FSA is no authority for bank regulation - its a waste of resources... Lloyds Banking Group is the latest shady bank to receive a slap on the wrist from the FCA. In fact, the $45 Million fine meted out for gross financial mis-selling is the biggest to date. But it won’t change things one little bit. Why do I say this?

see how fastacash are using the power of social networks to transfer ex-pat money! Foreign money transfer is big business here in the UK, with many Commonwealth citizens working over here wanting to provide for families back home. Banks and services such as Western Union can be expensive, intimidating and inconvenient, so a Singapore based company has launched a new service using social channels like Facebook and Twitter.

how not to deal with customers by HSBC!

Spotted a very surprising Tweet a few days ago from prominent banking futurist and founder of Moven.com, Brett King.

He’s been caught up in a gross administrative blunder by HSBC in New York when they closed his account as part of a small business account rationalisation process.

Apparently, HSBC in the US are shifting their retail strategy away from smaller businesses and removing banking facilities from well maintained, perfectly viable customers. A bit like RBS in the UK, but without the criminal intent.

While that’s certainly a regrettable action by anyone’s standards, it wasn’t what Mr King took issue with. It was the failure to engage with the customer properly, turning a mistake into little short of a PR catastrophe.

nite watches a truly innovative watch design from a UK-based company!

The largely Swiss-based watch industry boasts some very prestigious brands. Even in this economic cliumate, each one constantly raising the bar at sometimes mind-boggling cost to produce something spectacular for the watch fairs held all around the world each year. There seems no limit to what some people will spend on a piece of wrist jewellery.

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Ever heard of NFC, or ever used Google Wallet at the cash-out?

No, neither have most people. Using a phone to pay just doesn’t make sense. Its much slower than a card or cash, complicated to set up and just plain risky. But how about this?

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Ever heard of NFC, ever used Google Wallet at the cash-out?

No, neither have most people. But how about this?

This may actually be the first mobile payments system that actually works. Check this out.

Want to waste your money? Ask for an update to an old website.

I’m not talking about wanting to renew or design a brand-new site. What I mean are the changes to a site designed some time back. The site that “doesn’t seem to be working any more”.

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Organic Hospitality goes to Crowdcube to fund expansion Specialist marketing agency Organic Hospitality is using crowdfunding to raise capital for expansion.

Graeme Kerr, the Glasgow entrepreneur behind Organic Hospitality, is using Crowdcube, the commpany chosen by TV’s Kevin “Grand Designs” McLeod recent £2 Million pound investment plans.

Graeme is looking for £150,000 to grow Organic Hospitality as a specialist marketing agency for the exclusive four and five star boutique hotel and tourism market in the UK and abroad. His company already lists prestigious hotels such as Mar Hall and Sherbrooke Castle as clients and undertook a large branding and web design project for St Andrews last year.

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BenQ EyeCare Monitors - better to use, better for your eyes! If you’re one of those people who uses a workstation rather than a notebook, you may have noticed despite the quality of your display, your eyes feel a little tired – particularly when working early in the day, later in the evenings or when the ambient light is changing.

That’s because the system that lights up your monitor – called the backlight – flickers as it adjusts to the light within the room. That causes the ciliary muscle in your eye to overwork, as it tries to compensate for this nearly imperceptible flicker.

So, your eyes feel tired, you actually squint at your screen (making you look tired) and you can even walk away with a headache. Not good at all.

Well, BenQ, the Dutch based monitor manufacturer has used its vast research facilities and experience in the medical sector to come up with a new range of displays designed to avoid this. The Senseye Eye-Care range…

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I wrote a while ago about the impending demise of Flash and how HTML5/CSS3 was the future.

Nothing’s made me alter that opinion, but I’ve now discovered something else. The thing I’ve discovered is how unprofessional, bad-mannered and arrogant some graphics artists really are.

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When only one married partner is working, you’ll lose about a quarter of a million over ten years. Add one child into the equation and you’re down over half a million easy.

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Once, all web designers had to do was to produce a creative design, wrap it in a bunch of HTML code and present it to the client.

Of course, it had to work with every web browser and still look great. No one ever had to worry about responsive web design.

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UX. Another set of initials to get your head around. But the idea is as old as design itself. What we’re talking about here is user experience.

When a potential new customer visits your site your task is to take them on a journey. You need to show them products or services you want them to see, but in a way they enjoy and find stimulating.

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Just seen a client who started her business about three years ago. She had some amazing ideas and the guy who designed her site took it all on-board and produced a great website for her.

The site was highly graphical and Flash-heavy – in fact 100% Flash. It looks very cool, But its just not performing for the client.

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There’s so many things you have to do when re-branding a business and working in digital sector doesn’t make it any easier!

In fact, in many ways, its more difficult. You have to get it right, or you’ll never live it down. You can’t invoice for the work, so it takes longer fitting it in between paying clients.

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I received a surprising text message from one of my clients recently. She’d wanted to send me something, but she couldn’t find my email address on my website. That stopped me in my tracks.

You see, I’d thought I’d really got my site’s contact methods nailed. After all, my phone number was everywhere, I’d placed contact links on every page, but I’d clearly got it wrong.

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The creative dust has settled. The site’s signed off. You’re ready! Except a new site full of Latin loren ipsum isn’t going to bring visitors flocking to your door to buy. What you need is content.

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Which Smartphone would you get next week, next month, next year. How big will the screen be and what will it do?

Don’t worry if you don’t know. Because neither does anyone else. We just know it’ll beat what’s around today and it’ll do stuff better. And that’s the problem with mobile development.

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The web design industry has always had distinct roles and functions. But everything could be just about to change.

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Funny. I’ve always had a kind of uneasy feeling about Adobe’s Flash. Maybe because I saw it as some strange black art practised by weird geeks in back rooms. Flash never felt right, somehow.

Seems my unease about it was justified. Adobe’s just said it’s pulling the plug on part of its giant Flash product portfolio.

Only their Flash Mobile product, that is. Now you might say, so what? But this move suggests a more seismic event to follow.

With Adobe now working on the technology to replace Flash Mobile, desktop Flash will soon find itself the next in line product for the axe. But why’s that such a big deal. After all, technology changes regularly. Why worry about Flash?

Flash has long been king of Animation City. But Flash is a proprietary product you had to buy to use. Its not the agonising death of another corporate cash-cow that is bothering me. It is what will take its place. And that’s HTML5/CSS3. Which few really know much about.

We could see a real slow-down in site development as people try to get up to speed. That’s not occurred before and it comes now, when the Internet is seeing its fastest growth.

But this isn’t all doom and gloom. HTML5/CSS3 has great potential, such as search engine-friendly sites which can actually be updated – once we decide on the final video format, that is…

Don’t go for Flash – but don’t expect cheap HTML5/CSS animation. Because no one’s found the HTML5/CSS3 can opener yet!

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