Category: Articles

What if Apple is rotten at payments?

The rumour mill is being spun by a torrent of leaks and is grinding out all sorts of breathless commentary and hyperbole because pretty much everyone connected with mobile payments and NFC has been waiting for Apple to enter the payments and NFC game for several years.

 

 

Obviously because most people think Apple will redefine payments and bring about a wave of innovation the like of which the banking world has never seen.

 

But what happens if they mess it up?

 

  • They seem to be partnering with the old guard (Visa, MC, Amex). Will there be room for the new (BTC, XRP etc)?
  • Will it be US only? That would be laughable. They surely can’t launch in all iPhone markets though can they? Surely not China? Partnering with the big 3 will help though
  • Will people use it less than Siri? Will it be more Ping than Pingit?
  • Will the lose credit card details as easily as they lose nude celeb photos? Not PCI-DSS but more PUSSI-DSS? (sorry for both the crude pun and the lazy observation, they have never lost any credit card numbers and it is yet to be proved they were hacked…brute force failure on find my iPhone aside)
  • Will it only work with TouchID therefore alienating a large portion of their customers and making old hardware incompatible? Unthinkable, and BLE is in most of the previous generations of hardware
  • Will they have access to payment/transaction data? If not why bother? If so what will they do with it?
  • Will the telcos/carriers be involved? If not will they get annoyed and not sell it (HAHAHA)?

 

I do not think they will screw it up, the other innovation giants have tried and largely failed outside of single markets *cough* Google Wallet *cough* (maybe HCE and tokenisation will change their fortunes and make things more global), but payments and banking is really hard. I think if they do announce it will be baby steps at first and playing nicely with the big boys (they don’t want to be a bank or a money transmitter).

I am just playing the negative card because if Apple does screw it up then does mobile payments join NFC in the trough of disillusionment? Will it stop mobile payments entering the mainstream for another decade? Will it prove the real doubters’ right when they say mobile payments offers no value over cards? The 9th of September should give us an early indication. I really hope I am wrong…I mean all the rumours could just be nonsense and they announce nothing to do with payments at all.

Screw omnichannel

As wretched buzzwords go omnichannel is right up there with the worst of them. Far too close to omnishambles for my liking. I would much prefer to think only channel (or onlichannel if you want to be a dick about it).  Also why is banking so obsessed with channels?

In banking omnichannel basically means having the capability to do anything from any channel (mobile, branch, telephone) and resume or complete or see notification of that process or event on a different channel whenever and wherever you want. That is of course a good thing but is the focus on providing this type of functionality at the detriment of single channel experience? Are your channels really as good as they can be today without adding yet more complexity?

first direct (disclosure: I work for the company that owns first direct) is currently, and has been for years, 10-15% higher rated from a customer satisfaction point of view than all of its big name competitors. This is mainly down to one channel in my opinion, the telephone. They have pretty much mastered the telephone as a channel for banking. No automated menu, just straight through to a skilled, well trained and friendly person in either Yorkshire or Scotland. That first point of contact have to resolve the issue or at the very least take ownership for its completion. Seems so simple yet evidently the competition thinks it can’t scale or does not stack up financially otherwise they would have copied it years ago.

Do you want all your channels talking to each other before they are fully capable of talking to a customer as well as they could? Can every business model you have complete within a single channel? If not why not? In some countries wet signatures i.e. you have to physically sign a piece of paper with ink, and regulations prevent this but within reason you should be able to complete or get to the point where signing and returning any forms is the very last thing needed to complete the process.

Another thought I had about channels is can you sign up for a single channel? Can I join a bank and say I only want to use tablet or mobile? Or do I need a slew of different identities for telephone, internet banking and for mobile as well? Why?

My parents are in their 60s they have a netbook, and both Android and Apple tablets, yet they are terrified of ‘Internet Banking’. One element being the complexity and fear of someone hacking their PC. I have a feeling that fear would be reduced if they could just use the iPad app. The sign up process however means they have to register for telephone banking and online banking, then setup another password inside that to allow them to use iPad banking. A barrier to entry to high for some.

The other fear is doing something wrong. My colleague Darren had a great idea about providing read only banking. You can see what is going on with your account online or on mobile but you can’t make any changes. You could get family members to authorise access or make the changes for you or use another channel to get a staff member to complete it for you, omnichannel of a different kind.

Can I opt out of specific channels fully? Never send me any post, never, ever call me on the phone. Can your business models function with the loss of one or two channels? Is omnichannel a desire or a functional need that you can’t operate without?

I was reminded of this dusty post stuck in my drafts folder when Phil Gyford published his awful experiences of trying to open a business account in the UK. Go and read it for a funny and frustrating insight into how complex it is to purchase the primary product of banking. What this effectively comes down to is really good service design, customer journey mapping and all that other good UX stuff being of the utmost importance or as Tom Loosemore put it…

The default should be letting the customer complete the process as simply as possible in the channel they started in. While the word omnichannel is a horror the capability it promises is a good thing but please don’t let it be at the expense of making singular channels as good as they could and should be.

What we did with the War Cards

Way back in May 2013 I asked ‘What to do with the War Cards?1 thirteen months later it is finally time to show you and to tell the story of how we did it.

To refresh your memory the War Cards are a set of index cards which detail every member of Midland Bank staff that went to fight in the First World War. It contains details of around 4,000 men who went to fight. Over 700 of whom unfortunately did not return from service.

The war cards were found in the old Stationery Department in Colindale during the 1970s by Midland Bank’s first Archivist, Edwin Green. According to Edwin, they were hidden away on “a high and grimy shelf”, and he spent much of the rest of the day looking through them in amazement at what he’d just found.

As the 100th anniversary approached Rachael Porter from the HSBC UK Archives team was keen to do something with this unique data set. We wanted this data to be free and accessible to all. Inspired by systems like the Transcribe Bentham project2 and the Old Weather Project3 we decided that we would scan and transcribe the data set and hand it over to the Imperial War Museum to form part of their wonderful Lives of the First World War project4. The latter was not decided until about six months into the project.

This story of how it happened contains around 5,000 words. That is approximately 1.25 words for every man that left the safety of working for Midland Bank and went to fight in one of the bloodiest wars the world has ever seen. I am sure you can spare the twenty minutes or so it will take to read.

One thing to bear in mind as you read is that this was done largely as a ‘side of desk’ project and we had a very minimal budget. We were looking for cheap and innovative solutions (or favours as they are sometimes known). Thankfully for us there are some generous folk around.

 

Physical to Digital

When we started we had four large boxes of old and fairly brittle index cards. The first thing we needed to do was transfer these from the physical world to the digital, in other words we had to get them scanned. We could have done this by hand on the old manual scanners the archive had but that would have taken quite some time as there were around 4,000 of these cards with detail on the back and the front. So, we sought help from other quarters: did any of the museums have facilities we could use? Not any that we contacted. Any commercial organisations fancy offering any help? Not the ones we tried. Thankfully an internal source came to our rescue.

war cards 1

We were given a contact at HSBC Coventry Scanning Centre as someone who may be able to help. They operate a number of industrial scanners that capture any paper forms and letters sent in by customers. She believed we could use these to capture the cards.

Her initial assessment looked bleak however in that the scanners were tied to a bespoke bank system and there did not seem to be a way for us to get the images out. Damn.

However a week later she got back in touch saying she had cracked it! Yes. She had found a queue that would allow images to be extracted for use elsewhere. Then all we had to do was prove that the big automated scanners they use would not damage the War Cards. A testing facility for the scanner exists in Sheffield so we ran some tests there to prove the cards would not be torn to shreds by the scanners and thankfully all went well and we could proceed.

A few weeks later Rachael and I headed to Coventry, Rachael driving from the south with four big boxes full of cards. We were helped by a number of staff who had the task of capturing the 4,000 cards over the next few days. Off we went scanning the cards in batches of 30 at a time. We worked our way fairly slowly through the first box and then found we had been capturing the images to the wrong queue i.e. one we could not extract images from which meant we had lost a mornings work and had to start again (annoying but it could have been much worse).

Two days later the images were captured. A few days after that we had them on our internal network in a series of named folders each containing a batch of 60 images representing the front or back of a War Card. We were off and running. We can’t thank the Coventry team enough for the help as without them this would never have happened.

 

Finding a Platform

The next phase of our plan was to build a crowdsourced transcription platform, which is basically a way to host all the images and get lots of other people to type in the data on the cards. I had posted publicly on both our internal blog (this one) and my external blog about the War Cards and asked for ideas and suggestions for suitable software. Thankfully a few people got in touch with ideas for help. A lot of people were very helpful including but not limited to;

  • Ben Brumfield from the US is an expert in manuscript transcription and even had his own software which we experimented with for a while but did not quite give us what we wanted. He gave us lots of help and pointers which were fantastic
  • Kim Plowright gave us lots of useful pointers and names and at the time she was herself involved in Channel Four’s subsequently award winning D-Day events.
  • Chris Thorpe was also involved early on and again was very helpful in thinking about transcription challenges.
  • Nick Jewell provided a fantastic and detailed comment to the initial blog post internally suggesting a great set of routes to take including looking at commercial platforms like Zooniverse5. We did and it was a bit big for our needs but I did meet some nice astro physicists).
  • Simon White suggested this lovely looking open hardware book scanner6 which if this project is successful enough someone generous might fund for us to use in future projects. Hint, hint.

Finally we were also contacted by Luke Smith from the Imperial War Museum who was running a very interesting project called Lives of the First World War which sounded like a perfect home for the War Cards and he was very keen to have our unique data set. We just needed a platform to convert what we had into something the Imperial War Museum’s system could consume.

My colleague Paul Dougan came in to his own at this point diligently researching archival standards such as Dublin Core, doing this right and that was a key requirement for our platform and he was instrumental in testing potential software solutions of which we tried several. Ben Brumfield’s platform ‘From The Page’7 was a bit too free format. We also trialed the Omeka8 platform, which uses Media Wiki the same platform that Wikipedia is built on, and has been used by several other historical transcription projects and looked for a while like our likely solution but we could not bend the UI to our will.

After a few false starts, red herrings and failed tests Paul made the decision to build something from scratch. He had wanted to use Drupal9 a popular open source CMS for quite some time and this gave him a good excuse. Drupal has loads of support, loads of modules and loads of flexibility, it looked like something far more able to meet our niche needs. Quite quickly Paul had a working prototype built and we had the beginnings of a useable and configurable system. The system was constructed without the need for any “coding” but through the configuration of preexisting building blocks. The only proper code being a small script to assist with the data import/export and validation processes.

 

But where would it live?

My initial thoughts on this were that the transcription system would be hosted on the web. Oh how naive I was. We thought we could just get an Amazon Web Service instance up and running, host the system and let people loose on it. Sadly not.

While the War Cards contained details of staff sadly no longer with us the data is still treated with the upmost importance which meant we had to abide by existing legal and information security standards. Anything hosting bank data needs to be rigorously penetration tested by an external security firm. This would have incurred a charge of tens of thousands of pounds which would have crippled the project.

We would also have had to use approved 3rd party hosting providers – the systems and processes around it were not really geared up for these kinds of experiments. There were also legal and empathetic concerns which we could not check before transcription e.g. would the data contain anything that could be embarrassing to living family members? There were challenges around registering users, catering for double entry to ensure accuracy, as well as implementing solutions to prevent mischievous transcription efforts.

We decided it would be easier for all concerned to do this inside the organisation on our own development servers. Once we had made that decision it was relatively simple for Paul to get Drupal up and running in our environment. We were well and truly on our way (it sounds relatively easy but these simple sentences don’t convey that it took us several months to get to that point)

 

The system takes shape

By the end of January the system was ready to start testing with real transcribers. Paul had worked tirelessly on making sure the data was captured and stored correctly within the system and that the transcription data could be extracted accurately after the fact to handover to the Imperial War Museum (IWM).

The system needed to not only deal with the transcription but also had to allow for multiple user profiles and access to the cards without locking, feedback mechanisms, administrative features that would allow the archivists to approve the transcriptions, as well as statistics on where we were in the overall transcription. By the end of the project it was a worthy piece of lone engineering.

war cards transcription

The main transcription screen of our system

There was a conscious decision taken to build a minimal viable product and to start using it before it was entirely complete and to iterate continuously in response to user feedback. In fact we received over 700 pieces of feedback from users relating to all aspects of the system although mainly these referred to the legibility of the handwriting on the cards.

We loaded up our first batch for testing and the three of us transcribed some cards. Rachael is a trained archivist so reading the old script was a piece of cake for someone with her skills. Me, not so much, for someone with such awful handwriting you would have thought I would be good at reading what looked like scrawl…but no. Thankfully there are quite a few typed cards.

Test yourself on the War Card of Monty Parish and see how much of it you can read.

war cards monty

Would you have made the grade? What did you think his first name was?

Read on to hear more of the story contained within this card.

 

Getting people into the trenches

After our tests we were ready to open the doors wider and we had been teasing the launch of the system via our teams internal newsletter and blog, a War Cards Community site and also on our internal collaboration back channel, uBlog (An internal Twitter clone based on Statusnet). As such we had a group of around 20 volunteers who could help us gently kick the tires of the system and ease our way into the transcription effort for real. The first few batches of images were transcribed in just a few hours. People were talking about the stories on uBlog. Problems and enhancement requests for the system were being raised and it was clear fairly early on that this was going to work.

We added more images, and we opened the doors publicly; we invited more people through our own networks and we started to build transcription momentum. We received a further boost when our project got a mention in a couple of widely distributed and read newsletters at HSBC. The week after those letters went out we had over 100 people helping with the transcription effort. With around 8,000 images in need of transcription we needed as much help as possible.

We certainly got it. The word began to spread organically and by the end of the campaign we had over 274 transcribers registered from all over the globe. The pace of transcription picked up dramatically throughout the transcription period as we added new people to the cause. We started to see 5-10% of the cards transcribed per day at our peak output. Every little bit helped and we are very thankful for everyone who transcribed even a single card.

Of the 274 transcribers we had some real superstars, people who went above and beyond for the cause. I would like to make a special mention to our top ten transcribers for the War Cards effort. They contributed 1547 transcriptions which is just under 40% of the whole set. Absolute heroes.

The first batch had gone live on the system on 11th of February and the final transcription batch was completed by the 2nd of May. We loaded the batches quite slowly at first while Paul tested the system for leaks and cracks. When batches of cards would run out we had people clamouring for more.

We had some more difficult batches as the final hurdle. Some of those had stories more detailed and complex than a single card could hold. The longest of which ran to six cards back and front. These needed a more bespoke solution to which Paul again dealt with.

 

Bring on the approvers

Once the transcription was complete to a high enough level (once we reached around 90% transcription) then the work had to be approved. The rigorous standards of the archive team needed to be met. Every transcription needed to be approved. Any transcription errors and flagged issues also need to be fixed. The archives team was just eight people so by no means a small task. The first card was approved at the end of March and the final one was approved by Rachael on the 11th of June.

The archives team soon found that approvals wouldn’t be as simple as first thought. Whilst the transcriptions were great, there were lots of small simple amendments to make, such as consistency, the spelling of overseas places visited by the men, or battles they fought in. Google was certainly a friend during this process. Members of the archives team lined up ready for duty, as Rachael gave batches to archivists in both the UK and the US to get through and, much like during the transcription phase, people were battering the door down for more cards to approve. It was clear the project was really capturing the imagination of the team, even at this potentially monotonous at times approvals phase.

Throughout the approvals process, more tweaks to the system needed to be made. There was a great deal of feedback which had come in from the transcribers, and Paul worked out a way of clearing this and approving the cards at the same time so the archivists could kill two birds with one stone. The team also needed to keep a beady eye out for any cards that posed a potential risk, from a legal point of view. An agreement had been made with the Legal team that the cards posed very little risk to HSBC, but more that we should be checking for any upset the information could cause for living relatives. So the archivists watched out for details of hereditary diseases or indiscretions…of which there were a small handful but nothing so serious that our legal team would not clear them for release.

And with that the approvals were complete. We had a fully transcribed data set ready to be gifted to the Imperial War Museum.

 

Handing over the data to our allies

Once the data set had been approved on the 11th of June Paul then had a lot of work to prepare the data (he had to make many hundreds of edits and fixes), adding the cards with multiple backs (this was a real pain), manually reconciling records, merging cards and dealing with anomalies. Painstaking preparatory work. By the 2nd of July it was complete and ready to be handed over for loading.

The data set was loaded on to the Imperial War Museum platform over the weekend prior to the 100th anniversary of the start of Britain’s involvement in the First World War, the 4th of August. Unfortunately there were a few issues. Only the front images were loaded initially and there were some issues around free access to the data set. Thankfully these issue has now been resolved.

These problems meant our launch was a bit of a damp squib on day one i.e. it did not go quite as planned, but the main thing is that the data is now available for all to read and use.

You can find the Midland Bank War Cards at the following address.

https://search.livesofthefirstworldwar.org/search/world-records/midland-bank-roll-of-honour-1914-1920

 

 

Screenshots from the Lives of the First World War platform

war cards screen 1

The full data set to browse and search against.

war cards screen 2

The transcribed record of Frank Sykes

war cards screen 3

The front image from Frank Sykes’ War Card.

Please do register for the service, peruse the data set and read some of the stories for yourselves. Weave the profiles into the stories that are evolving on that platform. Help connect the dots so this data forms an important part of Britain’s history. If you need further motivation to participate, and you should not, then the next section will hopefully help with that.

 

The feeling of transcription

The above details how this project and system came into being but the real interest lies in what was contained on those cards. There will be more written about those within over the coming months but I wanted to add a few words on the effect of those cards on myself and others.

From my own point of view the first feeling you have when reading these cards, and I read a hell of a lot of them during the scanning in Coventry, is humility. You cannot imagine what these young bank clerks and managers would have been feeling after being plucked from their day jobs and sent for training and then to the war. Transcribing these cards on a Monday morning gave you a wonderful perspective for the week ahead and how small your challenges really were in the grand scheme of things.

Of the cards I did transcribe the bleakness of the card for R. Kemp10 really stood out. A typed out card, the back of which told a very short and sad story.

“1918. Spring. Crossed to France March 22nd. Wounded in the back and taken prisoner by the Germans. 24.8.18. Heard of his death.”

It is this minimum of detail which makes these cards so valuable yet also deserving of so much more. I have been unable to find out any more details for R. Kemp.

Another observation was the amount of people that did return to work. Obviously these were young men so they would have needed to return to earn a living but I cannot imagine what it must be like returning to a world of ledgers and papers after the horrors of trench based warfare. Of the 4,000 men that went to fight over 700 of them never did return.

One of the more joyous parts of this project was how other people reacted to it. We had a feeling we were doing a good thing and it was nice to have that confirmed. As part of the volunteering registration Paul made the great decision to add a field to allow people to say why they were getting involved. We did initially think this field would be largely ignored but we were proved very wrong. We got a multitude of great reasons and stories for people getting involved and you could feel a real personal engagement with the project.

“My Grandfather and Great-Uncle fought in the First World War and although my Grandfather eventually died of his war wounds both of them made it back to their families. This is in their memory and for their regiment and all who fought from Yorkshire.”

“I had two relations who fought and lost their lives in the war and recently visited their graves in France. It was through someone making this information available on the internet that I was able to find their final resting places.”

“My great grandparents met during WW1. He was a soldier and she was a nurse who treated him and they were subsequently married for over 70 years. Always been fascinated with the period ever since they told me the story when I was a little girl.”

 

From an archivist’s point of view

Rachael had this to say about one of her most memorable stories from the War Cards;
‘One card which struck me as I worked on the project tells the story of Frank Sykes, who was in the Field Ambulance section. The remarks on his card show that he’d written back to his colleagues at the Midland Bank branch:

On the 28/7/15 he wrote:

“at last we are off, or shall be at 11 o’clock tonight. My address henceforth will be Mediterranean Expeditionary Force”.

In his last letter dated 6 Oct 1915 he said that he had been in hospital: “nothing serious, generally run down”. I believe the cause was hard ambulance work, under very trying & bad conditions. From the descriptions in his letters it must have been a terrible time for him & others. But he was always cheerful.
“Mr Sykes died on the 24th Nov 1915, whilst on active service in Gallipoli”.

That was the official notice. By his death, the Bank lost the services of a splendid & faithful servant’

frank sykes back

The reverse of Frank Sykes’ War Card

We have been able to find more details of Mr Sykes and we have added them to his life story which you can see here 

Most of the people involved in transcription of the cards can remember a certain card or elements of a story, the limited details they do contain are still enough to ingrain the person or the story strongly within in your mind.

Wider coverage of the stories

One story which has received wider coverage is that of Midland Bank employee Montague Parish11 and his brother Stanley. The story is told by the son of Montague, John, who was also a Midland Bank employee. He is 88 years old at the time of writing and he was interviewed about this incredible story.

“Monty was moving forward in a bayonet charge when he was hit by a sniper’s bullet – and later described it as being like ‘walking into a wall’. The soldier laid down in no man’s land – before, unbeknown to him, his brother Stanley was asked to take the last stretcher and bring back a ‘wounded officer’. This turned out to be Monty.”

 

https://www.youtube.com/watch?v=cnLpvUJfOCo

 

You can see the full interview with John on Youtube. The story also received wider coverage in the Daily Mail.

These are only a handful of examples of the stories contained within. There are stories that end happily as well as those that do not, there are those that are beset with the kind of luck you would not wish upon your worst enemies and there are those that you will believe have more lives than a very lucky cat. Contained within are a good deal of people who were decorated for their efforts. A few Military Crosses and even a Croix de Guerre. Please take a look for yourself and see what you can discover.

 

What next for the War Cards?

We have this incredible and unique data set. We are hoping the Lives of the First World War will unearth some fantastic stories and add extra details to the lives of the men from Midland who went to fight. Please do contribute to the project if you can.

We will be forming a community on the Imperial War Museum’s site to help build up the stories of the Midland Bank staff contained within the War Cards.

We are also not done with the First World War. As part of our investigations we also looked into the memorial to the war dead at the HSBC HQ in London. We are looking to cross reference the data sets against those remembered in stone. One man mentioned on the HSBC memorial is remembered at a local memorial in Totley, Sheffield less than a mile from where I live today.

We also have plans for the data set for our own usage. We are keen to hack away at the data and see what stories, patterns and details we can pull out. For example we are keen to visualise the geographic spread of the call up, to show the impact on the then workforce (at the time of the war Midland employed around 13,000 staff, these cards represent 4,000 staff members going to fight).

If you have any ideas for things you would like to use the data set for then please get in touch. We have some data hackathons coming up later in the year and we are always looking for capable volunteers. We are also thinking about hosting the data set publicly elsewhere in its raw form.

We hope that the techniques we have used for the above project will stand us in good stead for future projects, with the 150th anniversary of HSBC approaching there is certainly scope for other similar challenges from the archives. Our archives do hold some wonderful historic treasures and I would love it if more people got to experience them. Currently, they are mainly stored in physical form in specially designed buildings across the globe. For example I know that in the UK Archives they have six full height filing cabinets’ worth of photographs. I would love to liberate those.

If anyone reading this has the budget and desire to fund a project to free some of those records and make them available to a wider audience, especially to purchase some professional scanning equipment, then please do get in touch. The open source hardware book scanner would be a lovely thing for us to own.

 

Conclusion

From Rachael’s first mention and my first viewing of the War Cards it was obvious we had to do something with them and not leave their stories held within four cardboard boxes stored in a warehouse in London. Thankfully others felt the same. We think we have achieved that.

I have thanked most of those involved in the words above, I must also thank Jen Goodison for reviewing this story of events and also to Emma Fahy in the Media Relations team for her help in getting this project wider coverage. I hope I have not missed anyone out. It truly has been a fantastic project to be involved with. The help we received along the way was exceptional and was part of what made it so special.

The majority of the credit must go to two people. Firstly, Rachael Porter for her dedication to this unique dataset and the desire to do something meaningful with it. In Rachael’s own words

‘This project has been an absolute highlight of my time at HSBC. Having the opportunity not only to make such fascinating records available to more people than ever before, but also to work with some brilliant people, has been a delight!’

Secondly, Paul Dougan who made the system a reality, transcribed a large percentage of the cards and ensured the data got to the IWM in a state that allowed it to be shared with the world. His efforts cannot be underestimated especially remembering that this was effectively a ‘side of desk’ project.

“It’s the only thing I have done at the bank that is likely to be around in 100 years”

 

Finally Rachael received an email on the day we finished this article from Edwin Green, the original finder of the War Cards after he heard about the project.

“This is simply wonderful work. I suppose that the boxes of cards were a lucky find all those years ago but what counts now is the huge extra value and context which you have added to the records.”

 

All in all it has been an inspirational project to be involved with. I hope our work has done justice to the men who went to fight in the war and that through this project previously unknown details of their lives will help their memory to live on.

 

You can find the Midland Bank War Cards at the following address

https://search.livesofthefirstworldwar.org/search/world-records/midland-bank-roll-of-honour-1914-1920

Please go and build stories of their lives so that others will know.

 

Aden, Rachael & Paul

 

 

Links:

1. Original What to do with the War Cards post
http://www.adendavies.com/what-to-do-with-the-war-cards

2. Transcribe Bentham Project
http://blogs.ucl.ac.uk/transcribe-bentham/

3. Old Weather Project
http://www.oldweather.org/

4. Lives of the First World War
https://livesofthefirstworldwar.org/dashboard

5. Zooniverse –  The Zooniverse platform is being used by Operation War Diary which is an ambitious project to transcribe all the operational war diaries written in the field during the conflict. https://www.zooniverse.org/ &  http://www.operationwardiary.org/

6. DIY Book Scanner
http://www.diybookscanner.org/

7. From The Page
https://github.com/benwbrum/fromthepage/wiki/Preparing-a-Work-for-Transcription

8. Omeka
http://omeka.org/

9. Drupal
https://www.drupal.org/

10. R. Kemp’s War Card Transcription & Images
https://search.livesofthefirstworldwar.org/record?id=gbm%2fmidland%2f1885&highlights=%22%22

11. Osbert Montague Parish’s War Card and Life Story
https://livesofthefirstworldwar.org/lifestory/3383870

FintechBot: What, why, how and what next.

In order to get around my own laziness I built a bot to do my work, well a tiny bit of my work. FintechBot is a very simple Twitter bot that collects fintech news stories and tweets them for the world to see. It has saved me time and it seems to be fairly popular with other lazy fintech newshounds (Around 1400 followers at the time of writing). Fintechbot Profile2 A few people have asked how it was built so this post is just that so you can go and build your own little news bots. I have also written about how I would like it to improve it in the vain hope someone can help me do that to get around my laziness yet again.

 

How it was built?

It really is a very simple thing. It was inspired by my colleague Richard who built an NFC Banking bot and a wildly successful Future Lighting bot (lots of lamp nerds out there). He chose to power them using Google Alerts and a mixture of trusted sources. I collated a set of trusted tech and financial news sites (a list of which can be found here). I then took the RSS feeds from those sites or elements of them e.g. just a blogging section of a news site, and added those as fuel to an auto tweeting service. At the time of creation (just under 3 years ago) there were two notable services for autofeeding a Twitter account, Twitterfeed and Dlvr.it.

A new service has recently appeared called Twibble.io that looks very promising which I have recently started using following a price hike for Dlvr.it. At some point I may migrate fully (see laziness comment above) The latter has some useful interface benefits and more powerful (and working) filtering capabilities than Twitterfeed. Dlivr.it still has some winning features such as route level filters…more on that later.

 

How do I set up my own?

Essentially you do the following. I will step through the addition of one feed to a Twitter account using Twibble.io Go to Twibble.io.

Login with the Twitter account you want to output your feed to

Click the New Feed button Twibble 1Give a name to the feed you are using

Add in the RSS/feed URL

Give it an output schedule eg only post one item per hour and the frequency to check the RSS feed for new posts. For single blogs no need to check that often but for news sites the more frequent the better You can choose to offset the posting from when it finds items. You can also choose whether to post old items or only new items on the feed. I choose the latter   Twibble 2You can then choose to filter the stories that get posted. For tech news sites I have a long list of filter terms such as banking specific terms like payments, wallets ATMs etc and also the names of companies I am interested in tracking e.g. PayPal, Visa, Square etc.

You can also choose not to post based on mentioned words so if the word Banks appears near to the word Tyra don’t post. Some sources I post unfiltered as their output fits in perfectly with the news I want such as Daniel Gusev’s fine fintech blog used in this example.

Other news sites which post news more broadly than fintech then I filter a lot. You can then choose to include images with the tweet. Choose your link shortening service of choice, I use Bit.ly. And then you can also add the twitter account of the news source which I think is very important to give credit to where the news comes from. In this case this is Daniel’s personal Twitter account

Click the Create button and you are done. Wait for the next exciting news item

And that is it you have created your first automated Twitter feed.

I do also manually share items via second Twitter account services in both Tweetbot and Tweetdeck but I am sure you can work those bits out your self. If you want to use Google Alerts for your news then go there and create an RSS feed and just add in the RSS URL to the steps above.

Who Follows it?

One of the side effects of creating this bot is that it gets followed by some very interesting people in the Fintech world. A good mix of experts, commentators, journalists and developers. This has helped me expand my research network immeasurably as well as source interesting new feeds and angles. Another side effect has been that Twitter’s follower recommendation algorithms are really pretty good when aimed at a very single purpose Twitter account so the suggestions made are usually useful which is another unforseen bonus.

What I would like improved?

1. Filtering options of delivery services. I would like to see some global list capability I.e. A list of filter words that gets applied to many feeds. Dlvr.it does this quite well as it allows you to group a selection of feeds into a route and then apply a global filtering list to the group of feeds. Dlvr.it’s new restrictive pricing models mean I can no longer make use of this. Come on Twibble.io make it happen.

What I would really like is the ability to save multiple filter lists and assign each a name. Then apply the named groups/s to a set of feeds.That way I can edit a global list of filter terms once and it would apply to all feed assigned that group. Sounds easy to me (who can’t program to save his life). Today if I want to add, remove or amend a term it means I have to edit that list for every single feed, this is onerous and manual and a lazy person hates that.

2. More sources! I need more decent news sites. More fintech bloggers of note. More hot startups and trends to track. All suggestions welcome. I am currently tracking around 60 sources but I welcome many more especially from outside the US and Europe which seem to dominate at the moment.

3. Geography/business. I would love to be able to somehow split by region or by business e.g. investment banking, So maybe a fintechbot Asia. Hard to do without manual effort. If anyone has any ideas other than local sources and search terms I would love to hear them. I am giving thought to making some separate FintechBot accounts that concentrate on one element eg payments or Bitcoin/altcoins. Not decided yet.

4. I have created a summary of FintechBot output into a daily email (subscribe here) and I am also automatically feeding them to my blog via Postie and Mailchimp. I would like some way of picking the ‘best’ news from the day. Not sure how best is quantified but most clicked/shared/repeated by other sources could be good. Any suggestions greatly appreciated.

5. Cross the firewall. We have experimented getting this news inside the org I work for. I would like to do much more but once inside the firewall tools become a bit more limited…thankfully I have a very talented colleague who builds some fantastic tools to assist with this. The key is how to filter for business area and manage subscribers internally. A challenge for the year ahead.

6. A decent searchable archive. I do plug all tweets into delicious but I don’t do much with it at the moment. I use Tweetnest for my personal tweets but have yet to work out how to create a second Tweetnest account on the same web server.

7. A better twitter avatar. I would like to get a smart illustrator to draw a real fintechbot. The current image is actually a ring (similar ones available here). I am currently investigating this with another talented colleague of mine (Please reply Matt). If any illustrators read this (very doubtful) or people have any suggestions, or want to submit a drawing then do let me know. Maybe I should make it a competition? Or maybe I should just pay someone.

 

So there you have it. Hope someone found that lot useful. Any questions then leave a comment or ask me or my bot on Twitter.

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.

Design of Understanding 2014

My first conference of 2014 was the majestic Design Of Understanding, otherwise known as the Max Gadney show. A personal selection of what he thinks is interesting and he clearly has good taste.

Will Hudson of ‘It’s nice that‘ started the day with a talk about something born out of a university idea to gather and publish things that make people feel good about themselves. He spoke of how the name frames their approach to content and editorial (you can’t be snarky when your reason for being is showing something nice). He also spoke of the challenges of growth, now he has a staff in double figures he worries about his attitude to risk and does everything he can to not kill the youthful exuberance of ideas. He referenced the young entrepreneurs of today the Zuckerberg’s, Karp’s, etc. but also said age and freedom of thinking is not just a product of age…which is a a relief.

Inadvertent Yorkshire

Inadvertent Yorkshire

Tony Quinlan constructed a narrative about how companies keep trying to construct narratives….and failing. ‘The moment a company writes down their values they have failed’. The obsession with companies to craft a story, the management version of story, normally where the product or the service or culture was the hero. Most companies avoid stories of failure when most resonance and learning came from those very stories. The micro stories from the water cooler would carry more weight for the brand especially with staff but they are never considered for such corporate messaging. Terry gave a brilliant example of taking the light from stories and applying them in a different context. The sanitation issues of Bangladesh. Villages happy to have a field set aside for defecation needed to be taught about the latrine. The more experts said you should have them the less they wanted to hear it. The key was social status. The message that worked was ‘Marriages where the home had a latrine were more successful’ The use of social status and shaming had a bigger impact than instruction ever could.

 

David Sheldon-Hicks had the coolest job by far. He designed fake computer interfaces for films and games. His company, Territory Studio, produced the interfaces in the film Prometheus and his insight into how the creation of those interfaces made for a fascinating tale even though he was not the greatest of presenters. The balance of fake/post shoot effects vs real working computer scream on set, Prometheus was more of the latter and the ship had over 100 working screens  meaning a lot of cabling and a lot of computers. The amount of craft and skill that went into something that could be on screen for seconds, cropped in the shot or even blurred, was astounding. When asked how they used data to feed the fake UI’s he said

‘As long as you give NASA credit at the end of the film they are happy to give you pretty much whatever data you want’

 

Andy Kirk gave an excellent statement union of data visualisation. I have attended one of Andy’s data design courses and his knowledge of the subject is exceptional. He spoke of the big data viz events and trends of the year. The New York Times look at how the US speaks, Gun Deaths and lost years, the age of cites and the mesmerising Earth by Cameron Beccario which beautifully visualises wind patterns on out planet. Andy has published his slides so you can see all the work he referenced.

He also explained the state of the ecosystem and it was clear he had a very negative view of the infauxgraphics (mega long scroll nonsense), visual.ly marketplace (a space for the crap to gravitate toward). He was however more positive on the state of tooling and how the wealth of tools were starting to talk to each other more, holding Tableau and R up as a good example. More work to be done on the explanation of the space from a recruitment and understanding point of view but clearly a real growth area.

 

Jo Roach the cofounder of Makies, the 3D printed dolls talked of the struggles of being one of use first 3D printing manufacturers and the value of great PR and the luck of timing in the rise of 3D printing and media interest. From 3D printer David Cameron and Prince Harry to the tactic of sharing wildly what they had tried, built and envisioned helped them find a solution to the most random of problems eg the wear and tear on the doll joints being solved by silicone injection. The challenges facing a toy retailer of getting across the ethics and value of design for a £70 item vs a £10 Barbie was their big challenge for the future. I wish them luck and hope they succeed.

 

I felt that a strange sort of hushed reverence befell St brides for the talk of Durrell Bishop of Berg. Whether that was because people knew of his past or just realised they were in the presence of a great mind it was an interesting phenomenon and one that was cruelly hampered by AV issues. He spoke of the need to face the design challenges of today, rather than the creation of beautiful static things of yesteryear, the vase, the chair, today the need was for the explanation of the technical and the graphical. His way of looking at the humble VCR thought the use of simple kitchen implements (the sieve a screen, a tap for the tuner, a bottle as the recording mechanism etc.) helped see the workings in anew light. A new language for the interaction and behaviour of the machine. We cannot understand that which we cannot see. He called for a need for new designers. We are faced with the new mega systems in the world primarily designed by software engineers. Graphic designers have not been able to step up…who will?

 

One of my favourite talks of the day was from Matt Sheret of the Government Digital Service talking about a subject I have no real interest in, comics. It is just a medium that has kind of passed me by but Matt’s interest, enthusiasm and knowledge for the subject just pulled you in. He explained how to read comics…a seemingly needless exercise but his explanation the gaps between the panels acting a context, making the reader work to fill in the story for the next scene. He spoke of the challenges of new methods of consumption effecting how comics were read, touch screens lending themselves to the flicking between panels and giving the capability of zooming into the scenes. The challenges of the form across new mediums, that morphed and jumped across new channels such a twitter, tumblr, YouTube and ending up at lost and broken urls on MySpace or trapped behind the broken iOS updates of apps. He gave a brilliant quote about the failing of the old world to adapt to the new

Middle aged future

Middle aged future

‘DC comics is a good example of how moribund an industry can become when you just have 40 year old white guys writing stories for 40 year old white guys.’

This resonates with me on may levels but as a soon to be 38 year old am I trapped in the same old narratives..it also seems I am worried about my age. I digress. It was a great talk. Matt has posted some notes/videos and links to further reading from his talk.

 

The last ‘talk’ of the day was actually Max interviewing Russell Davies while using a set of slides Max had created as some thinly veiled reference to his questions. Very thinly. It was of course brilliant. What follows is a lot of notes/quotes and rambling explanation from me.

Russell has lots of experience working with big organisations (Nike, Microsoft, W&K and now the Government) and he seems to effortlessly produce solid gold nuggets of insight every other sentence. I like to think these are a mix of the cuff thoughts beautifully worded mixed with some well honed bon mots crafted over many a plate of eggs, bacon, chips and beans. So here are the best quotes I managed to (hopefully correctly) capture;

On Nike Run London. A campaign for W&K to get non runners to do a 10k run. ‘no inspirational Nike shit, this will be hard, the first month will be hell but it will be worth it’. It was about helping people start, not becoming the very best athlete.

‘We advertised all over the underground to catch people at their bleakest moment’

He gave some great insights on why Nike were better than the other sporting goods manufacturers. They hired people who could get things done by any means. This meant they could deliver just an extra 10% more than the competitors.

‘The only hard problem in big organisations is getting something done’.

When Russell questioned why they did not try and fix the internal problems he received this amazing piece of wisdom about large organisations

‘No matter what you fix in big companies the crap always arrives’.

Nike also had some good habits that helped them immensely. Regional managers would be set the normal sales target but also if you could not show that you had done something new each quarter then you would be done for. Another example of doing differently was the brief for the World Cup. A series of pictures of Ronaldinho that just said things like ‘Fast’. No laborious guidelines and rules, pictures and a word. ‘Post literate’ A kernel of an idea and latitude.

BoJo, MaGa & RuDa

BoJo, MaGa & RuDa

On brands ‘The only people who believe in the power of brands are those that sell belief in brands and those that are really against brands.’

‘Brand is a poisonous word. Brand is just a side effect of an interesting project’

On the advertising industry and his time at Wieden’s.

‘A lot of my success has been making the type being big enough and not mumbling. Clarity is key.’

He spoke of how Wieden’s had a way of framing the work that made them stand out

‘Try and make it better than anything you could look at, at the time’.

On pitching he was a big believer in just saying what you really mean. An example he gave was an architectural firm that presented to some board and just stood up and said ‘look at this building it is beautiful’. A person with charisma and a clear message not laden in concept will more often than not win out.

‘Advertising is a brilliant industry to leave. It is like a foundation course for the creative industries’

Russell has also been lucky enough to present to Jobs and Gates….

‘Billionaires are the best people to present to as they have no concept of constraints. To successfully present to company CEOs you have to realise their weakness, the gaps in their power’

Calling back to Will’s talk at the start of the day it was clear he was not a great fan of the Silicon Valley obsessed tech world and the fascination with young white startup stars.

‘Being young is not a sustainable business model…The privilege of being able to work 18 hour days with no commitments’

If you keep giving privileged young white men lots of money then some of them will make impressive things but clearly that is a limited strategy in many ways.

Although on he subject of age he wished he had started his Really Interesting Group collective when he was a younger man to benefit from that youthful lack of commitments especially the need to earn so much cash (I must admit I would like to see them reform as some sort of super group in their 60s and see what they would produce). Get a very smart bunch of people with differing but complementary skills and interests and get out of their way

‘The Magnificent Seven as a business model. Give them a mission and set them on their way’.

Either Russell did not talk too much about GDS or I was too busy listening and took lousy notes. What he did stress was the work that had gone into the writing. ‘We have writers, not interested in prose but in communication’ he mentioned that the Government used to write clearly but somewhere lost there way and brand experts got involved and messages got lost in concepts. What the world need was a return to the likes of Tom Eckersley

‘The government used to say things like tidy away your hammers’

Tidy Away Your Hammers

And on that note I shall end these very long notes. I could maybe do with a few years at Wieden’s & Kennedy to learn about brevity and clarity. Thanks again to Max for putting on a good show. A great day of increasing my understanding of a great many things.

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.

#BarclaysGlitch – Branded bank outages?

Yesterday it seems Barclays suffered a serious technical problem resulting in the loss of several critical services inluding ATM’s and Online Banking. What caught my eye about this was that well known Money Saving Expert Martin Lewis tweeted about the outage and used a specific hashtag, #BarclaysGlitch.

 

 

Martin has a healthy following of around 260 thousand followers and is very influential in the financial services world in the UK. A lot of people started to use the hashtag to talk about the outage. Barclays themselves then also used the hashtag which is what was really interesting (for me anyway).

 

 

I think this was smart work by Barclays. I wonder if we will see journalists/influencers (ugh) looking to brand bank outages in the future? A race to have the hashtag most used in an outage? Will banks themselves try and add unique hashtags to outages? Does anyone normal use the word outage?

Six little fields; Why don’t banks set them free?

I wonder what would happen if every financial service organisation in the world was required to make just six little fields of data available to customers in an automated and open standard automated feed that they could use how and where they see fit. The Six Little Fields, The key day to day transactional data of all the products mentioned above and so many more, are;

  • Time
  • Date
  • Transaction Type (Visa, ATM withdrawal, Direct Debit etc)
  • Transaction Description
  • Transaction Value
  • Balance of the account

There are many more fields underlying this data but these are the key display fields. To allow banking to become a greater part of the web and for this data to become the basis of a thriving ecosystem we need solutions to the following three (at least) problems;

  • An open standard format for transaction data
  • A method of securely linking other financial institutions or 3rd party services to financial institutions so data can be transferred between them automatically
  • A subscribe model for the data that allows new items to be pushed out. Similar to RSS.

I have a handful of ideas and theories on why and how to make this happen and I wanted to share my thinking in the hope that someone out there will agree and have some better ideas along with the will to try to make it happen.

 

Why do I believe the six little fields are so important?

I assume that most people who own financial services products, be they current accounts, credit cards, loans, savings, insurance etc. do not have them all from the same organisation. Even though I work for a bank, and I should probably whisper this, I do not have all my products with that organisation. This is of course the benefit of a free market, competition and choice, which is a fantastic thing. The big issue from my point of view is what is known in the banking industry as single customer view i.e. the ability to see your full financial picture in one nice shiny interface. This is not a new problem in the industry it is also something I have written about before, but it is one that seems far from being solved or even on any of the banks to do list.

This is one of the ideas I am burdened with and I find myself coming back to it time and again.  I think what I want to see is more web thinking applied to banking. There is a lovely quote from Ben Milne of Dwolla that sums this up nicely.

“Payment networks should have a memory. You absolutely should be able to login to Visa.com and see every transaction you have ever engaged in with a Visa card. The fact that you can’t do this is ridiculous.”

I love this quote. Those with knowledge of banking will scoff and say this is ridiculous as Visa cards are issued by a multitude of organisations and the identity of the user is not tied back. Fine, but what if…

Not only should you be able to go to financial institutions you have history with but you should also be able to build your own data stores. These six little fields would be the basis of an entire ecosystem featuring so many things that the banks would never build. This tweet from Dave Birch is a great example of those sort of things but if Dave had a feed of his six little fields he could build it himself, solving his own issue, meeting his own need.

Dave wants to follow his bank account

 This data and mechanisms for access could be used just as much, if not more, by the banks themselves. Today most banks have struggled with building on top of or integrating with the digital banking fortresses they have built. It is why the first generation of mobile banking apps plugged into the ATM network rather than Internet Banking because the routes for data out were easier to implement.

 

How do you get data out of banks today?

The six little fields listed above are the ones shown in your Internet banking interfaces. Underlying those fields there will of course be extra data required such as currency, where money transferred in came from maybe even some location data of an ATM but from a customer’s point of view the six listed above are the ones they most need to see.

Today there are 3 main ways of getting data out of banks.

  1. Manual download of data. This seems to be the prevalent method of getting data out of the banks, certainly in the UK. Download a CSV/OFX/QIF formatted file.
  2. Bespoke feeds. In the US there seems to be a high number of XML feeds in existence to get data out from banks, but they are usually bespoke formats and as such need bespoke decoding. This situation has given rise to 3rd party players such as Yodlee who have put in the hard work to decode all these formats and feeds and then provide a platform to pull them all into. This is laudable but effectively places a commercial company in a very powerful position with regards to data feeds that should be free. Barclays have an automated feed available to their commercial customers in the UK to use with online accountancy service Freeagent.
  3. Scraping the data i.e. giving over your username and password to a 3rd party service and letting their system logon for you and pull the data. Probably against your banks T&Cs and akin to giving your postman your house keys so he can deliver a parcel. Madness. This is known as the password anti-pattern.

The above situation is so fragmented and detrimental to the development of innovative financial services and cannot continue if banking is ever going to get closer to or truly become part of the web.

 

1.       Open Standards are required

The six little fields must be available in an open standard machine readable format, a format that every financial services organisation, and other interested consumers, could implement.

Open standards would challenge the virtual monopoly Yodlee hold and in my opinion would be better for all. Imagine if shipping containers could only fit onto one organisations fleet of ships, that is effectively the situation we are faced with today.

From an open standard point of view there is actually one in existence today. OFX, Open Financial eXchange. It is a golden oldie, first defined way back in the 90s and was primarily designed for the use of desktop money management packages such as Microsoft Money and Intuit’s Quicken. The standard seems to have gotten a bit stale, I know you should not judge a book by its cover but the OFX website is from a long gone era of web design (and they have not updated their copyright statement since 2007). I emailed the OFX group to see if they were actually still alive and it seems they are;

Yes, OFX is still very much alive.  It dominates the U.S. market; over 5,000 financial institutions in the U.S. use OFX. The last specification was in 2006.  There has not been a need for further revisions although there will probably be revision activity in the future as the need arises.

The problem for me with OFX is that it feels like it is trying to be all things to all men (and women). The scope of the specification covers all manner of banking functions and services, including automated delivery of data but it uses old methods and seems heavily XML based. What I believe is needed is something far simpler and based on more modern data delivery formats and protocols such as OAuth and JSON.

 

2.       A manual download option is no good

Forcing the user to manually download their data and then upload into another system is a dark ages solution to today’s realtime always on mobile obsessed world. What I would love to see in banking is the introduction of OAuth or one of its variants. This open protocol is designed to allow the sharing of data and identity between web based services. If you have ever connected a 3rd party application to Twitter or Facebook then you have used OAuth. It solves the password anti pattern described above and also removes the need to manually download data.

 

Twitter OAUTH apps

 

This is what connected apps look like on Twitter. Imagine if there was a list of banks here instead? Why can’t I connect my data in this exact same way? If I could then Dave Birch could follow his account on Twitter with a few clicks or taps.

 

3.       Push updates out automatically

Once the connection problem is solved then whenever a new data item i.e. transaction appears that information can be pushed out to wherever the customer has it connected. They are seeing near realtime data in the interfaces of their choosing (obviously how and when the bank posts the transaction data dictates how realtime it is, we know banks love a bit of overnight batch processing).

This source of data becomes a fantastic ingredient for building new things, these events i.e. new transactions, can then have all manner of rules applied to them. It could power IFTTT for banks. Imagine being able to set off other processes automatically as soon as key payments arrive in your account?

 

Conclusion

If the banking network is truly to become part of the web then the data needs to flow between them as easily and safely as possible. Today that is not really the case in most countries. The digital fortresses banks have built to keep the baddies out are now also keeping their own developers out and are hampering their efforts to build for the brave new digital world. It is in the banks interest to set this data free rather than hoard it for themselves because one day they might understand Big Data. Grasp Open Data first and learn from what people build with that data. I believe Six Little Fields can change the financial services market and how it interacts with and is perceived by the web.

This is part one of my thoughts around six little fields. In the second part I will look at the security concerns of both banks and users, how this might become a reality and whether or not the Germans have actually figured this out already. If you have any questions or comments please do leave them below or pester me on Twitter. I just want to get a conversation started around this topic really, is it a completely ridiculous idea or does it have legs?