Revolutionary Measures

Top Gear – more than a TV show

The announcement that Chris Evans has been signed to headline the new Top Gear is a rare good news story for the BBC. Following the furore over Jeremy Clarkson’s suspension and subsequent non-renewal of contract after punching a producer there was a real danger that one of its prized assets could be under permanent threat.

English: BBC Radio 2 presenter Chris Evans (pr...

This was a big issue for two reasons. Not only does Top Gear make a lot of money for the BBC in terms of overseas sales, but it is also one of the most popular programmes on TV, particularly (but not exclusively) with middle-aged men such as myself. At a time when charter renewal is looming, showing that the BBC provides something for everyone is crucial to successful negotiations, especially as many see it as a bastion of a left-leaning metropolitan elite, rather than an organisation that is in touch with the rest of the UK. Not a viewpoint I personally subscribe to, but one that can be seen regularly in newspaper coverage of the corporation.

So setting out a plan for the future of Top Gear was about more than simply replacing a presenter. And the whole negotiations with both Evans and the outgoing presenting duo of James May and Richard Hammond seem to have been handled confidentially, respectfully and without any of the noted HR cock-ups that the BBC has made in the past. With Evans on board, the BBC has recruited a noted car nut who is a familiar face to the UK audience, with a wide appeal and a similar sense of humour to the old Top Gear team. He’s also been through the public wringer in the past, rising to stardom with The Big Breakfast and the Radio 1 Breakfast Show, before becoming a staple story in the tabloids for his drinking and bad behaviour. He’s obviously learnt from his mistakes – and what drove him to them – something that Clarkson never really seemed to do.

So, now there is a one host in place for Top Gear, the rumour mill is in full swing about who else will present it with him. Rather than follow the bookmakers favourites (the likes of Jodie Kidd and Guy Martin), here are some other potentials:

1. Ed Miliband
Currently at a bit of a loose end, he’d be perfect as the earnest one to replace James May. Rather than endlessly explaining about internal combustion engines he could bore the audience with his views on the redistribution of wealth, and why Labour’s electoral defeat was not to do with carving promises into pieces of stone. Counting against him is what seems to be a complete lack of interest in cars, but I’d tune in to see him attempt to lap the track while eating a bacon sandwich.

2. Prince Philip
A direct replacement for Clarkson with his views on foreigners, and a chance to increase viewers in the pensioner category. Well known for owning a London taxi that he drives around the city, so has an interest in cars, alongside carriage racing. Possibly not up for driving long distances in Top Gear specials, but presumably could get a chauffeur to do this for him.

3. Alexis Tsipras
Another Greek, and one who may be looking for a new role depending on how well current negotiations with his country’s creditors go. Unlike his finance minister, Yanis Varoufakis, who is a noted biker, his transport preferences are unknown. However as someone that has driven in Athens (and survived), I know that all residents of the Greek capital have nerves of steel on the road, coupled with a wanton disregard for indicators, making him a perfect role model on the track.

4. Mary Berry
There have been rumours of Great British Bake Off host Sue Perkins joining the team, prompting death threats from assorted morons on Twitter, but why not go for the real star – the fragrant Mary Berry. She’d not take any nonsense from anyone and, I suspect, would be a demon behind the wheel. I’d like to see her challenge the other presenters to make fairy cakes while lapping the Nurburgring in under 7 minutes.

5. Bradley Wiggins
Another coming to the end of his first sporting career, and potentially looking for a new challenge post-Rio 2016. While not as much of a car nut as his fellow Olympian Chris Hoy, he’d bring plenty of irreverence to the programme if he swapped two wheels for four. Main stumbling block could be the previous hostility between Top Gear presenters and cyclists, but the perfect opportunity for the show to bring the two groups together and benefit from the rise of the MAMIL.

 

June 24, 2015 Posted by | Creative, PR, Uncategorized | , , , , , , , , , , , , , , , | Leave a comment

Apple: Do no evil?

English: Apple. Polski: Jabłko.

The technology world, outside China, is increasingly dominated by four companies – Google, Apple, Facebook and Amazon. They’ve even spawned their own, rather ugly collective acronym – GAFA. What’s interesting is that while all four have started from different places in the technology ecosystem they are now competing with each other in areas as diverse as smartphones and mobile devices (Android vs iPhone/iPad vs Kindle/Fire), mapping, and retail (especially music).

But the biggest – and most lucrative – battleground is digital advertising. Both Google and Facebook are using the huge amount of information they know about their users, whether through searches or their social media profiles, to target adverts so that they are more personalised and therefore more effective. In a less creepy way, Amazon analyses what you’ve already bought and suggests potential new purchases.

This reliance on consumer data, has led to issues, with users complaining about their privacy being invaded for example. Others have pointed out that with ‘free’ services like Facebook, the consumer becomes the product, with their data effectively paying for the access they receive.

Up until now GAFA have been pretty united in their use of consumer data and attitudes to privacy. This has now changed spectacularly with Apple CEO, Tim Cook, launching a blistering attack on his rivals, stating that “I’m speaking to you from Silicon Valley where some of the most prominent and successful companies have built their businesses by lulling their customers into complacency about their personal information.”

If that wasn’t direct enough an attack on Google and Facebook, he added, “We believe the customer should be in control of their own information. You might like these so-called free services, but we don’t think they’re worth having your email, your search history and now even your family photos data mined and sold off for God knows what advertising purpose.”

Before we hail Cook as a white knight of the IT industry, it is worth bearing in mind four facts:

  1. Apple has complex privacy policies just like the rest of GAFA
  2. Advertising is key to a large number of the apps within the AppStore
  3. Currently the default search engine in Apple devices is Google, so the company indirectly benefits from “selling off your search history”
  4. He was speaking to EPIC’s Champions of Freedom event, where he was honoured for corporate leadership – so he was hardly likely to speak positively about data-driven rivals.

Putting cynicism aside, there are two other reasons for Apple to embrace privacy and break from other members of the GAFA pack. Firstly, it made a profit of $13.6 billion in its most recent quarter, so it doesn’t really need to upset its more upmarket customers by selling their data for a (relative) pittance.

Secondly, and more importantly, Apple is now moving into new areas where security and privacy are everything – payments (with Apple Pay) and health (with a new ecosystem focused on wearables and sensors). Both of these are based on the most personal of personal data, where a single misstep would destroy consumer trust and essentially stop expansion in its tracks. It might even harm the overall Apple brand.

So Cook (and the rest of Apple’s strategists) have made a choice. They believe that people are happy to pay more for premium iOS products, on the understanding that their personal data will not be abused. It is in stark contrast to Google’s focus on mass market, cheap or free products where consumers pay by giving up control of their information. As the battle within GAFA rages, it will be interesting to see which side comes out on top in both the PR and sales wars.

June 17, 2015 Posted by | Marketing, PR, Social Media, Uncategorized | , , , , , , , , , | 1 Comment

How technology can transform moving house

Transport of a house (photo taken in New Zealand)

I’ve just moved house and am still recovering from the experience. Having last moved 11 years ago I expected that technology would have changed things in the interim, but it seems that the process is still paper-based, slow and (as far as I can see) incredibly inefficient. If you ever wondered who still uses a fax machine, look no further than solicitors………

It starts so well. The front-end of house buying is now pretty much web-based. So there’s no more peering through the windows of estate agents as you can set your criteria and instantly bring up potential properties that you are interested in. In fact there could be too much information available – we took the virtual tour of our house off our details as we worried that people could be making up their minds based on that, rather than coming for a viewing. The technology used to gather these details is also pretty high tech – with drone cameras taking aerial photos for example.

However once you’ve had your offer accepted, the back office processes revert to paper – based on my experiences, here are five areas that seem ripe for digitisation:

1          Paper-based forms
Some documents, such as Land Registry files and searches, are now all online, making it much quicker to access them. But a lot more aren’t – the fixtures and fittings form is still paper-based for example, meaning it has to be posted and scanned at the other end. By mandating that all communication is electronic, the whole process could be much quicker, more environmentally friendly and less stressful.

2          Real-time communications
We wondered why we always got emails sent on behalf of our solicitor just after 4pm. Then we realised – he’d dictated them to his PA in time to get them in the post, but rather than appearing as a letter it had just been turned into an email. While this saves some time it doesn’t deliver real-time answers that people demand (and which could dramatically speed up the process).

3          Getting a mortgage
Criteria for mortgage applications have been tightened following the easy lending that preceded the banking crash. That’s understandable, but there’s no common sense in the process now. It took weeks to get a telephone appointment with our bank to go through our personal details and outgoings – and then when the mortgage rate changed we had to do the whole thing again in order to get a better deal. And we had to talk to the same advisor (who was on holiday), adding more time to the process. Being able to re-use answers you’ve already provided, within a reasonable timeframe, would be more efficient for the bank as well as avoiding customer frustration.

4          Money transfer
On completion day, it takes forever for the purchases to take place. The money from the purchaser at the bottom of the chain goes to the solicitor for the house they are buying, who then pays the next person and so on. This is all logical but is incredibly slow – in an era of online banking where you can transfer money instantly, this is another area that needs addressing as it is inefficient and time-consuming. Our buyer’s removal van was waiting outside our (old) house for the money to go through – it then took another hour to complete on our purchase.

5          Changing address
After you’ve moved you then need to update your details with everyone from your bank to HMRC. What amazes me is how difficult some people make this. In an online world you’d imagine it would be straightforward to change the address a magazine subscription is delivered to – but in many cases I’ve had to email to get details changed rather than just amending my address online. A central portal to change all your official details might sound a bit Big Brother to some people but I would prefer it to having to wade through hundreds of sites, remembering seldom-used passwords in order to tell companies I’ve moved.

As you can probably tell, the whole moving process has left me frustrated at the missed opportunities to speed things up and make it more efficient for everyone. I don’t think it is on any party manifesto, but reforming house buying would surely be a vote winner given the stresses and traumas it creates. And having moved into our lovely new house, I won’t be leaving in a hurry…………..

April 29, 2015 Posted by | Startup, Uncategorized | , , , , , , , , , | Leave a comment

Moore’s Law – will it make 60?

50 years ago, engineer Gordon Moore wrote an article that has become the bedrock of computing. Moore’s Law, as first described in the article, states that the number of elements that could be fitted onto the same size piece of silicon doubles every year. It was then revised to every two years, and elements changed to transistors, but has basically held true for five decades. Essentially it means that computing power doubles every two years – and consequently gets considerably cheaper over time.

"The new Hewlett-Packard 9100A personal c...

What is interesting is to look back over the last 50 years and see how completely different the IT landscape is today. Pretty much all companies that were active in the market when Moore’s Law was penned have disappeared (with IBM being a notable exception and HP staggering on). Even Intel, the company Moore co-founded, didn’t get started until after he’d written the original article. At the same time IT has moved from a centralised mainframe world, with users interacting through dumb terminals to a more distributed model of a powerful PC on every desk. Arguably, it is now is heading back to an environment where the Cloud provides the processing power and we use PCs, tablets or phones that, while powerful, cannot come close to the speed of Cloud-based servers. This centralised model works well when you have fast connectivity but doesn’t function at all when your internet connection is down, leaving you twiddling your thumbs.

Looking around and comparing a 1960’s mainframe and today’s smartphone you can see Moore’s Law in action, but how long will it continue to work for? The law’s demise has been predicted for some time, and as chips become ever smaller the processes and fabs needed to make them become more complex and therefore more expensive. This means that the costs have to be passed on somehow – at the moment high end smartphone users are happy to pay a premium for the latest, fastest model, but it is difficult to see this lasting for ever, particularly as the whizzier the processor the quicker batteries drain. The Internet of Things (IoT) will require chips with everything, but size and power constraints, and the fact that the majority of IoT sensors will not need huge processing power means that Moore’s Law isn’t necessary to build the smart environments of the future.

Desktop and laptop PCs used to be the biggest users of chips, and the largest beneficiaries of Moore’s Law, becoming increasingly powerful without the form factor having to be changed. But sales are slowing, as people turn to a combination of tablets/phones and the processing power of the Cloud. Devices such as Google Chromebooks can use lower spec chips as it uses the Cloud for the heavy lifting, thus making it cheaper. At the same time, the servers within the datacentres that are running these Cloud services aren’t as space constrained, so miniaturisation is less of a priority.

Taken together these factors probably mean that while Moore’s Law could theoretically carry on for a long time, the economics of a changing IT landscape could finish it off within the next 10 years. However, its death has been predicted many times before, so it would take a brave person to write its epitaph just yet.

April 22, 2015 Posted by | Creative, Uncategorized | , , , , , , , , , , , , | Leave a comment

Should Apple Watch out?

After announcements last year, this week saw the launch of the first Apple Watches, although they won’t go on sale until 24 April. The cutely named Spring Forward event saw the tech giant reveal all 38 models, which will range in price from £299 (for the sport model) to £8,000+, depending on screen size, design and whether you want it in 18 carat gold.English: The logo for Apple Computer, now Appl...

More importantly Apple showed a selection of the apps that it expects to drive demand for the device. You can make touchless payments, receive phone calls, open a compatible hotel room door (rather than using a keycard), and remotely open an internet-connected garage door (no, I don’t have one of those either). However for a large number of functions, such as messaging, GPS tracking and making phone calls you’ll need an iPhone 5 to run alongside your new watch.

Apple is not a stupid company and has grown to be the biggest quoted business in the world by revenues through reinventing the music and smartphone markets. It hired former Burberry chief executive Angela Ahrendts to head up its online and physical stores, partly to help its move from technology into fashion with watches. I remember loudly proclaiming that the iPad would never catch on due its innate pointlessness, and now I rely on it every day. But I still see some serious challenges to the Apple Watch attaining critical mass. Here are four of them:

1. Price
The cost of the Sport model begins at £299, with prices for the mid-tier Watch version starting at £479. To me, this is a lot of money to spend on a watch, even one that looks as sleek as the

Apple device. And for £900+ you can buy a low-end TAG Heuer, that you know will last for a long time without needing to be upgraded as software advances. Yes, millions of people have iPhones, but the vast majority got them on subsidised deals that meant they didn’t have to fork out close to the real sales price. A better comparison is the similarly priced iPad, which has seen sales slow as the market becomes saturated over time. Therefore predictions of sales of 60 million seem excessive, with the market much more limited than that.

2. Does it do anything different?
Anyone of a certain age who saw or read Dick Tracy loves the idea of using their watch to make a call, even if it is to the office rather than for police back up. But Dick Tracy didn’t have a smartphone, which can do pretty much everything a watch can do – and more besides. And as Apple has said, you’ll need to retain your iPhone to provide many of the functions that can’t be squeezed into the watch. Admittedly the iPhone is getting bigger, making it more difficult to use for things such as contactless payments, but equally the watch could be seen as too small for many other activities.

3. A whole new market
Apple has always been known for its design excellence, and the Watch appears to be equally stunning, admittedly with a bulkier face than a traditional wristwatch. Hiring Ahrendts also points to a desire to bring in luxury marketing nous to help it move into a different sector, where factors outside technology excellence and cool apps could be more important. Can it become the fashion accessory that everyone wants? In the ultra-competitive watch market it will be difficult, though expect Apple to try to jump the chasm from geek to cool.

4. Battery life
Watch batteries traditionally last for years. In contrast iPhones provide just hours of charge, depending on how much Candy Crush you are actually playing. So the news that the Apple Watch will keep going for 18 hours is disappointing to say the least (although the company says that it will continue to show the time for up to 72 hours after that). Essentially consumers will need to charge the watch every night, plugging it in alongside their iPhone ready for the morning. It just reinforces that this is a technology product, rather than something you wear, and is bound to put some people off.

I could be as wrong about the Apple Watch as I was about the iPad, but to me, despite the hype, it won’t move beyond being a niche product for fanboys and girls who want to pair it with their latest iPhones. For me, if I had the spare cash I’d buy a TAG instead and leave technology to my phone……….

March 11, 2015 Posted by | Marketing, Startup, Uncategorized | , , , , , , , , , , | Leave a comment

How smart can a smartphone get?

If you needed evidence of the growth of the smartphone market and its move into every part of our lives, then this week’s Mobile World Congress (MWC) provides it. It wasn’t that long ago that the event was dominated by network infrastructure companies, but now it is essentially a consumer electronics show in all but name. And one that looks far beyond the handset itself. Ford launched an electric bike, Ikea announced furniture that charged your smartphone and a crowdfunded startup showed a suitcase that knows where it is and how much it weighs.

English: Steve Jobs shows off the white iPhone...

Five years ago none of these companies would have even thought of attending MWC – and it is all down to the rise of the smartphone. It is difficult to comprehend that the first iPhone was only launched in 2007, at a time when Apple was a niche technology player. It is now worth more than any other company in the world and 2 billion people globally have an internet-connected smartphone. By 2020 analysts predict that 80% of the world’s adults will own a smartphone.

As any honest iPhone owner will freely admit, they may be sleek, but they are actually rubbish for making and receiving calls. What they do provide is two things – a truly personal computer that fits in your pocket, and access to a global network of cloud-based apps. It is the mixture of the personal and the industrial that make smartphones central to our lives. We can monitor our own vital signs, and the environment around us through fitness and health trackers and mapping apps, and at the same time access any piece of information in the world and monitor and control devices hundreds or thousands of miles away. Provided you have a signal……….

Essentially the smartphone is a universal platform that companies can build on – whether it is a disruptive taxi business (Uber) or completely new ways of dating such as Tinder and Grindr.

So, based on what is on show at MWC, what are the next steps for the smartphone? So far it seems to split into two strands – virtual reality and the Internet of Things. HTC launched a new virtual reality headset, joining the likes of Sony, Microsoft, Samsung and Oculus Rift, promising a more immersive experience. Sensors to measure (and control) everything from bikes and cars to tennis racquets are also on show. The sole common denominator is that they rely on a smartphone and its connectivity to get information in and out quickly.

It is easy to look at some of the more outlandish predictions for connected technology and write them off as unlikely to make it into the mainstream. But then, back in 2007, when Steve Jobs unveiled the first iPhone, there were plenty of people who thought it would never take off. The smartphone revolution will continue to take over our lives – though I’m not looking forward to navigating streets full of people wearing virtual reality headsets who think they are on the beach, rather than on their way to work…………

March 4, 2015 Posted by | Creative, Marketing, Startup, Uncategorized | , , , , , , , , , , , , , , , | Leave a comment

Education, education and skills

This week the election campaign has been focusing on education, with the Conservative Education Secretary, Nicky Morgan, promising that every child leaving primary school must know their times tables up to 12 and be able to use correct punctuation, spelling and grammar. It follows her predecessor, Michael Gove, revamping the history curriculum to ensure that pupils know about key dates in British history – a move that some saw as a return to Victorian rote learning of facts.

English: British school children in London, En...

English: British school children in London, England (Photo credit: Wikipedia)

Morgan complains that Britain has slumped in international education league tables, and has vowed to move the country up in rankings for maths and English. But ignoring the fact that children are already tested on times tables, I think she’s missing the point about modern education and the skills it teaches. Of course, children should know their times tables, and be able to read and write. These are basic skills that everyone should have.

But we are in an era of enormous change, and the skills that the workforce of tomorrow requires will be very different to those of today. Increased globalisation, the advent of the knowledge economy and greater technology are impacting on all jobs. Previously safe, middle income management occupations will be broken into smaller chunks and either computerised or outsourced, hollowing out the workforce so that what remains are high end, knowledge-based roles or more menial tasks.

What we need to do is prepare our children for this world by helping them to develop the skills that they require to work in this brave new world. A large proportion of today’s pupils will end up working in jobs that don’t currently exist, so you need to focus on three areas:

1. Learning to learn
Rather than simply teaching facts and tables, you need to instil in children the skills they need to keep learning. These range from problem solving, resilience and working as a team, to ensuring they have inquiring minds and are always pushing themselves.

2. Lifelong learning
Alongside learning to learn, everyone needs to understand that education doesn’t stop when you leave school or university. Whatever field you are in, you’ll need new skills as your career evolves, so it has to be seen as natural to keep learning. The days of working for the same company for ever are long gone, and the days of working in the same role throughout your career are going the same way. So, people will have to make radical moves into new industries and careers, and that will require ongoing investment in learning new skills.

3. Technology
The UK government has re-introduced coding to the school curriculum, which is a major step forward in ensuring that everyone has the basic skills needed to understand and work with technology. While most jobs have required IT for a while, the spread of software into every corner of our lives means that those who understand and program computers will have a big advantage over those that just use them to type emails or surf the net. I’d like to see more government investment in coding for all, alongside schools, so that everyone learns the skills they need.

Don’t get me wrong, it is a laudable aim that every child should leave primary school knowing that 12×12 is 144 and how to use an apostrophe. But we need to be teaching our children a lot more than that if we want to nurture a workforce of self-starting, motivated and problem solving adults that can drive innovation and wealth for the country and wider society.

February 4, 2015 Posted by | Creative, Startup, Uncategorized | , , , , , , , , | Leave a comment

Moving back to a medieval economy?

Map of medieval Rome depicting the Colosseum.

Map of medieval Rome depicting the Colosseum. (Photo credit: Wikipedia)

My very first blog post, four and a half years ago, talked about how social media had parallels with how people worked in medieval times. Essentially as a worker you attracted business through personal recommendation – do a good job and you’d get more work. Do a bad job for the Lord of the Manor, and you could well be clapped in irons. The industrial age changed all that, with companies mass producing goods or services and the personal link disappearing from many professions. No-one knew if you’d done a good job in your cubicle –the chance to express your individuality was simply not there in a lot of sectors.

In the same way that social media is changing how we interact with companies and how they market to us, the internet is also changing how we work. As a recent piece in The Economist pointed out, we’re increasingly becoming a freelance-based economy, with skilled workers now available on tap to complete specific tasks, with no need to employ them full time. Figures from the Freelancers Union claim that 1 in 3 members of the American workforce do some freelance work.

The internet and smartphone apps mean a business can now find someone to do everything from research a new product to provide legal advice or consulting. Many routine tasks, even in knowledge-based businesses, can either be outsourced or digitised, so why go to the trouble and expense of employing someone to do it? And for those businesses that worry about quality, the platforms that deliver these people will have vetted them and you can read reviews from previous customers.

This is going back to the medieval model – with skilled artisans and craftspeople available to work directly for their end customers, rather than toiling in a factory or office for a regular salary. On the plus side, it delivers freedom and flexibility to those with the right skills. On the other hand, the vast majority of the medieval working population were itinerant labourers, turning up where there might be a job and hoping they’d get picked. Essentially, not much different to a modern zero hours contract, which is the flipside of the freelance economy.

There’s also multiple other challenges to address, both for freelancers themselves and the wider country. I know that as a freelance it is up to me to market myself, provide for my own retirement, sort out my work financial affairs and keep my skills up to date. If I don’t work, through illness or holiday, I don’t get paid. All of these are things that previously my employer would have provided for me as part of the contract between us. For me, that’s not too much of an issue, but for others (thinking again of zero hours contracts), what happens when they reach retirement age without private pension provision? The state will need to provide, where previously an employer did. Education will have to teach people to think in new ways, so that they can pick up skills throughout their working life, rather than training them to do the same thing for their whole career.

The other challenge is that the freelance economy needs corporate businesses in order to survive. Firstly, it is where it recruits many of its members, who’ve got their training within a large organisation and then decided to strike out on their own. Working for a large company not only provides a positive endorsement of quality on a CV but also gives access to an ecosystem of potential assignments within the company and its peers.

Secondly, freelances need larger companies (and those that work for them) as a market. Whether it is selling to organisations that have a specific skills gap or providing on-demand services to the salaried (in the US you can get everything from food, to taxis (Uber) and home cleaning at the touch of a smartphone screen).

Take away this infrastructure and you remove the market and the skills – in fact, essentially moving back to the medieval model. The main difference is now, with the internet, you don’t just have access to your village carpenter, but potentially millions of them all over the world. Like any change there will be winners and losers, but it is important to look at the negatives as well as the benefits before we fully embrace the on-demand world.

January 14, 2015 Posted by | Creative, Marketing, Social Media, Uncategorized | , , , , , , , , | Leave a comment

The future of money

The internet has radically changed how we bank, removing the need to physically visit and turning a thousand and one redundant branches into All Bar Ones and Wetherspoons. But the actual mechanics of transferring money around haven’t really changed. Through a combination of regulation and the sheer complexity of the financial world most of us still entrust our money to a bank and use their systems to move it around. There are some notable new entrants, such as PayPal, and smaller banks, like Metro Bank, have been launched, but the majority of transactions still go through the same channels as before. The only change being that we do the work ourselves online rather than queuing up for hours in a draughty branch behind the man from the arcade paying in his weekly takings one penny at a time.

Twenty pound notes

But most people recognise that the banking system doesn’t deliver the flexibility or mobility that technology can underpin. So how do you do banking without the banks? One way would be to make it simple to transfer money from person to person using a web-based platform that the majority of the world is a member of. Step forward Facebook, which has applied to the regulator in Ireland to launch e-money across Europe. This would allow people to transfer money to others on the social network as well as to buy things online. The combination of Facebook’s reach and brand could provide stiff competition to the likes of Western Union. However those worried about privacy may baulk at giving Facebook access to their bank details in any way, shape or form.

A second way is to change the currency altogether and allow payments and transfers through new forms of money, such as Bitcoin. However, the danger of an unregulated market has come back to haunt Bitcoin, with exchanges mysteriously emptied of money and government concern that the currency is used to pay for drugs, arms and sundry Bad Things.

Now the banking industry itself has come up with a third way. Paym, has been created by umbrella body the Payments Council and enables money to be transferred by simply typing in the phone number of the recipient, provided they are also registered on the service. Fast, direct and no need to give out your bank details to other people through insecure channels such as email. However it looks like the banks themselves are unconvinced by the possibility of doing themselves out of a job. 20 million account holders of RBS (and its subsidiaries NatWest, Ulster Bank, Clydesdale and Yorkshire banks), as well as First Direct, won’t be able to use the scheme until later in the year, while Nationwide’s five million customers will have to wait until 2015. RBS says it is prioritising getting its IT systems straight, after several high profile meltdowns, before joining.

With more and more of our money transferred online to friends and relatives who are further and further away from us, we need options that make it easy to transfer money simply, and quickly. But given our previous bad experiences with banks, will it be Facebook that steals a march and becomes the new financial hub for the internet age? Either way, consumers should benefit through genuine choice and hopefully better service, whoever they pick.

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April 30, 2014 Posted by | Marketing, Uncategorized | , , , , , , , , , | 1 Comment

Paranoid Android

This is not a good time for the paranoid to be on the internet. In the wake of the first set of revelations from Edward Snowden, more is emerging about the extent of online eavesdropping by the security services on both sides of the Atlantic. According to Snowden British intelligence agency GCHQ showed off the ability to monitor YouTube video views, Facebook ‘likes’ and Blogger visits in real-time to its US colleagues back in 2012. The programme, named Squeaky Dolphin, even had its own logo (though looking at the design, I don’t think the spies should give up their day jobs quite yet).

Angry Birds

Even worse, spooks have been accessing smartphone data while people play Angry Birds, enabling them to get hold of user’s personal information. Presumably the game was picked due to its global popularity, rather than being a cunning ruse by GCHQ and the NSA to enable staffs to play it during work time.

And in an unrelated story, a security company has found an internet-enabled fridge that has been hacked and is now sending spam. This is particularly worrying given the rise of the Internet of Things, with more and more devices and appliances around us connected to the web. Essentially each of these is a small, but powerful computer, often without the same level of security and protection than you see on a PC or tablet. Being able to hijack a fridge is one thing, but as the Internet of Things spreads, more sinister opportunities arise – remotely controlling smart cars or switching on and off hundreds of air conditioners to bring down a power grid are all possibilities.

Taking these stories together leads to two concerns in my mind. Firstly, internet privacy. I think most people understand the need to collect information on identified threats to public safety, provided due legal process has been followed. What Snowden seems to have uncovered is technological spying that has gone mad – exactly what you’d expect if you put a large bunch of very intelligent geeks in a room, give them all the resources they need and exonerate them from any qualms of conscience by saying it is in the national interest. So what happens to information that is found online that is not linked to terrorism but minor, non-criminal misdemeanours? GPS data that shows an MP was with his mistress when he should have been elsewhere or evidence of unsavoury (but not illegal) internet activities for example. The nature of technology means this information is unlikely to disappear, but will sit on servers somewhere, with no guarantee that it won’t be pulled out in the future.

Secondly, security concerns have the ability to derail the Internet of Things. As Google’s recent purchase of Nest shows, market momentum is increasing. But if people add the worry of security issues to privacy concerns they are less likely to embrace the opportunities that the Internet of Things offers when it comes to increased efficiency and energy saving. After all, I don’t want GCHQ to know what’s in my fridge – or burglars to know when I’m away on holiday.

There’s been a lot of talk from politicians about reining in the security services and that needs to be formalised to reassure the law-abiding – instead of enabling spying, the tech industry should be focusing its intelligence on improving the actual security of the devices and applications that control our lives.

 

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January 29, 2014 Posted by | Marketing, Social Media, Uncategorized | , , , , , , , , , , , | Leave a comment

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