The Great Tech Home Invasion

For anyone working in the technology sphere, you will know that your consumers are no longer confining technology to their work lives. People are demanding technological intelligence in every facet of their lives - from data around their workouts to a home that echoes the Jetson lifestyle we all grew up in awe of.

As consumer demands continue to disrupt the status quo, even the IT & technology industries aren't safe from becoming irrelevant. Gen Y's & Gen Z's are their own computer experts and will soon no longer require an 'expert' as they continue to become one themselves. So how does this dynamic industry protect itself & ensure it offers something that no consumer can replicate? Embrace the home!  As commuting becomes a thing of the past - the companies identifying & adapting to this need will truly thrive.

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The Biggest Tech Shifts In Banking!

Brett King is a globally renowned speaker and expert on shifting trends in banking. Technology & IT trends are the two biggest disruptors in finance, and the shifting demands of consumers is ensuring that further evolution in how banks interact with their stakeholders, via websites, apps and wearable tech, is absolutely vital for their survival.

In this blog post, Brett outlines the ways in which banks will need to evolve their IT / technology strategy to ensure they keep their customers engaged.

In 5 Years, 50% of revenue will be digital but where’s the revenue going to come from?

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Technology That Hugs

Nike’s recent withdrawal from the fitness band market has raised some significant questions regarding the future direction of wearable technology.

Although the size of the market is predicted to grow exponentially by most industry experts such as Credit Suisse, which predicts the market to increase five-fold to $50 billion by 2017 and wearable technology appears to have already reached a high level of awareness amongst consumers.

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Is Your Job Becoming Irrelevant?

In a world of constant change, how can we predict whether the role we play at work will continue to exist for years to come? In this thought provoking & no holds barred interview with ABC Radio, disruption analyst Michael McQueen gives us an insight into what industries will shortly become obsolete.

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Is Now The Time To Buy?

House prices are moving into very dangerous territory.

They are rising so fast and are moving to a point where there is a very real risk of a situation that spills over to poor borrowing decisions, relaxed lending standards and financial market malaise that would threaten to end Australia’s multi-decade economic expansion.

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Can You Future Proof Pharma?

Recent years have seen scores of iconic businesses and brands fall by the wayside. The demise of Kodak, Borders and Nortel leaves us with little doubt – shift is happening and no organization or brand is immune to extinction.

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Are You Lost in Translation?

Do you find your message constantly gets lost in translation? When you are dealing with clients older than you do you see them switch off? Or maybe you are selling the latest piece of tech to the Gen Y’ers and you keep losing their business.

When selling to different ages, the key to success is anything but one size fits all. 

In this short video I’m going to outline exactly how to close the sale whether you are dealing with an old school boomer or a trendsetting gen Y’er.

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Solid Growth for the Finance Sector

Australia’s finance sector is on track for several more years of solid growth...

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You Can Buy Your First Home!

Stephen Koukoulas is one of Australia’s most respected economists. His background covers the spectrum of economic insight - from his role as Chief Economist of Citibank to Senior Economic Advisor to the Australian Prime Minister.

In his latest article Stephen argues against the widely held belief that first homebuyers are being priced out of the market, showing us (and Bridie at The Guardian) that with a little frugality and some more realistic expectations, your first home isn’t just a dream.

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Through the looking glass… 2014 predictions

2014 is upon us, a year that is already showing signs of being a devastatingly successful year for the transformation towards digital nativity… so what do I see the year bringing to the world of culture, behaviour and technology.

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A Dummies Guide To Bitcoin

Bitcoin has been in the news a lot lately.

Involved in everything from space travel with Virgin Galactic, NFC with Nio Card and even Snoop Dogg‘s next record.

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Your Money in 2014

As is normal at this time if the year, economists are pretty much compelled to outline their main themes for the economy and markets in the year ahead.

I am not different so here we go.

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It's time to be EXTREME

The future of your business depends on just two abilities.

Firstly, being able to come up with excellent ideas to expand your business. Secondly to be good at implementing those ideas.

There are thousands of books and articles about the implementation part, but comparatively little about quality business idea generation.

Over the last 25 years I have made my living coming up with good business ideas and over time I developed a system that allowed me to do so quickly, efficiently and effectively.

Below is a quick ten step methodology that will allow you to speedily generate lots of different ideas for your company. Whether you'd like to conceive new income streams, fresh marketing concepts, breakthrough positioning strategies or novel product ideas, this system will get the job done.

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The Problem With Coin

San Francisco startup Coin today announced its first product — a credit card-sized device that digitally stores up to eight credit, debit, gift, or membership cards, and lets you switch between them by pressing a circular button on its surface.

It works with conventional ATMs and payment terminals but all is not as smooth as it seems. Here, Banking innovator and founder of Moven Bank Brett King, looks at the potential pitfalls of this product & what it means for the future of banking.

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The BIG Pivot!

In this insightful video, globally recognized sustainability expert Andrew Winston makes the case that the way companies operate today cannot keep up with the rate of change in our physical world.

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Your New Years Relevance Revolution

So many businesses are sitting here today faced with the knowledge that they are less relevant today than they were a year ago.

They don't quite know how it happened; everything seemed to be going so well. They were THE hottest product last January, but now the numbers say different.

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The Tyranny of Tradition

Beware the Tyranny of Tradition Michael McQueen warns us in this cautionary tale of a business that gets slowed down by it's 'barnacles'

Every business needs to ask itself, are we innovating? Are we doing enough to ensure we remain streamlined? Or are we carrying the dead weight of processes and systems that are no longer relevant?

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The Importance of Local in Global

Anders Sorman-Nilsson is a speaker and researcher at the very forefront of futurism. Through his think tank Thinque, Anders works with some of the planet's biggest companies to anticipate trends that will disrupt their business.

In this article, through his passion for bringing the digital minds together with the analogue hearts of each business, Anders looks at how companies are going to be impacted by a workforce & consumer base that has never known a world without smart phones & online gaming...

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When is a Dollar a Dollar?

Scott is a visionary and banking innovator who, as Movenbank's Chief Mobile Officer is poised to disrupt the banking services industry with a mobile-centric offering unlike any other. In this fascinating piece Scott explores what our physical money actually means and how we can expect this to change in the not so distant future.

Some say that it makes the world go round, others call it the root of all evil. But what exactly is money? Why do we need it? And where did it come from?

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What's in store for tourism in 2014?

The tourism industry has recently gone through tough times but there are some encouraging signs emerging that 2014 will be a better one for the industry.

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Reviving retail – how smart retail brands are winning in the digital age

It is harder to make a dollar in retail today than ever before. Recent years have seen the retail sector buffeted by a series of fierce and disruptive headwinds.

Indicative of this fact, consider the raft of retail brands such as Payless Shoes and Borders that have had little alternative than to file for bankruptcy as the going has gotten tough.

While a combination of factors have contributed to the woes of retailers, it is perhaps the ever-growing threat of technology and online competition that has had the greatest impact.

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Here come the neo-banks

Pre-paid debit cards are the fastest growing deposit product in countries like the United States and China today. In the US healthy 25% year-on-year growth the last 4 years now amounts to $350 Billion dollar annual business. In contrast checking accounts in the US have been shrinking by close to 4% year-on-year since 2009. The vanguards of the new bank account today, however, are not necessarily the giants of the financial industry. The new bank account is being defined by a different set of rules. Low friction, engaged customer base, differentiated distribution (no branches) and strong digital (mobile and web) support are all the rage, but at the core is a new approach to the basic day-to-day bank account. Join Brett King (Author of Bank 2.0 and 3.0) and his guests Alex, Jon and Shamir, as they discuss how neo-banks will are changing the rules and redefining what it means to be a bank at the same time.

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The Underbanked don't need banks anymore!

Do the underbanked really need bank accounts anymore? With the introduction of mobile financial options, more and more people are opting out of traditional bank accounts and turning to the myriad of financial options that are becoming available as an alternative to traditional checking accounts. Between pre-paid debit cards, gift cards, Western Union accounts, Paypal, pre-paid cell phones, mobile wallets available, social payment systems, the PayNearMe service, and Peer 2 Peer lending taking off, people can avail themselves of all the benefits of banking without having to enter a bank branch or deal with fussy application procedures and small print fees. Join Breaking Bank$ to discuss the way that people are turning to these options with Rachel Schneider with the Center of Financial Services Innovation and Danny Shader, the CEO of PayNearMe, which allows those that have opted out pay for rent, utilities and bills in cash from convenient locations they visit every day.

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How Walmart's Green Performance Reviews Could Change Retail for Good

Walmart's efforts to green its supply chain are about to get much more effective. Sustainability will now play a role in its merchants' performance reviews, which help determine pay raises and potential for future promotion. This is a big deal: these merchants are high-level managers responsible for multibillion-dollar buying decisions. They're the people who determine which products appear on the shelves of the world's largest retailer.

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Future Of Retail

In this profile on the future of retail and consumer innovations, author and futurist Mike Walsh talks about the influence of social media on consumer behavior. He uses real-life examples like Japan's Tokyo Girls collection, which enables attendees to use their cell phones to scan the dresses they see and instantly order them. This segment appeared on Carte Blanche, a South African TV current affairs program.

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Two Big Banking Predictions

Ron Shevlin (@rshevlin) and Jim Bruene (@netbanker) and I, have been back and forth regarding Ron's article on so-called NeoChecking Account and the news of the GoBank launch here in the US earlier this year. 

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What Does It Take To Be A Futurist?

What Do You Think It Takes To Be A Futurist? 

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Future of Work: Digilogue and T-Shaped

Have you wondered what aptitudes will position you ideally for a career in 2020? How do you choose the right career that even exists in 2020? Are your qualifications supporting you in an uncertain future? How do you combine tradition and technology in you choice of work?

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Hindsight Can Be Foresight

I reckon 2020 vision begins with 2020 hindsight. It's only when we reflect on past patterns, that we can either break those patterns, or continue them into the future. In fact, when we reflect, there is a greater chance that we inflect and reach a positive tipping point.

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What will be the office of the future?

What will be the office of the future? We were told that new technology would allow us to work from home, meet virtually and avoid travel – but if anything, as Yahoo employee recently found out – offices spaces are becoming more important and we are travelling more than before. The answer as to why may have as much to do with emerging ideas about innovation as an economic theory from the 19th century – Jevon's Paradox

Footage sourced from Cassidy Turley's State Of Real Estate 2013.

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Quick Draw Digilogue

As some organisations careen recklessly into the digital future and others are left behind by remaining steeped in the ways of old, thought leaders are coming to realise there is an important middle ground. Most o6en that's where your customers and clients want you to be, the place where digital and analogue converge -­ the 'digilogue'. In the digilogue it is understood that digital satisfies a customer's mind while analogue soothes the heart.

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Social Media Is Just Getting Started

Last year Facebook hit one billion users. It is reported that the average Facebook user spends 75 minutes per day using Facebook. Globally smartphone growth year-on-year was at 42 percent in 2012, with 17 percent global penetration, but more significantly with most developed economies expecting 70-80 percent smartphone penetration within a couple of years. This has led to massive increases in social media use over mobile. WeiXin, a new Social Mobile Network powered by TenCent in China, took 14 months to reach 100 million users, and just six more months to reach 200 million. Snapchat, based in the United States is sending 60 million mobile-initiated photos per day, or five billion snaps in little over a year.

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Just Slide to Power Off….

I was chatting with the fellow presenter at a conference in Singapore a few weeks ago about mobile phones and mobile devices and he said, “It’s used to be my barometer of interest…” As he presents he noticed when and where people reach for their phones and devices during his presentation because, as he described it, “it’s where the choice of the participant became ‘pay attention to the speaker’ or ‘pay attention to my device’ kicked and I would watch their attention tilt away from me to their damn devices.”

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The End of High Street Banking as We Know It

In 1961, Monash University in Melbourne, Australia bought its first computer – the Ferranti.

It had 1K of memory, cost $360,000 (£220,000) and was the size of a whole room. A typical mid-range laptop computer today has 250,000 times the memory, is 4-8 million times faster and costs 1/500th of what the Ferranti cost as a computing platform. This process, the acceleration of technological capability, is known as Moore’s law – and it has meant that since the late 1800s, the rates of technology adoption and diffusion into society have kept getting faster.

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Banking is no Longer A Place

In this video, Brett talks about the latest trends that are redefining financial services and payments.

From the global scramble for dominance of the mobile wallet, the expectations created by tablet computing, the operationalizing of the cloud and the explosion of social media he explores: How Social Media has exposed pricing, over-regulation, outdated processes and poor policy, How mobile technology is completely changing the context of banking, How customer advocacy is killing traditional brand marketing, and the growth of the ‘de-banked’ consumer who doesn’t need a bank at all.

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The ‘People Agenda’ in 2013

2013 feels uncomfortable in the mouth. The cultural baggage of the number 13 may be an influence of course. After all some building owners will deny a number 13 floor by simply going from 12 to 14 in their elevators listings.

So what does 2013 hold for us? What are some of the trends we need to be conscious of?

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2013: Which Industries are going to boom?

2013:

in 2013, retail, housing and finance should do well, sparked by lower interest rates and still low unemployment. Construction should start to turn higher, but manufacturing and tourism may well remain soft. The strong Australian dollar will not help. Mining will remain hostage to the world economy and that is looking problematic with China slowing, Europe in recession and the US still fragile. Don't bank on the boom in mining continuing.

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Predictions for the rocky, fascinating year ahead

The new financial year kicks off on 1 July 2012 and having watched the economy and financial markets for more than two decades, these calendar benchmarks are a good time to take stock, look ahead and think about the issues that are likely to impact on businesses and personal finances.

Before doing that, there is no doubt that in the last month or two, there has been some great economic news in Australia.

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Mobile at PoS & Advertising

eriously...mobile at point of sale will change advertising as we know it

In Wikipedia, the universal arbiter of debates on definition or trivia, "Advertising" is defined as follows: a form of communication used to encourage or persuade an audience to continue or take some new action.

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