and cuff links won’t do. So last year. The colour-coordinated boxer shorts?Well, no. That suggests you know a bit too much about him.

So what on Earth do you get the kind of man who’s got everything – and who’s corporate-raided everything else?

for the exec who has everything - everything on a stick.

Well, everything on a stick of course. The Verbatim Store ‘n’ Go Executive. Cool. Very cool!

Available in 8 to 64Gb with a rapid 200x write-rate. But he won’t understand that.Just tell him its real stainless steel. Did I mention it was cool?

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