Blog

We’ve described service alignment, ecosystems and how these impact trust in previous articles.  In this article we explore the impact of technology on community financing, and in particular how technology can support disintermediation of financial services and serve to empower communities in taking back control of their financial arrangements.  This is an opportunity for developing economies, where many people are poorly served by the financial system and exploited as a result, but also in developed economies where there’s a real opportunity to rebalance the power of individuals and small businesses.

We believe an effect of this empowerment will be to encourage communities to make more sustainable choices about how their environments are managed; community ownership will allow longer-term and more community focused decisions to be made, while practical applications of fractional ownership and cryptocurrency rewards for sustainable energy production will reduce need for fossil fuels and costs.Read More »Microfinance, fractional ownership and crowdfunding

In other articles we’ve covered reputation systems, truth, identity and authentication, and how hiveonline’s truth-based contextualised reputation system will address this.  We’ve also observed a number of applications of similar approaches in fields as diverse as medicine, trade finance and community agriculture in developing economies. We’re confident these reputation systems… Read More »Career as microservices – reputation based skills validation

Plebocracy bias: Post-truth. Information bubbles. Echo chamber. Confirmation bias. We’ve all heard a lot about these phenomena recently, but they’re not new. Opinion, regardless on whether it’s founded on fact, has always influenced apparently impartial decision makers, often unfairly disadvantaging individuals and organisations. In New definitions of identity and authentication… Read More »Plebocracy bias

This article is part of our randomised, post-structural Let’s Build a Bank series of articles. In this article, we explore concepts of customer authentication and identity, arguing that in the ecosystem economy we need to take a fresh look at what we mean by a customer, break the traditional human-based paradigm… Read More »New definitions of identity and authentication for trust-based ecosystems

This article is part of our randomised, post-structural Let’s Build a Bank series of articles. The rules of competitor analysis are changing as the economy moves from ego- to ecosystem. As customers increasingly own their own data, they also own and control the reputation of organisations, and applying the customer… Read More »Partners, competitors and positioning in the connected economy

This article is part of our post-structural, randomised, Let’s Build a Bank series of articles In this article, we explain the practical steps needed to build CX driven services, towards a capability driven architecture for your business or service.  NB this is closely aligned with Building Capabilities, which is the… Read More »Customer Experience Led Service Design

We’ve written elsewhere in this series about service architecture, building flatter organisations and a capability-based ecosystem approach both to organisations and service provision across organisations.  In this article we address the governance implications for banks in general and the service-aligned ecosystem in particular. What is decision architecture? Decision logic is… Read More »Decision Architecture

The world’s getting more connected; nobody would argue with that.  In this article we consider the macroeconomic impact of this trend, the shift of power that appears to be taking place away from the big organisations towards smaller firms and the implications for banks. Work, money and utility Traditionally, work… Read More »Shifting values in the connected economy

This article is part of our randomised, post-structural Let’s Build a Bank series of articles.  If you’re familiar with our series, you’ll know our articles are long.  This one’s longer.  We don’t apologise for this, we hope that you will find the additional content more interesting. In parallel, we examine… Read More »What’s the point of banks?