Happy customers

Lori Newton twittered or tweeted about having iPhone craving as being irrational. I can understand the craving but it is not irrational.

When the iPhone appeared last July in Canada it was a foregone conclusion that I was going to get one. It was getting painful carrying the iPod Touch and the Motorola cell phone at all times and having to use the two devices to do some simple things. The question that loomed is how would this device help the credit union I worked for? We are a Mac credit union and it was pretty clear that it would fit in well with what we were already doing.  So all of the staff, that means everyone, got an iPhone. I didn’t realize then that it would be an exceptional fit. It was one of the better decisions we have made. As part of the compensation for working for the credit union the only charge would be to pay for those services that you use outside of work i.e. data roaming when in Europe, ouch.

What have we learnt? Well first of all anyone that has left the credit union wants to keep the iPhone and have the service transferred to themselves personally. When I have asked the person what they wanted to do there was no hesitation in stating they were keeping the iPhone. People really like this device and have found so many pragmatic uses for it. It is addicting. Secondly this device has given us an unbelievable opportunity for communication amongst ourselves 24/7. We have the ability to easily, and that point must be stressed, easily, call or email or SMS each other. No one finds a simple SMS an intrusion to get an update on some pending manner. A telephone call can be viewed very differently. Sometimes a call is just a plain pain in the neck. The synching of your contact information with your desktop adds another easy solution of finding the number to call and knowing who has called you. Having something this small and connected to the Internet either by wifi or 3G is another huge plus. By the way our plans included data transfer maximums. No one has come close to their data limits. Why? A lot of the time you can connect via wifi, much more than you think. But watch out when traveling, it gets unbelievably expensive to use American or European networks. There seems to be more apps than one can imagine so if there is something specific you probably will be able to find it in the App Store. 

One hears about Apple fanboys and the zealous cult following this company has. I wouldn’t put my view of Apple in those terms. It would be summed up in something simple like ‘a happy customer’. In today’s marketplace with so much lipservice for product and service it feels pretty good to just be happy about something you use all the time. Try the poll.

 

Chapters sucks

I don’t usually get upset with bad service but today it was worse than bad.

I was at Chapters in Metrotown Burnaby BC to buy a book on baking. I had taken 4 books from the shelves and was looking for a place to sit to review the books. Every seat was taken. Every person in a seat had a single book that was being read. It didn’t look like they were going to give up their seat anytime soon. There was a lot of space on the side by the shelves so I sat down on the floor and began to look at the books. If I am buying a book on a subject I want to review it to get the right one. Within a minute an employee came up to me and said I couldn’t sit there, company policy, and I had to go to the far end of the shop to sit. I was about to tell him there was no space but he walked away. I picked up the books and wandered through the shop, once again no place to sit. I came back to the bookshelf area and put the books back. No luck in finding the person who originally told me I approached another person stating my problem. All that I was cited was it was company policy and sorry. I left the store not buying anything.

Chapters really didn’t want my business. No one that spoke to me wanted to help or discuss the problem. It was like a take it or leave it attitude. Sorry but with that type of service you couldn’t give me the book for free. You really need a few lessons on customer service. No way I am going back there. 

When economic times get tough business is going to have to get better in so many ways to survive. It will probably be difficult to a large business like Chapters to key into this given their size. It will take a lot of work to change such a haphazard attitude towards service. Gook luck Chapters. Time to get better acquainted with someone else.

Retweeting

There is an excellent post on TechCrunch about a site for retweeting. I hadn’t really thought about this because using Twitter in a browser doesn’t have this function. TweetDeck does (and if you aren’t using this program as your desktop browser you are loosing some extremely valuable tools and processes) and the wonderful iPhone app Tweetie. The program Retweetist purports that retweeting indicates authority or popularity and the program lists those tweets that have had numerous retweets (enough with the tweets…)

What seems to be happening here is that Twitter, since it seemingly is or is close to mainstream now, is beginning the “authority” or “popularity” or whatever you want to call it game, like past discussions on blogging and Technorati.  Benedict Spinoza said something about vain people “It may easily come to pass that a vain man may become proud and imagine himself pleasing to all when he is in reality a universal nuisance.” That sums up the popularity discussion  for me.

 Those that I have followed who have used Twitter for over a year (and that is a generalization) don’t appear to be playing this game. Those that one follows or are following are part of a network. That network is built up over time and it becomes a valued network. To me it is a very simple criteria to follow someone – I have either met them personally or would like to meet them someday. The popularity that others may speak of is not important because what people state on twitter is for my ears. The authority that is being discussed is moot. Numerous times this network of fellow Twitterers have shared valuable thoughts and insights that have always made my day much more colourful. The stimulus of a single sentence is extremely positive. It is one’s own Bartlett’s – Familiar Quotations. There is humour, sadness, wisdom, political irony, joy and many more emotions attached to these 140 character blurts. I have rarely quit following anyone. That action takes place when people begin to twitter numerous times in a row, numerous days in a row. That isn’t twittering, that is Soapboxing. 

Twittering is growing because people are finding new ways to challenge it’s limitations. Allowing saved searches in Tweetie gives you a very valuable tool to keep track of memes you want to follow. Being able to save linked URLs in Instapaper is just plain neat as you can quickly garner the days reading. Tweetdeck’s additional columns for 12 seconds and TwitScoop help tie in tweets to the Internet in a quick and easy fashion. This functionality will only grow. I just wish I could establish different groups to tweet to, like Jaiku (whoops). If everyone you followed, and you followed them for the right reasons, tweeted their most interesting URL once in awhile, that would be better than any search I could create in Google.

 

 

Saturday and its raining

Woke up this morning with a very bad cold. Thought I could get to work but didn’t even make it to the bathroom. With ample medication I am now mobile to some point.

Jen Lowther has written an interesting post on 10 things that will not make me follow you on Twitter. They are all pretty good but I had to disagree with #8. I think protecting your Tweets allows you a greater degree of choice in who follows you. I have had numerous requests for someone to be a follower but when I quickly glance at the home Twitter site or their blog most get turned down. Why? There doesn’t seem to be anything in common between us. Why would someone in Serbia who is 20 years old and looking for a husband follow me or a used car salesman in North Carolina? Both had thousands of followers so what is their real purpose in amassing this many followers? It just seems to be somewhat prudent to have this function setup rather than spending time gleaning your followers list every few months.

First day back

I was off for a few weeks with the family at Christmas. Got to work early to get things and order and that was the first mistake. You never really learn do you. Those 2 weeks or so mean that when you arrive you actually have 2 weeks or so of stuff that needs to get caught up. It doesn’t matter when you come in there is enough there for more than those 2 extra hours. The really neat part of coming back is all the people that need to see you right now and after you talk to them a bit you wonder why they have come to this conclusion. There are so many adept people here you really didn’t need to talk to me. Is it a gender thing or what?

The snow is melting which is a real blessing to my back, arms and legs. The neighbour next door had to start using our snow shovel as he broke his. That is what happens when you have to shovel every single falling snow flake. Great guy but his sidewalks and driveway were just too clean. On the other side this neighbour did the easiest thing, minimal snow removal as they headed south for the holidays. He maybe shoveled 3 times. Toro used to sell small electric snowblowers years ago. If there is a Father’s day present in sight it will be something like that.

Next up seeing if there is something coming out of Macworld that will make life simpler. Doesn’t seem like anything important except the myriad of upgrades. It would be much better to sometimes just fix certain things so they work instead of giving us upgrades. But then I could be using a PC.

Saturday before Christmas

Colder than it has ever been in Vancouver since I can recall. If it stays like this the lineup at the stores for skates will start with every body of water an ice rink.

Day 3 of Christmas holidays is going well. Not much to do and not much planned. There is the Blackhawks – Canucks game to go to tonight. This will be my first hockey game this season and I am going with a die-hard hockey fan. It would be nice to get to Dix’s before the game.

Anyone finished all of their Christmas shopping yet? If you have one can only think you are the prepared type for this holiday season stuff. I didn’t want to say anal.

Ron Shevlin has hung up his blog as of yesterday. He will be missed. He had some great stuff there and it will be missed by a lot of people. I think anyone who blogs for more than a few years has that question in the back of their mind as to how much longer. The excitement seems to wear off and at times it becomes a chore. It does push you though to get something out. Procrastination is the enemy of blogging.

Here’s wishing everyone a Very Merry Christmas and the Happiest of New Year’s. That should cover anyone who I forget to send a card to, right?

Where does the time go?

One of my very favourite songs is ‘Who Knows Where the Time Goes?’ by Sandy Denny. It has a haunting melody and wonderful words. When you listen to it there is the sudden question again about where has the time gone. It seems that way when Advent begins and Christmas is soon to be upon us.

It has been busy this last month, no let me put it another way, it has been flipping nuts. Busy at work, busy at volunteer positions, busy on credit union system work, and whatever else can fit into 24 hours. It doesn’t seem to slow down. Someone asked my recently about email and how we ever got along without it. One could say the same about a fax machine or a photocopier. These technical beauties have only speeded up what we start to where we finnish. The work is the same, the time to complete is measured not in days but in moments. Our time to reflect on any given subject is not done without effort and our work ethic creeps in so quickly if we think we are reflecting excessively. More gets done but the engine, us, remains the same. Maybe that is why music is such a relief. It does breakdown that invisible inertia that causes us stress. It stops us, if only for a few moments, to reflect in another dimension. If nothing else it gives us the must deserved break without any guilt.

Tomorrow I fight off the historical boxes of ‘stuff’ in the storage room to find the Christmas tree. No crowds to fight, no saw to cut the trunk, no needles akimbo, just true plastic and lights, ornately assembled and stowed away in the ‘original’ carton somewhere in the basement. Ready to quickly give one a hernia because of its weight, it will be dragged upstairs to its holy place in the corner of the living room, close to a wall outlet. Within minutes of plugging the lights of the tree into the electrical grid, Christmas will dawn, sans pine smell. Once again the magic of the season will start. Usually we never put the tree up this early. We are still the old ‘keep the tree up until the 12th day of Christmas’ types so putting it up this early is creating some new family history. But when Fleming arrives from Saskatoon on Tuesday and Nils from Copenhagen on Wednesday it will be the key sight when they step in the front door. That part of Christmas, being with ones’ family, then begins. There is more, always much more, about Christmas. Before you know it though you will be asking yourself, where does the time go?

More Cowbell

Sometimes you step into something that becomes a bit surreal.

Last week I tiwttered about listening to an old song that had a cowbell, asking about any other songs that had cowbells. There were some responses with one stating had I ever seen the SNL “More Cowbell” piece. I hadn’t ( if I had I would never have tiwttered that question! ) and quickly found it. In fact there was a fair bit about cowbells. There is even an iPhone app called More Cowbell.

To get the ultimate experience with the tragic little device here is some ultimate cowbell usage. The Olympics are coming here in 2010. Now there will be excuse not to have a cowbell on the downhill races.

The moral of this story, never be afraid to ask a question on Twitter. It will lead you to a mountain of totally useless information.

Just getting there

Had a call today from my nephew up in Williams Lake. He is doing pretty good with his business and enjoying life. At 26 he appreciates his bachelor life. He said he would be coming down when our sons come home for Christmas. So the three of them who grew up together will have time to re-connect. They spent just about every summer together when they were kids. It is amazing when you realize how little they see each other now and how far apart they all live. Then the event of Christmas brings them all together. You begin to realize how important that time of year is for families.

On my way home today I stopped in a light shop and bought two lamps. One for the desk and the other a bedside table light. The proprietor mentioned that as you get older you need twice as much light as when you were younger. That must be the problem with us older people, we live constantly in the dark!

In a book I am reading (Telling the Truth about History by Joyce Appleby, Lynn Hunt & Margaret Jacob) there is this statement in the introduction:

Relativism, a modern corollary to skepticism, is the belief that truth is relative to the position of the person making a statement. It has generated a pervasive lack of confidence in the ability to find the truth or even to establish that there is such a thing as the truth. Relativism leads directly to a questioning of the ideal of objectivity, because it undermines the belief that people can get outside of themselves in order to get at the truth. If truth depends on the observer’s standpoint, how can there be any transcendent, universal or absolute truth, or at the least truths that hold for all groups for many generations?

In today’s world, particularly with the recent financial events of the world, it would seem to be extremely important to understand that maybe we cannot ‘fix’ the basic economic model. It will work in some form or another. Maybe we need to understand that unless we have some absolute or universal truth to understand, those who hold only relative truths defeat the ability of many of us to fully articulate our ideal of objectivity. If the time for change is now then all the reasons for change need to be the constant dialogue of all participants. I am tired of listening to the same old record and drinking the same old kool-aid.

Long time, no post

It seems that the last few weeks have been the busiest I have encountered for a long time. I just look at how many times I have not been home for supper and it sort of freaks me out. Hence the extreme delay of posting anything to this blog.

Tomorrow is a huge day as to what course the most powerful nation in the world will take. I don’t want to state my political persuasion here, not being a citizen it won’t amount to much anyway. What we do need to see is someone in the White House that will begin to deal with the problems that all of us here on Main Street are dealing with. Here is hoping that whoever the winner, the course of history will change and we can look back to seeing this as the beginning of solving the mess we are all in.

In the last month the world has seen some major upheavals in the financial markets. It scares me to say the least. It is interesting to see all those bulls suddenly become bears (barren?). At least no one is saying I told you so. They were all drinking the same kool-aid. There is ample use of the word ‘toxic’. Seems that is the wattered down version of ‘poison’. Poison in the Oxford English dictionary means “A principle, doctrine, influence, etc., which is harmful to character, morality, or the well-being of society; something which causes harm; something which is detested.” It is the last word definition that is beginning to come into play somewhat. But we haven’t arrived at actually detesting this circumstance. If we do then we can manage the change. We seem to only be band-aiding what the poison has done and not necessarily taking the antidote.

I believe that antidote involves sacrifice, hard work (sweat equity instead of just paper equity), gratitude for our station in life (we aren’t going to bed hungry) and re-capturing and living some ideals and beliefs that have meaning in our lives. Maybe we realize now that we can’t bowl alone. That we have become disconnected from family, friends, neighbours, social structures like churches, clubs, sports clubs, community organizations and the like. We are people that live in a larger society and that our values need to go beyond just the physical accumulation of goods. Maybe tomorrow will be the start of something for all of us.

Heading out, back east

I am sitting at the Vancouver airport waiting for William to show up at Gate 77 for our flight to Chicago-Indianapolis. Everyone is looking forward to the Symposium which will definitely prove to be a winner. If all conferences were like this it would be a real joy.

The financial crises continues and has me worried on a number of accounts. First banking problems do not get ‘fixed’ by a quick infusion of funds. For those who were around in the ’80s it took time to crawl out from that financial hole. Problems tend to be systemic and are not fixed that easily. When you deal with money and lending, trends tend to be the norm of the day, not instantaneous solutions by simple costly cash injections. Problems in this industry tend to be like tips of icebergs, it takes time to see the whole picture. Secondly the culture of our society in the last 25 years has been one of spending and borrowing. Saving has taken a very low priority. When I hear the ‘experts’ say that the economy will seize up with lack of credit facilities it makes one wonder how much equity there can be when everyone is leveraging what they can borrow for continue. Where is the equity equivalent here? You don’t need to borrow or borrow so much when you have some sort of saved cash reserve. That seems to be the problem, saving or building equity doesn’t happen overnight. It needs to be a way of doing business and a long term approach.

BarCampBankBC 2008 is over

It was a pretty incredible weekend with my brain aching a bit. William Azaroff and Tim McAlpine are to be congratulated for doing a ton of work to get this going. We had a lot of fun preparing and were a little nervous about the things that one does not need to worry about. It all went very well.

When I think about all the different BarCampBanks I have attended, what was the difference with this one? In some ways it was the same. The quality of the dialogue, the energy and passion made by people attending, the challenges served and accepted, what we talked about and what was shared. I was able to get some videos of people who had never attended an event like this. The first one is up on YouTube, Cheryl Doerksen from Currency. This is the usual reaction, excitement about something they had no idea about. It is pretty neat to be able to see this over and over again. You can find more searching YouTube with the tag bcbbc08

One excellent presentation

Today I was at the Doxim seminar at the Waterfront in Vancouver. Jeffry Pilcher was there and delivered his 11Cs of Breakthrough Branding.

I don’t know how many presentations I have sat through in my lifetime. Does anyone? With 30 years in business though it is in the hundreds. Every once in awhile you attend one that puts the others to shame. Today Jeffry’s was in the Top 10. The material was great, the presentation was awesome and above all, the passion about the subject was real. It was outstanding.

The most interesting C for me was Culture. He spoke of how it had to permeate an organization from top to bottom. He gave examples of how this was done. To me culture is like the heartbeat of company. Without it even the best of plans and intentions will usually amount to nothing. The easiest way to find out is have someone who has never visited your branch come in and sit and watch the activity of the staff and the interaction with the member/customer. Ask them what they thought. They will tell you very quickly what they observed and what they felt. If it is there people will notice it. You don’t measure culture, you experience it. Jeffry brought this to play in what he said. It was neat.

If you ever get a chance to attend one of Jeffry’s speaking engagements don’t hesitate. You will not only learn something but he will put into words and patterns what you probably have been thinking about all along but just weren’t able to articulate it as well as this gentleman.

TGIF

Another week has passed and the events continue.

Our youngest son returned to his home in Copenhagen last Saturday after a great one month visit. As well, a friend returned home to Powell River who had been boarding with us since January while going to school at UBC. It is always an adjustment in a home when the total inhabitants decrease by 50%. Our oldest son and daughter are here for a visit for the next 2 weeks and after that we are home alone again. At least I won’t have to watch or hear the PS3 with Grand Theft Auto blaring away. That is another story.

The iPhone is working out very well. The phone has been dropping calls once in a while out here in the Valley but in Burnaby-Vancouver there hasn’t been any problems. The ability to have one device deliver all of the applications you connect with is really unbelievable. All of us at work have now had iPhones for a month and the glitter still has not worn off. There is only one minor issue, the inability to have your SMS mesages use ringtones instead of the stock alarm sounds. The best and most used downloaded programs for me would be:

• Evernote – Great synching with your Mac desktop.

• Comic Touch – Just add some humour because who doesn’t need it.

• Exposure – decent Flickr app.

• Jott – very usable app with the notes feature.

• BoxOffice – never have to look for a newspaper to see what movies are playing.

• Stanza – the best book reader. Great classics for free.

• Shazam – I finally know the names of some songs after hearing them for years.

• Facebook – a very decent interface.

And the two best!

• Twitteriffic – much better than any other Twitter client.

• OmniFocus – the absolute best program for to dos, projects, etc. Done in the GTD style with synching to your desktop.

As it turns out there are 10. There are a few more that are useful at times and of course the web sites that have a great iPhone interface.

I have started planning for the two presentations I am doing next month. It is always amazing when you start thinking about what you will say, how you will present it, thinking that there ins’t enough material. Then you get started and you have to hack it back because there is too much material. You could probably spend an infinite amount of time always tweaking the end result. One talk will be at Forum Solutions Partnership Symposium in Indiana. The other is at the CUCC 2008 National Lending Conference in St. John’s Newfoundland. After looking at all the other speakers I feel like a lightweight in a heavyweight division.

I have just started a book by Susan Jacoby “The Age of American Unreason”. In it she analyses of the intellectual condition of the US. She does not pull any punches. It has some great writing with inventive and sharp cynical humour. Rationalism at its best.

Have a great weekend everyone! The dog days of summer are upon us.

Batteries, hamsters and daisies

This morning my MacBook Pro started to freeze up. There was no response to the keypad or trackpad no matter what. I tried booting about 6 times all with the same problem. Dug out the CD and rebooted but again it didn’t work. Holding the ‘C’ key down wasn’t being seen by the Mac so it started to boot from the hard drive again. The only solution left was to take the battery out and let the machine ‘die’ from a complete lack of power. After putting the battery back Voila! everything is back to normal. It wasn’t that scary as I did have a current backup I could get to.

I wonder if sometimes life could be like that. Brent’s post today talked about him feeling like a hamster. I don’t know about you but his words rung pretty true. You tend to just get stuck with all the noise around you. Then you realize most of this crap is not life threatening, it is just noise. I just wish I could remove the battery and get a quick restart but that isn’t going to happen. You need to take care of what needs to be taken care of, just slow down and become human again instead of machine like. We need to remove ourselves of the A + B algorithm that becomes our existence and get outside and pick a few daisies. So if you get to do that today make sure you are barefoot and don’t step on the worms!

Why I love Twitter

Morriss recently wrote about the 4 stages of Twitter which was as close as it gets to emulating the stages of experience with this product. I hadn’t realized how long I had been on it and then thought about why, after e-mail, it is the one thing that is always checked.

At first it seemed that the community that would built up around Twitter, with you deciding who to follow and who is following you, would be limited. How many of your face-to-face friends would actually use it tended to be few if any and wasn’t everyone on Facebook anyway. But a community did build and it reached beyond any geographic location that you could imagine. Now you can see people responding to each other were you know you were the conduit in getting them followed or following each other. How many people have you interacted with because of someone else’s introduction to that individual?

There also seems to be a grouping of like minds. I have never asked or heard of anyone’s political persuasion, not that it would matter. There is not much knowledge about age or generation. In fact unless the person blogs and has posted the link you really don’t know much about them. Some post frequently, others rarely. There is a link or a connection to each person that proves to be different with each post. There is a unique insight when someone updates you on what is taking place in their life or their thoughts at that specific instant. There seems to be a common bond that is unexplainable. That unknown connection is why I love Twitter. It is an amazing way to communicate with some amazing people.

At the same time I am always somewhat hesitant on what to post. When compared to what some post, mine seem like drivel. Once in a while you can contribute which is satisfying. But one also needs to say what one doesn’t like. I really don’t like it when someone posts 6 or more times, right in a row. Thankfully everyone has a specific icon so when that starts you can quickly pass through the stream. It is also hard to follow a thread of thought when someone posts a short cryptic message to some unknown @person. If it sounds interesting you can click on @person and hope there is something there to understand. There is tinypaste if you want to go beyond 140 characters but it is rarely used.

Finally it is great to hear what music someone is listening to or where they are but I really don’t want to know that you have arrived at Starbuck’s and are having a double non-fat latté. Sorry but I don’t drink coffee and it irks me that I can’t be sitting across from you with a tea.

Why we do the things we do

Every single day we take a lot of things for granted. What we have eaten, our homes, our vehicles, what we do for a living, everything that makes up our ordinary lives. We just consider most of what we have as similar to everyone else. Just your typical ordinary person living a pretty unexciting life.

We continue in this realm with our family, friends, acquaintances and people we work with. We take the good days with the bad days and have a basic enjoyment of existence. Then we sometimes doubt what we are doing and think we need some authenticity in our existence. We look at life from our own viewpoint and neglect to consider that everyone around us has a unique and different viewpoint, not exactly our own. Life goes on.

I have always had a strong religious belief and don’t attempt to proselytize anyone. A key condition of each person is their free will and no one should be above trying to diminish that aspect of anyone’s life. That is theirs and theirs alone. We establish our own ‘moral compass’ from what we believe, how we think and sometimes how we were brought up. It has been important for me to pay attention to this though most of the time it becomes the most neglected. You tend to be viewed by what you do, not what you think or believe.

The recent Gonzo banker award has brought out some very kind remarks by people who I have the highest regard for. When your peers make the most positive statements about you, well you just are a little overwhelmed. It is something we don’t hear very often and I for one am guilty of not telling others what a positive influence they have been in my life. Sure we have our ups and downs and we all get those bad hair days. That’s life. We really need to seek to understand and voice those unique qualities we see in others. We really need to make sure that we tell that to them. It’s a quality of human existence that makes life really worth living. My deepest appreciation to all of you.

The iPhone and some new notions

As we spoke at BarCampBankDallas it became apparent that this new device will offer some solutions to problems we have had in the past. But maybe there is a bigger problem with us.

We have always been thinking of developing applications with the view that someone will be sitting at a laptop or desktop machine. That it is either stationary or mobile for use and that wifi or Ethernet connections may or may not be available. That is the physical environment of the user. But what happens with the iPhone?

Suddenly that environment is passé. Now the device has greater capacities and is in the pocket of the individual. Like a cell phone it will travel everywhere and will have that constant connection. It can be transmitting your geographic location and pushing you updates all the time.

We need to begin to think in more ‘real life’ situations. This may seem crazy but after being married for 36 years I like to know what my wife is doing and where she is. Before I head home from work I like to call her and tell her I am leaving. Sometimes I forget. In the near future this device will be able to tell her where I am. If I am stuck in traffic she should be able to see this. I don’t know how possible this was before but it will soon be a reality.

When thinking about financial services we can now view the possibility of geographic location of the person when they spend their money. If they use a debit card then the place of use can be paired up with the individual’s geographic location. Your alert mechanism for fraudulent use suddenly can take on some new dimensions.

And that seems to be the key, considering these new dimensions and being able to do development to deploy the application on the hardware. Software can become much more robust, much more specific and driven for much more usage. To put a function to use is going to be much easier. To use that function anywhere is going to make a major difference.

Sure there will be the glitzy ideas and software because this is so new and thought of as cool. But creating functional applications given the new parameters, that really could change the way some financial services and products are used and delivered. Fasten your seat belts.