Category: Ramblings

Year in Review – 2014

I want to write more in 2015. I would also like to try a bit of that working out loud type stuff.  Inspired by the brilliant Alex Deschamps-Sonsino I have copied her end of year review questions (Which I believe were created by Molly Steenson) and written some answers.

 

1. What did you do in 2014 that you’d never done before?

Travel to Hong Kong. Travelled business class. Drank beer at a bar in a plane. I did some ‘teaching’ at work. Left a suitcase on the tube like a knob head.

 

2. Did you keep your New Years’ resolutions, and will you make more for next year?

Not really and yes. Better to have tried and failed than not tried at all or something grandiose sounding that absolves my laziness/weakness at habit forming/breaking

 

3. Did anyone close to you give birth?

No.

 

4. Did anyone close to you die?

No.

 

5. What countries did you visit?

Hong Kong, India, Dubai (airport), France, Wales.

 

6. What would you like to have in 2015 that you lacked in 2014?

A greater sense of focus, purpose and a promotion.

 

7. What date from 2014 will remain etched upon your memory?

December 12th

 

8. What was your biggest achievement of the year?

The teaching thing. I had to produce and deliver materials to teach very technically gifted employees about innovation and creativity. Properly dauntingly talented people PhD’s, scientists from CERN etc. and me with an HND in Business Information Technology from Sheffield Hallam. It went well though, the feedback was great and I got to visit Hong Kong, India and London to deliver my reckons.

I must also mention the War Cards. An idea of mine from last year that came to fruition thanks to the brilliant work of one of my colleagues. It gave me A real sense of pride.

 

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War Cards exhibit in the foyer of HSBC HQ #2

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9. What was your biggest failure?

Not making enough of the teaching opportunity (and others) that it would have been recognised as more of an achievement by others.

 

10. Did you suffer illness or injury?

After a painful 2013 thankfully not.

 

11. What was the best thing you bought?

Can’t remember anything of note I bought for myself. Best purchase for others was a £7 LEGO Star Wars Visual Dictionary book for my four year old son. He loves it.

 

12. Whose behaviour merited celebration?

Malala Yousafzai. The Daily Show interview.

 

 

13. Whose behaviour made you appalled and depressed?

Some people that shall remain nameless.

The UKIP and all their supporters.

Ched Evans’ PR advisors (as well as Ched himself).

Idiotic American gun owners.

Power crazed men in Russia/Ukraine, Middle East, Africa etc.

 

 

14. Where did most of your money go?

Mortgage payments.

 

15. What did you get really, really, really excited about?

Not enough. I did enjoy travelling a lot. I also really enjoyed my sons getting into LEGO and Star Wars. Having our first child free weekend at home in over four years another highlight.

 

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That's me

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16. What song/album will always remind you of 2014?

Todd Terje – Strandbar.

 

East India Youth – Hinterland.

 

One of the few gigs I went was to see Slow Club at The Leadmill as part of The Tramlines festival. They basically played there new album  which I had heard nothing of but thought it was brilliant on the night. Repeat listenings have proved I was right.

 

 

17. Compared to this time last year, are you:

Wiser from my mistakes and determined to get better.

 

18. What do you wish you’d done more of?

Writing. It is like I have shut off part of my brain, and there is not much to shut off. A thing I must revive in 2015 starting with this.

Working on what others deemed the right things.

Saw more live music and comedians.

Playing with my children.

 

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Splashtime

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19. What do you wish you’d done less of?

Eating, sitting and misplacing loyalty.

 

20. How will you be spending Christmas?

For the first time it was spent at home and it was lovely.

 

21. Who did you spend the most time on the phone with?

The lady of my life or Mercury Taxis or China House takeaway.

 

22. Did you fall in love in 2014?

Only more deeply (brownie point answer in case a certain someone is reading)

 

23. What was your favourite TV programme?

Sons of Anarchy finished strongly i.e. as ludicrously as the previous six seasons. It is basically a show about leadership and terrible decisions.

 

24. Do you hate anyone now that you didn’t hate this time last year?

Hate is too strong a word but there are a few that my opinion of has decreased significantly this year.

 

25. There does not seem to be a 25th question in Alex’s version. Maybe I should make one up? What was your favourite photo that you took?

This one of my two boys at Burbage on top of a rock

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Brothers at Burbage

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26. What was the best book(s) you read?

The Circle & Ready Player One. Both a bit silly but fun.

Best business book by a mile was Creativity Inc. by Ed Catmull about how Pixar became Pixar.

 

27. What was your greatest musical discovery?

The previously mentioned East India Youth and Todd Terje. Also GoGo penguin.

 

28. What did you want and get?

I really can’t think of anything. I need to start being more selfish and wanting some stuff. Set more goals and shit. Although I did want some help this year and there were some really helpful people who gave me some. Those guys were brilliant.

 

29. What did you want and not get?

My children to sleep more.

 

 

30. What were your favourite films of this year?

Snowpiercer, The Grand Budapest Hotel, Edge of Tomorrow…

 

31. What did you do on your birthday, and how old were you?

I am 38 and I had to ask my significant other to remind me what I had done and she could not remember either. Clearly it was not that memorable/my memory is fading in ‘old age’. Must have a better 39th birthday celebration.

 

32. What one thing would have made your year immeasurably more satisfying?

Did I mention a promotion? Or being able to get my children to sleep? or eat?  Or do anything I ask them?

 

33. How would you describe your personal fashion concept in 2014?

What ever was in my wardrobe and fitted. Probably a checked shirt and jeans.

 

34. What kept you sane?

My beautiful and patient significant other.

 

35. Which celebrity/public figure did you fancy the most?

No one springs to mind. I quite like comedienne Sara Pascoe, mainly because she is very funny and strikes me as being particularly
intelligent, which is clearly hot.

 

36. What political issue stirred you the most?

My continued despair at my own disinterest in UK politics. What a bunch of pricks we have as political party leaders. My local MP is Nick Clegg. I have nothing to vote for.

 

37. Who did you miss?

No one springs to mind.

 

38. Who was the best new person you met?

Same answer as the last question. Both answers are a real shame.

 

39. Tell us a valuable life lesson you learned in 2014.

Misplaced loyalty makes you feel like a dog.

 

40. Quote a song lyric that sums up your year?

‘Bass, how low can you go?’

 

That was really difficult but I found it useful. I did not have a great 2014.  I wonder how next years answers will differ knowing I will be asking myself the same questions again? Will I take more notes because I can’t remember enough? Will I try and do more exciting things?

Let’s see if I can kick start a more frequent writing habit. New Year’s resolution number one.

What if Salesforce had a core banking product?

In the same way that Salesforce commoditised CRM I often wonder what if they did the same to core banking. If they built a set of banking services that ran on the exact same platform as their CRM solution and could use the ecosystem that has built up around it. What would a bank pretty much entirely powered by and run on the Salesforce platform look like?

In June last year Salesforce and Oracle announced a strategic partnership which caught my eye. It was a mixture of we will use your stuff and you can use ours. Oracle do have a core banking solution and I wondered how tightly that could be integrated into Salesforce. Alternatively what if Salesforce built one from the ground up?

Salesforce already have payroll, payments and accounting capabilities. They already integrate into financial services and systems in a number of areas but could they go further? They would of course need banking and money transmission licenses for the markets they wanted to operate in. We would also need to see moves by the regulator to approve Salesforce infrastructure. In the Netherlands last year we saw Amazon Web Services gain approval for usage in financial services so no reason why Salesforce could not have approved bank grade data centres and services.

The term bank in a box get bandied about in all kinds of places (well the dull ones I oft inhabit) Salesforce could be the first company to really achieve that and all in the cloud. Not bank in a box, which harks back to the days of software installs but bank in the cloud, which looks to the misty ill-defined future.

I am sure Mr Benioff is all over this, if not my consultancy and reckon services are available for a very competitve license fee.

 

UPDATE 17/03/2015. Looks like they are making a few moves in this direction. Invested in nCino a newish bank software platform built on you know what.

http://www.forbes.com/sites/karstenstrauss/2015/03/17/salesforce-bets-on-banking-software/

http://www.ncino.com/

Ello, darkness, my old friend*

Following on from a spectacularly successful PR campaign the social network Ello was the hot new startup bouncing round the echo chamber. The thing that made them different was that they would not do any of that naughty data sales and manipulation stuff that sites like Facebook do. All very laudable but how would they make money? And more importantly why would the masses leave the social networks that do the rest of the stuff (bar privacy it seems) better than Ello do today?

I am a fan of any attempts by a business to be upfront with how it intends to make money. We have been here before with the likes of Diaspora and App.net and others and they all have ultimately failed to become anything like a mainstream success. Not a major issue of course but if these privacy aims are to be copied by the larger networks there needs to be financial success as well I suspect.

These sites need to solve a problem that has not already been solved or provide functionality far above that what is already available today along with privacy levels we all deserve. Easy.

But.

What if we saw a different kind of transparency? We want to make money and this is how we are going to do it and anything we choose to do we will run by you before doing it. Yes we will sell your data, in this way and to these people and we will also make it available to you in the same form, We will invite the marketers to descend etc. Can transparency and more seemingly realistic business models be harmonious or would people hate all the evil marketing focused money making stuff that people would never agree to any of the changes? Smart value exchange for the business models used, micro stock holding based on value to the network etc. etc.

Also what about more radical modes of transparency. I am a big fan of the way Buffer App is open with everything from their burn rate to their salaries. What does a fully transparent social network/web company look like?

In the banking world we have seen a few transparent business models. Barclaycard Ring, a community based credit card with very transparent trading practices (such a shame that it is only live in the US at the moment. Triodos bank is very open and honest about it’s lending practices. In the past Caixa Bank in Spain famously told customers how much profit they made from them and allowed them to invest a portion of that in local charities and social enterprises.

There clearly needs to be a strong mixture of ethics and design to succeed. I don’t think it can be just enough to say we won’t do anything bad with your data or money these companies must obviously also be better in other ways than the companies they wish to disrupt or differentiate themselves from. I wish Ello luck but I think we all know how this story ends. I hope that people keep trying to be as transparent as possible in business, especially banking, but I also hope they can make better services and products that match their ethical aims.

 

*I was beaten to the punch with this title by the fantastic author Warren Ellis. I stuck with it because it fitted well with my reckons. Here is his article which is clearly much better written as he is an author etc. 

Removing fiction from payments

fiction in payments

 

I went to an API conference last week and someone showed this slide which had a fairly obvious spelling mistake. People in our industry often bang on about frictionless and seamless in regards to payments and banking but I don’t often see someone asking for the removal of fiction. Maybe payments and banking would be improved greatly by the removal of some fiction rather than friction.

Clinkle and the stink of derision

Much to the surprise of the cynicerati of the Fintech world (I am a member) the uber hyped and funded payments startup Clinkle has finally launched.

Much of the fervent hype focused on how these smart folk from Stanford were going to disrupt the payments industry. They managed to bag around $25 million in funding including high profile backing from Richard Branson. They made a series of big name hires and their success looked on track.

But.

Then the stories of a dysfunctional team, a number of those high profile hires became high profile fires and suddenly that big chunk of funding began to look like a millstone of Color proportions.

Time went by and scorn was poured. Finally something emerged and it looks pretty average at first glance. A prepaid debit card backed up by an app with budgeting capability and ‘treats’ i.e. Rewards you can earn and share with friends. Nothing special. The Fintech cynicerati seemingly proved right.

I include myself as a massive cynic and member of that group but I have to wonder why I am so disdainful. A bunch of smart young people (bloody kids!) raised as much money as they could (too much, too young) and then created a wave of hype which has threatened to drown them from the off (probably overly confident surf bros who thought they could ride it).

I think basically my cynicism comes down to jealously they had ideas, they raised money against those ideas, they and the system that funded them built the hype machine that fuelled them but at the end of the day they have delivered something.

It is easy to get caught up in the hype and the message it delivering. Let’s all laugh at these kids who raised too much and could not deal with the pressure of running such a high profile project because page views and virtual fist bumps.

clinkle burn

The snark it burns

It is easy to throw stones from the sidelines and think you could have done better with $25 million dollars or you would not have raised as much or you would not have sought the hype or you would have hired better people or had less of an ego. You can blame the Sillicon Valley bubble and the game they played like thousands of others do less successfully everyday but these are all just reckons.

These kids did it and they have something out in the world that may make a dent in the way college kids use money and that could scale. It could of course fail and all our scorn will have been well founded and we can go back to our positions of smug privilege reaffirmed of our laser sharp insight.

Good luck to the Clinkle team. Payments and banking is massively complex and you have to admire anyone who tries something different. I hope they can emerge from the weight of expectation and derision and live up to a fraction of their hype. I also hope I can stop being such a cynical dick but I doubt it.

Age 17: Mixtape

The very smart Greg Povey tweeted a random little thought / call to action today ‘Make a mixtape from when you were seventeen’. Ok, I will.

Greg also wrote a few words about it including this

Seventeen is a tricksy time of life to pinpoint: an age of leaving immaturity, delusions of adulthood, tastes developing but still relatively primitive. Mismemory will con you into thinking your seventeen year old self had the tastes of your fourteen or twenty year olds.

March 31st 1993 was when I  turned 17. I was coming to the end of my GCSE resit year at Tapton School in Sheffield following a bit of a screw up due to a serious lack of revision the previous year.  A tricksy time of life indeed.

I was mainly into drum and bass/trance and hip hop. There are a few stand out DnB tracks from that time but mainly it was about the DJ and the mix and the MC. When looking back it turned out that 1993 was a massive year for hip hop and there are singles and albums I still listen too today from this period. By the end of my 17th year my interest in hip hop was on the wane. Excesses had crept into the albums and videos, it as all 2Pac, Biggie and Puffy and I hated all three of them. Legal drinking age beckoned as did trance and drunm and bass nights at the Palais.

By March 1994  hip hop had been largely left behind but for the majority of my 17th year it was pretty much all I listened too.  Here is my age 17 mixtape. Eleven hop hop classics and One final track that mapped out my music taste for the next few years until things got a lot more guitar based.

Playful 2013

playful header

 

Sharna Jackson the compere for Playful 2013 called it ‘An amuse bouche of ludic geniosity’. I am not entirely sure what that means but I think it summed up the day perfectly. The sub heading for the conference was ‘playing with form’ and it focused on making and the materials used (A familiar pattern to my conference attendance lately). Here is my attempt to summarise my favourite talks of the day. I will probably not do them justice.

 

Duncan Fitzsimmons – Vitamin Design

Duncan is a designer at a firm made up of a random mix of people, electrical engineers alongside more traditional designers etc. an intriguing mix that informs and shapes their work. He spoke of using bananas to get elderly people to design their ideal mobile phone. The ‘silver phones’ as they are called today are usually Fisher price looking things with massive buttons and limited functions (he showed some that did not even have enough numbers to dial a new number, just store numbers. They took a different approach due to the fact they could see that elderly people were getting the exact same smartphones we all are. The problem is that no one reads the manual as it is more often than not, useless. They built the ideal manual, a book that the phone and its parts e.g. the SIM card, sat in the middle of. Each page revealed the next step in setting up the device, it then had pointers to the areas on the screen and instructions to follow. Building the device into a book meant it formed a much tighter bond with the device and increased the knowledge of the user to a different level. Watch the video.

The second project he showed was sensor design for snowboarders, he showed how they prototyped things in their labs, trying out the most Heath Robinson of contraptions and refining as they went until they actually tested them out at the snow centre in Leicester. The closer the sensors got to the real world and snow the more challenges presented themselves, they managed to make a kind of speedometer that tracked actual movement over snow, when they tested it on snow it worked perfectly up to about 4mph. Duncan then showed a video of it in real use. Watch it. Imagine what it would be like to hook it up to FX traders (while they trade FX rather than hurtle down a mountain)

Thirdly he showed how they designed a foldable wheel, a problem that has been tackled many times before but never truly cracked. They had been challenged with making a folding wheel to form part of a folding wheelchair to make travel easier. Again it was fascinating to see the prototypes and their progression from almost string and lollipop sticks through to printed metal forms and different types of solid tyre and innertube. The end result was amazing, award winning and in production now.

 

Anne Hollowday – The Makers of things

The talk I was most looking forward to was this one. Anne made a series of films about the makers of things which were released earlier this year. She interviewed a series of gentlemen who were part of the SMEE. They are dyed in the wool makers, electrical engineers, woodworkers, tinkerers and hobbyists with garages and workshops that had grown over a life time of making. One of the makers filmed, George, said he had been ‘making sawdust since he was 11’. I urge you to go and watch all the films, they are only 5-6 minutes long, there are 5 of them and they are beautiful.

The quote that came out from those films and a similar thing was mentioned in other talks, was a quote from one of the makers featured, Mike Crisp and he said ‘Make what it is you want build and learn as you go’. There is a wonderful moment in the woodworker film where he talks about the grain of wood ‘Each bit of wood has its own destiny, which you don’t really know until you start digging into it and find out what’s inside there’

One of the downsides with playful is that they don’t film the talks (a purposeful decision to do with your own memory of things) but I really wish they did as I would have liked to watch this one again.

The films also made me think of James Bridle’s working shop where he tried to frame coding in a similar way (probably becasue the film is also by Anne). These digital things that we make might not have the same feel or the same detritus as wood or metal that shows work is being done here but they are one in the same.

 

John Wilshire – Putting things in things

John did a great talk that was about boxes both the physical and the metaphorical that was smart, witty, Scottish and featured molten brass being poured dangerously into a tin mould. Thankfully John himself has written his talk up over here. Go and read that.

 

Ben Reade – Nordic Food Lab

Ben strode onto the stage and he was a massive and blonde haired Nordic sterotype. Turns out he is Scottish but he has a weird scandianglo brogue that was as bemusing and mind bending as his brilliant talk. The Nordic Food Lab is a place where people experiment with food. Part funded by the famous Noma restaurant in Denmark it is a place where, in Ben’s words, people were free to experiment without judgement. I love that description. His first job upon joining the lab was to trap the smells created during the making of chicken stock. His experiments lead him to build a still, as in the type used to create alcohol, turns out this is illegal in Denmark unless you have a license but as he was distilling chicken and not alcohol he got round the rules.

In Denmark they have more than one word for play. They have the word ‘Spille’ which means play within the rules and they have the word ‘Lege’ which means to play with no rules. Ben’s work was certainly more about the latter.

His other experiments were even more bizarre. The food lab has a Nobel Rotting Room. This is a place where they play with fermentation, and mould growth and other forms of naturally occurring things in the hunt for new flavours and textures and experiences.

Ben spoke of his research into mummification ‘We could not easily get access to Egyptians but we did have some dear’. Using specific kinds of bacteria that make fruit break down in certain ways that would allow them to be coated in wax and preserved and infused with flavour as part of the process. They ended up making a kind of faux olive that was actually unripened plums that were waxed. From one of their experiments they discovered a form of wild spinach that when left to ferment with an odd mixture of other things tasted exactly like fine fois gras.

‘Zero method and all the madness’ was a memorable line Ben used to try and explain a whole host of failed techniques they had tried but that did not stop them trying over and over again with new combinations.

I will leave the last word to well known food critic/explorer, Anthony Bourdain, on a visit to the food lab and his encounters in the Nobel Rotting Room

‘You guys have got some seriously f***** up s*** down there’

 

Stef Posavec – Dancing at Facebook

Of all the people I have seen speak at conferences Stef might be the person I have seen the most and she is always brilliant. This time her talk was primarily about her recent stint at Facebook working at their analog research lab.

‘I had a guy who could basically get me any Facebook data I wanted’ was the position Stef found herself in and while I can imagine having something that vast must have been tempting to go big Stef did the opposite and went small. Stef mapped the Facebook campus bars…on a bar chart of course, looked at smaller and more personal interactions and visualised those using dance notation.

 

Stef had some smart rules for data visualisation

1. Represent data truthfully;

2. Always try to show subtle insight;

3. Provide an explanation;

4. Use meaningful data;

5. Context

 

Stef is one of those people that I would love to be able to say ‘If you had access to any banking data what would you choose and what would you make?’ one day perhaps.

 

Rev Dan Catt – The perfect game of snakes and ladders

Dan Catt is someone’s whose work and writing I have admired for some time. He is an ex-employee of Flickr and the Guardian and is now freelance building lots of wonderful things for money or fun or both.

For his talk he wanted to tell us about the best snakes and ladders board. This is it below.

Rev Dan Catt

What is so good about it is that this board allows him to play with his children and the game last round about 10 minutes each time, the perfect amount of time to have a fun time and keep your children’s attention span. The board was not created by hand in any traditional manner but by code and algorithms and cloud computing.

The inspiration for this came from the now defunct Kindle DX, The large screen kindle Amazon released for a short period in the US. Dan inspired by friends wondered if you could use it to create infinite game board. Taking traditional games and generating an infinite amount of new layouts but within controlled boundaries. For example for Snakes and Ladders he had to code rules that said do not place two snakes too closely together or to make sure the angle of the ladders was not too horizontal, code that returned both aesthetically pleasing and nice to game boards.

Dan ran nine free instances on Amazon Web Services to generate the boards and then one further machine to grade the boards. He had created over a billion boards so far. All this computing power for free (he keeps under the daily limits) means he can run these things continuously (I think he said he wanted to run it for five years to create perfection). A brilliant mind.

Another great day at Conway Hall.

Curated By…an event at the Sheffield Hallam University Graphic Design Department

 

Curated By is an event organised by Sheffield Hallam Universities Graphic Design Department. They bring together a small group of people in the design field and give them 30-40 minutes to entertain and inform the crowd of mainly horrifically young students and to a lesser extent middle aged people like me. I went to the first one earlier this year where Jack Schulze of Berg stole the show.

The second event was inspired by one of Jack’s slides from his talk. It showed Richard Dreyfuss in Close Encounters of the Third Kind in front of the model of the mountain. The quote on the slide read ‘He had to make it because he had no other means of communicating what it was’. The day was about making things, the makers of things and the materials for making.

 

dreyfuss

 

There were five speakers. Joe Malia of Berg did an amalgamation of stories about Berg creations, their ways of working and more interestingly (I have seen the excellent Berg stuff quite a lot) a history of computing taking in the Lincoln Lab at MIT, The tech model railroad club, the donation of a computer to said club and how they hacked away at it to see what it could become. People like Ivan Sutherland who were pioneers at creating the first computing interfaces such as light pens, Doug Engelbart and his infamous mother of all demos where he showed word processing, the mouse and keyboard, video conferencing, the internet and collaborative editing in 1968 way before most people had even seen a computer. He talked of how these hackers had brought about the home computing revolution, showing a clip from the Jobs biopic showing Steve Jobs and Steve Wosniak having a heated debate about if normal people would ever use computers. Of course if you make them less like computers and more capable for normal people to use them to make things it turned out they would certainly use them.

 

Patrick Bergel of Animal Systems and one of the creators of Chirp talked about our interest in the visual over the audio, people would love to understand the great painters rather than the complexity of birdsong. Chirp allows data to be passed over the air via a series of beeps and chirps inspired by birdsong.

 

Max Whitby of Touchpress showed off some very beautiful iPad apps that visualised the periodic table, the films of Disney, the sonnets of Shakespeare etc. but his talk lacked much explanation into how they were built more just ‘here is a series of beautiful things look at them and marvel’. Well worth checking out the apps but as a talk I did not find I that engaging.

 

The best two talks of the day by some distance came from Brendan Dawes and Kate Moross

 

Brendan is someone I saw talk a few years ago and he was hilarious and inspiring. He has not got any less funny in the last few years and his work is still brilliant. He spoke of his history with computers and the day his dad brought home a Mac. His amazement at Photoshop and this machine that had basically pushed all the computer stuff backwards and allowed the creativity and capability of the deice come forwards.

He talked of his sadness that Photoshop had gone from a simple and powerful beauty to this bloated beast of today ‘Like if you only knew Elvis during his fat phase’. This failing of tools made by others lead him to make things that made things. Digital tools that helped him solve specific problems that he had. He had progressed beyond Paintshop and making things with the likes of Processing and using data as his main material.

He was scathing of creativity courses that sent middle managers off to axe sharpening courses when they should be learning to code and make using the machines of today. Nostalgia is fine to a point but we should only be slightly influenced by the past not bullied by it. Looking back fondly to a time when making things with metal and wood was the norm, yearning for the physicality of Polaroid cameras when you have these new amazing machines in front of us that we have only scratched the surface of their capability.

He also spoke of how the tools he made and the materials he used were inspired by nature, the mathematical patterns found in things such as sunflowers and what is known as Fermat’s Spiral or as Brendan called it Vodel Spiral. Using data to form similar patterns but in a controlled way, he called it randomness but within constraints.

 

Brendan Vogel

 

One example shown was a series of concert posters that had a simple pattern that represented cities. They were created by algorithms and the digital forms were then printed in analogue methods which added a uniqueness to them as the screen printing process added the effects of ink on paper. Other examples shown included weaving Shakespeare quotations with news stories of today, the beautiful digital city portraits produced for EE, A data visualisationon the number of kills each James Bond made, A move into the physical realm with his 3D printed work around algorithmic shapes to represent musical forms, and making simple machines fed by data such as his weather machine and his happiness machine.

Brendan was a big advocate of putting your work out there, especially the stuff he had created that was just him playing around, the stuff that most people might say ‘but yeah what is the point?’ Because that is what he has found has led to more commercial work, things that people want him to try. That ability to just play and experiment and publish is something I think is what holds back most companies from truly innovating.

 

brendan kills

 

He ended with a great quote he had heard someone else say ‘If no one is getting hurt then it is not cutting edge’ which I loved and he also said that for all computers brilliance they still have no taste and it is up to us humans to make beautiful, inspiring and challenging things.

 

I had never heard of Kate Moross and I have to be honest as it was the last talk of the day and as Kate was dressed in bright yellow trousers, a bright red sweatshirt with a maze on it, an orange beanie hat and dyed pink hair I was making some judgements about the type of talk it would be and my assumed enjoyment levels. I could not have been more wrong or more of an idiot.

Like Brendan, Kate talked of creative freedoms in digital spaces, her start was not Photoshop and Macs but MySpace. Kate had learnt a bit about coding and designed her own portfolio page on the site but as this was several years ago before the proliferation of digital cameras and easy to use digital tools lot of people could not easily add creative designs. Kate ended up designing logos for bands and record labels to use on their MySpace pages. She published her drawings and art there. Her work got noticed and she ended up doing quite a bit of commercial work while still in her second year of university, the culmination of this was she ended up doing a fairly well known campaign for Cadbury’s at the age of 19.

With the money earned she decided to start her own record label, Isomorph, because she wanted to design record sleeves. This did not turn out to be the best idea commercially but actually lead her to realise what it is she was good at and what she wanted to do, ‘Make music look good’.

 

moross sleeve

 

Isomorph closed after 5 records were released, Kate built on what she had learnt and started Studio Moross with a view to building what she had done with the record label but concentrating on making music look good. She designed CD promo sleeves and packaging that would be sent to radio stations in the hope of airplay, this has progressed to more video related creations. Moross work a lot with independent labels and when songs are released they don’t have videos but they do need to be published on YouTube so they create looping animations and videos for these songs to represent them online. They have worked with one of my favourite beat combos, Simian Mobile Disco, and they produced a very trippy video where they bought £30 worth of insects, got a cheap SLR mount and macro lens, filmed said insects then added a load of digital effects after. Whole thing cost them a few hundred quid and looked great. Kate said it is about getting across the thing in your head in as creative a way as your budget allows.

Kate has a bewildering array of work in this space and her studio was progressing into making full on music videos such as the recent Jessie Ware track which has had over 16 million views on YouTube. She still illustrates though and had also had the chance to turn her illustrations into a more physical form in the shape of a club / party night for Ray Ban.

moross ware

He talk ended with some sage advice from this very young and very talented lady as she barracked the students (and others in attendance) to not be lazy, to get your work out there, to learn about the commercials realities of design, have no fear, learn how to improvise, make stuff even if you know your first attempts will be awful, make your own luck (the title of her book). A great talk, with a thumping soundtrack to end the day.

 

As someone rubbish at making stuff it was inspiring to hear from those who had done it and the lessons they had learnt. There were many parallels with the corporate world and lessons to learn especially around the restrictions it places on making and creativity both from a tools point of view but also more importantly a cultural one. That being said I think these maybe more of an excuse or just a symptom of fear.  It was a good way to spend an afternoon and I look forward to more curated by events.

Why doesn’t Richard Branson buy Bank Simple?

Random thought of the day. What if Richard Branson, the owner of Virgin Bank (old Northern Rock) bought Portland based neo bank (Bank) Simple? I am intrigued to see how well Simple do now they are out of Beta. I think they currently have around 20,000 customers in the US and are starting to push for more. I selfishly wonder if they would get greater traction faster in the UK? Like the US bands that struggled for an audience in the vastness of the US yet came over here and did a few festivals and are now mega stars (how the hell The Killers managed that I will never know) In the US there are several thousand banks, here we only have about five. Simple could clean up over here in the retail market. Of course I suspect they will do very well in the US I just want a proper digitally minded bank in the UK to shake things up a bit.

Why Branson?

Well he has loads of cash and owns a bank that provides almost all retail banking services (no current accounts just yet but that would be perfect to launch with Simple) yet they seem to be focused on a branch based model. What if they really went for it digitally? Take the fight to those big banks in cyberspace and not on the high street. Come on Richard give it a go. Not sure Josh and Shamir will be up for it but $100 million and a few trips to your private island should sort it. Might be a nightmare integration process with those dusty old back end systems but no pain no gain yeah? Just a thought.

My problem with future branches

I only have a mild interest in the future branch type stuff but some sort of tipping point was reached and I felt I had to write about it like a grumpy sod.  From my point of view it seems the prototype future branches fall into two basic categories. The shiny ultra sleek technology stuffed, self-service focused branch and the ‘come in relax, we have free wi-fi, would you like a skinny mocha latte with that financial review’ faux coffee shop full of lovely people not really selling you stuff, honest. There is also actually a third one and that is closing them but that is a whole other thing.

The first type is an obvious example of using technology to streamline processes and make the brand seem shiny and innovative. Some of the technologies are undoubtedly very clever and powerful but they are also a bit soulless and they are seemingly still incapable of escaping paper. This example from Audi Bank just screams don’t touch anything. So clean, so unwelcoming yet they expect people to stand there and browse dream cars such as a Kia. There are many more videos like this I just picked on this one as I saw it recently. Maybe it is future concept videos that actually annoy me.

 

The roped off branch, making customers feel welcome since 2012

 

Self service based branches are inevitable but they should cater for those functions that they excel at. Basic transactional banking. Pay in and take out of money, process the antique paper still associated so heavily with banking. If you can make them more developed sales areas with things such as video calling and interactive signatures then go for it…but surely in most places those can also be offered to people at home today? All these advances in technology are needed and the slick future branch does show them off well. The cost of branch banking is getting harder to justify and technology solutions must be investigated but don’t confuse techno utopia with customer happiness.

The second kind, the chillax coffee shop, is the one that irks most. The reason being that it is an admission that banking has gone too far down the self-service, automated robot route and now banks are confused why no one comes to talk to them anymore? Don’t they love us? Just because we built all these automated straight through processing systems that does not mean we don’t want to hear people’s hopes, dreams and desires. The realisation has set in that customers know banks don’t want to talk to them unless they want to sell them something. Banks have gone out of their way to make them less human and accessible by process shaving and penny-pinching. You can’t phone your branch, try booking or amending an appointment online, they are almost off the grid spaces until you walk through the door. Like a much less exciting version of platform 9 3/4 at Kings Cross.

 

Why madam don’t you look fantastically relaxed and not at all awkwardly staged.

 

But the main reason for my annoyance is the fact that there is a lot of effort and cash put into these jovial chat shops in the real world yet banks digital platforms remain as conversation free as a library in a monastery. The ability to converse in the scary “new” world of the information superhighway seems lost on most financial organisations. Regulations and rules will be blamed but the reality is banks are not the worlds greatest conversationalists. The unkempt wilds of the web and its 2.0 consumer obsessed walled gardens of inanity represent some sort of alien landscape that a process obsessed industry just can’t codify or fill with cheap coffee and comfy seats.

The solution seems obvious to me. Hire or train capable people who can converse in these new places in the strange tongue they have adopted and make your organisation seem infinitesimally human. Think how you could add nice conversation capabilities to your cold hard Internet banking portals or maybe make it possible to actually reply to those marketing emails you are so fond of. The telephone, and video chatbooths in branch cannot be the only place you can talk with your customers. Of course you may not be able to directly sell loads of products in those digital spaces but there is a lot of mileage in at least making them conversant. Asymmetric digital conversations can be much more flexible and achieved in half the time than waiting on the phone or schlepping to a branch.  It is of course important to be innovative in branches and try new things, they are still very important pieces of banking infrastructure and I do not wish to see them closed. For me it is about making it as easy as possible for your customers to talk to you when and where they want irrespective of the medium.