You know, no matter how much you explain, some people never manage to get it. Take Wonga and the thorny question of APR, for example. Wonga - the acceptable face of credit. Now I’m not going into compound interest’s mysteries and related technobabble. Let’s just look at the reality of how life is and take it from there.

Before the crash, we trusted banks and most of us funded our lifestyles with credit. Nowadays, most people are recovering from first-degree finger burns and avoid credit like gasoline on bonfire night.

But life still bites. You still get unexpected bills that threaten the next meal’s arrival. And if that happens – and you’re smart – you’ll appreciate Wonga…

Here’s a question for you. Imagine all four banks merging. What would we lose? OK – so they wouldn’t share one trough – and no one makes one that big. four brands - yet nothing to choose between any of them. Are we being served?

If our high street merged, what would you take from each to form one super bank? I’ll leave you for a minute to have a think about that one.

For all banking’s “talent” and money, why so little to choose between each one? Why can’t we find a killer product or even one differentiator?

How can this be – in other sectors key differences exist. Why not in banking?

A writer who I follow was bemoaning the lack of change in banking the other day. Now the point was perfectly valid – until he took a pop at P2P lending. True disruption. the effect may be massive but the true percentages are surprisingly low! As I follow social banking – and as one of its great supporters, I had to disagree. But it raised an interesting question. How do we measure disruption?

The writer in question was James Gardner, who’s the general manager of Spigot, the leading business process software vendor in the innovation space.

In theory, he should know. But then he suggested that it could be “nearly 100%”. That sure had a disrupting effect on me – because that’s plain silly…

I worry about web design. We’ve always catered for the lowest available platform. Designing for people who don’t know, or just don’t care about the Web. beautiful themes like Shelf from YooTheme push the boundaries of what's possible. Should all sites be this good?

I mean, there are some great web browsers – and they’re all free, for Pete’s sake. Gaming calls for the latest technology. People happily buy that, don’t they?

But for some reason, we have to placate the stupid and design sites like its 1999. Web designers are told that they must maintain full compatibility with everything. Not just for browsers maybe a version behind, but stuff from another age.

Well, I think it’s time we ask the question. Should we push or just follow?

Business as usual for the global auditors. Its just like there was no banking crash. Pricewaterhouse Coopers – PwC – has just published its results. What did you do last year - before you audited my bank? Three things jump off the page to me. And each mind-numbing fact reminds me just how stupid banks and enterprises really are.

Firstly, PwC two main businesses turned over £900 Million and £650 Million each. The next is that UK Chairman Ian Powell will net a bonus of £3.7 Million.

And thirdly, they took on 1,200 graduates – average age 24 – to work with clients. Congratulations. That waste-of-space intern is now costing you £2,500 a day…

Ever stopped for a moment to consider exactly what is banking really all about? Could a lawn mower be the key to change?Could  a mower teach our failing banks a valuable lesson? Not any old lawn mower. But Bosch lawn mowers – and how they came about. Because this is about re-invention at a very dark time. A time not unlike now.

About how a company faced with a collapsing market found the vision to change. Emerging stronger and able to cope with an even greater challenge to follow.

You know, technology works when it helps you do things you need to do easier. But its really cool when it lets you do the things you like to do better!

You basketball fans will know that the European Championships are currently on. There’s an app for that – and here it is… Keep up with the latest scores at EuroBasket 2011 with EuroBasket Live 2011 for the iPhone... Its a really well designed app for iPhone and will be the go-to app for hoop fans. And at $1.99, if you don’t want to miss a game, you shouldn’t miss this.

The app’s of course available in the App Store right now. So why not give it a try? Makes a change to talk about this rather than the Euro as a basket case!

Once upon a time, we thought US financial policy was decided democratically. That concept was blown away like a dollar bill in Hurricane Katrina. How Standard & Poor really decided US financial policy

The US government in reality is no more than some crude Punch & Judy show, the strings being pulled by a financial Mafia run by Wall Street and its lobbyists. Everything neatly stage-managed by a company called Standard & Poor.

Standard & Poor was perceived as the US financial world’s steadying influence. The trusted hand deciding the efficacy of decisions taken on Wall Street.

The banking crash revealed a startling fallibility – but was that the real story?

They must have made us buy millions of wallets. I’m talking about plastic cards. They became an obsession – even something we collected. What's in your wallet - a lot less plastic, these days... Colourful, pictorial, themed, silver, gold, platinum, even black. We had them all. Pushed by banks and card companies desperate to part us from whatever cash the Government hadn’t taxed us on, we let them cause our own credit crunch.

But finally, the tide is turning. Its not just consumers who are abandoning them. The banks can’t wait to get rid of their dried up cash-cow too.

The inner groans from social psychologists must have been deafening recently. Politicians calling for a messaging platform ban during unrest – really? The politicians don't like people talking when it can't be controlled, do they? A typical reaction, of course. Look for something to blame. A technical scapegoat. But wait, there’s another network that gets people together. Public Transport. Maybe we should we ban that too?

No, of course not. transport is a central part of our social infrastructure, neutral. But no question. Social media was at the heart of the riots. So, is it really evil?

This is one of those flights of wonder moments. An idea that came out of the blue. What I’d like you to think about is – what places us apart from other animals? Why doing something for no reason defines us as real people... Sounds easy at first. Is it our use of tools, how smart we are – even our reasoning. But those aren’t definitions, they’re just more shades of the same colours.

Every animal will have those qualities to some extent, some smarter than others. Just what is it we have that animals really don’t – and what should we value?

Just think about it – It might just make you look at people differently…

OK, OK. I wouldn’t have put this on here but it’s Jen Aniston and its the weekend. Anyway. You don’t want to hear from me. Here you go…

Well. Not a whole lot for me to say after that, is there. Have a great weekend!

How come most companies think having PowerPoint more important than CRM? CRM comes last, after email, office productivity and accounting. Salesforce is great, but here's something that will get you similar beneifits right away, too... Everybody knows, we’re told often enough, that looking after customers is vital. But as a process, many companies don’t see it as that important.

In fact, most companies don’t think about managing the relationship with their customers until something goes wrong and they find they can’t.

Ironic, really. When you consider that CRM will start to deliver benefits instantly, the moment you roll it out to your users. Let’s take a look…

NFC on phones is being pushed hard – the Next Big Thing for affluent spenders. Sure, it makes sense at first. A cool way to pay. But… NFC- the automated checkout on your phone. But maybe not? Why not – we’ve this gadget-laden generation. Out to impress. They’ll love NFC. Well, maybe they won’t even think about it.

How can I say this. It flies in the face of everything the marketers are saying to us. But that’s the thing about marketers. They can sometimes miss the obvious…

Email. Its been around for over 40 years. And up there as our No 1 business tool. But things could be about to get very interesting in Inbox world.

Blackberry - past its sell by date? Will Microsoft be the new recipient?

As they say on Wall Street, what follows are some forward-looking statements. Therefore take this as my personal view, as the outcome is far from certain.

Three events have got me thinking about what might happen. Let’s set the scene. And taking the stage are RIM, Microsoft, VMWare, Zimbra and SalesForce…

Just a few months ago, I had high hopes for what Tesco bank might achieve. Even with Fred Goodwin fan-boy Benny Higgins in charge. How a new bank deals with customers will make or break it. Tesco seems badly broken. But the recent prolonged outage for so many customers has been handled badly. And Benny Higgins has shown his old-school banking colours.

Given the opportunity to show strength and courage, he chose to make excuses. Instead of holding his hands up, he chose mitigation.

Every new venture has a wobble. He could have shone, but he blew his chance. Not only does Tesco have the wrong boss, it has the wrong staff. Here’s why…

If you wanted to take on the big boys, you maybe wouldn’t choose 2011 to do it. Fortunately GiffGaff thinks differently. They think differently about a lot of things.

GiffGaff doesn’t sell phones – or take your soul for two years for the privilege. GiffGaff doesn’t sell you network access and penalise you when you use it.

GiffGaff’s all about a mobile SIM – and a great package. But there’s a lot more…

OK, regular readers will know I’m not buying the hype around SmartPhone NFC. This is for a number of reasons and none of which are about it being new. for NFC mobile payments to work, it must reach all it market... and it won't. I’ve talked about security, why quick isn’t a good reason, but that’s not everything. The real show-stopper to me is market reach. NFC just won’t fit the market.

Every other payment system before NFC reached its market cheaply and quickly. Now I’m going to show just how far NFC will fall short. Time to wake up…

Paying huge bonuses to retain top people in banks has long been controversial. Distasteful certainly – but maybe even counter-productive. Karl Duncker shows us paying bonues for ideas doesn't work. Let me tell you about a test Karl Duncker did just after the Thirties banking crash. You could be surprised. And even more angry with the banks…

Can anyone tell me what message RBS is using for its current media campaign? Sure, NatWest’s you may know, but what about RBS? RBS - will the Royal Bank of Scotland brand disappear - and would will replace it?

Although owned by Royal Bank of Scotland, NatWest isn’t as hated as its parent. Strange, because really NatWest’s no better – some may even say its worse.

I’d like to talk a little about NatWest, but lets concentrate first on RBS as a brand. What can be done with a brand so damaged it’s lost the trust of its market?

Top