We need to think ahead….

In today’s society we seem to be wasting so much time on discussing the past and how we can/should be fixing the past, instead of looking ahead…..

The simple reason for looking ahead perfectly summed up in this statement here:-

” Regulation is addressing a problem in the rear view mirror rather than looking at the road ahead “

Yet all too often all we are doing is saying “What if…..” or “How about….” in relation to the past yet this fixing of problems isn’t doing anything to solve the much bigger problems which are arising just around the corner was we always believe that someone else will be looking at that……

But guess what, nobody is!! As if there was someone doing that, do you really think that you would be spending so much time work on fixing/finding solutions for the past?

As costs continue to soar, we are aren’t looking at how we can deliver a cost saving future as we aren’t prepared to invest in happy to reduce costs when no profit is involved.

We need to start looking at how we can develop Social Enterprise which by capitalising on Green Energy, Kinetic Energy and Renewable Energy can produce a huge impact today on the way we work and the environment – not just talk about how it can help in the future…..

Whether we start at home or in the workplace, by making it compulsory that all new projects contain Air or Ground Source heating facilities as well as combining Solar and Kinetic Energy production, homes and workplaces will virtually have no energy costs and this is such a powerful proposition we need to be looking at today…….

But why won’t Councils do this?

The main reason is that they are too afraid to be forward thinking yet they are so happy to give grants to Companies, Research Centres/Groups and University’s to look at developing this technology whilst it already has been around for 15 to 20 years!

We have to stop keeping reinventing the wheel and actually start looking at what’s already in place and further enhancing/improving “The Wheel” to start delivering both environmentally and financially beneficial solutions to help improve our society…..

To learn more about how we can improve tomorrow’s society today, please do get in touch via completing the form below:-

Ian Calvert provides a range of Services whilst being a Brand Ambassador, Brand Advocate, Brand Evangelist and Social Business partner for many companies not just in the UK but Globally too. Thus, by keeping ahead of the game, Ian Calvert can help leverage and build the foundations for bringing both you and your company into 2018/2020 today. To discover more, feel free to contact via his website here.

 

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Is Innovation just Destruction in disguise?

Innovation – really?

Are you sure you are really creating innovation?

Are you not just re-inventing what has been done before? Just in a faster more efficient way?

With most things that we or others do, technology seems to be the answer but is it really the answer?

We are now seeing today the shift in marketing coming back around again to the old format of “word of mouth” or “referral” but in today’s world of technology and marketing speak – it’s now redefined as being labelled “relationship marketing” or “social selling”!!

Same method just a different hat/clothes….but whilst marketing may be coming full circle, it doesn’t mean that innovation is delivering what we really want!

Is it just really destruction in disguise?

Are we innovating just for the sake of it and wanting to make a name for ourselves or make lots of money out of it?

Take the world of banking for example….

In the past of pre 1960’s, all decisions were done at your branch and the bank manager knew you and your family. So, any lending etc was all based on you and your ability at his/her discretion – all down to the relationship that was there within the community based on you, your family and the company that you worked for.

Since technology (in it’s earliest formats) arrived in the 1960’s, automation has taken over more and more to make systems more efficient and streamlined but has this really worked?

In some aspects yes you could say it has but in others, the real answer is no as local knowledge and decision-making was removed, thus meaning as people were rejected for funding, the rise in third-party lending increased.

The rise of third-party lending meant people were forced in to higher debt as these lenders would charge more than a normal bank at huge levels meaning it could take a year or longer just to pay off an amount that if a High Street Bank had lent them the money, they would have only taking weeks or a few months to pay this back!

Then as technology developed and arrived more and more in to the banking and finance eco-system, since 2010 we have seen a boom in telephone and on-line lending. This means, the speeding up of the process of lending, by getting a decision within minutes and then the payment into your bank account within anywhere from a few minutes to a couple of hours!

So yes taking banking, technology can improve and make services more streamlined and efficient but at what cost?

With this technical revolution that the banks and third-party lenders are rolling out, another new wave is appearing with launch of Challenger Banks but this is not better…..far from it……

Yes, the speed of delivery, the time for results/approvals being delivered and transactions speeds improving, are all benefiting us in so many ways.

By streaming processing and implementing the technology, once the investment/delivery costs have been covered, the cost base is much lower meaning shareholders/investors are being rewarded with huge improved profits.

All well and good you may say but is this short-term win worth the long-term pain?

The Challenger Banks are operating from one or two locations where they have offices for the staff to operate from as well as looking after/developing their own technology – no physical branches or local staff for you to deal with.

Thus meaning, the overheads are so much lower due to a much lower operating base, and when added to offering virtually the same services, revenue stays around the same but when combined with lower overheads – the profits will be much higher!

So as traditional banks have to match and compete with the online/telephone companies and Challenger Banks, branches shut and staff numbers are reduced – creating the casualties of technology!

And this is where innovation becomes destruction over moving forward…..

Empty buildings that the banks vacate become empty for long periods of time and make the streets look empty/lonely places to be – creating a Ghost Town environment?

Before you say that new local businesses can take them over and move in, the issue is that the Pension Funds that own them and add to this, the costs of the Estate agents that manage them – the rents become too high for small local businesses to occupy them!!

And in turn meaning these remain empty……….

Add to this, the staff that are laid off, the number of people being unemployed will rise and rise, leading to more destruction of our society as how will they afford to live?

With Pension Funds not making the money to cover the pensions they have to pay out; and added to the fact that more people will be seeking benefits to replace the incomes they had before due to not being able to find a replacement job – this all leads to the destruction that our society will see as technology takes over more and more…….

The question is, are you prepared for this destruction that innovation is now creating…….

 

If you are wanting to understand more about FinTech, Social Relationships and how it all combines with what The Social Family offers, then feel free to contact myself via the form below:-

Are you really moving forward?

We all seem to be going about doing our daily routine but aren’t all jobs the same when you drill them down?

Some may say that their job is different everyday but if you look behind the scenes, it is still the same each day with the same processes and reasons for working being the same.

Yet we are constantly hearing on the news of all this new technology and how the internet is going to make our lives better, but is it?

Are you seeing it?

Are you experiencing it?

Whilst it is not there for you to reach out and grab, it is surrounding you each and everyday thus playing an active part in your everyday life.

Whether you traveling in your car,  on the bus or the train, data is being collected and used by their on-board computers as to how the engine is performing and if maintenance is required. Whilst you walk down the street, through a shopping centre or crossing the road, sensors are detecting you and your surroundings to measure the air, environment, traffic and pedestrian movement – the list goes on – feeding all this data back to make our lives better.

So, don’t dismiss all this technology out of hand and say it isn’t affecting you because it is and there is so much more to come. Whether you like it or not, Wearable Technology such as bands or watches are just – as an example – a more usable mobile device of when you are in hospital and attached to a monitor and it measuring your heart or blood pressure. So if you can have devices like this, that still allow you to continue your every day life but is able to send all this information back to your Doctor, isn’t this a way to improve your life?

Taking technology to a further extreme – yet some would say this is brilliant, if you are passing your local Tesco, Sainsbury’s or Waitrose and your Smartphone or Band alerted you that you are low on milk and you needed to buy some – would this appeal?

Or is that just plain creepy….

We will never find everyone in society liking the way technology is entering or changing our lives, but it is mostly done to improve how we live, operate and behave…..

you just have to decide whether to accept it or not……..

Change is coming but are you ready?

Over the last 6 months, we have seen a huge change within the technology industry and these pieces will start coming together during 2015 and leading into 2016 but are adding yourself to these individual pieces before they become one?

Change 2015 02 05With Technology moving from SEO through to Content Marketing and now Social Selling, many companies have played at the release of technology to enable technology advancing into our lives only to fail…..

We only have to look at Microsoft with their Smartwatch which was announced at CES03 where Bill Gates announced they were developing the SPOT (Smart Personal Objects Technology).

This was too ahead of it’s time and development stopped in 2006 before the the project was officially closed down in 2008.

So what you need to really understand is that your dreams (and many will dismiss you as a fantasist or crazy with with mad ideas) can and will be part of your business. May not be this year but most of them will happen over the next 10 years, so you really need to think about if these ideas come true, is your business prepared or ready to embrace these concepts?

Bridget Carey giving an insight to how Apple are using iBeacons within their stores - 6th December 2013

Bridget Carey giving an insight to how Apple are using iBeacons within their stores – 6th December 2013

Bridget Carey is explaining here, who would have thought that when you walk into a shop, the outlet can identify you and be able to greet you. If was a coffee shop for example, there could say something to me like

“Hi Ian – large Americano as usual? Sit down and we will bring it over to you”

Then as I sit down, the Coffee shop then makes my drink and charges it to their App’s on my phone which I have pre-loaded with funds already. Now whilst we are not completely there yet, we are very close with what Starbucks can offer with their card and App – are you using  their mobile App?

All this can is possible and has been possible for years – and yes before people say Google/Android have been doing this for years –  it has never taken off properly because there hasn’t been a full common driving force behind it.

Now with Apple launching Pay – 9th September 2014 – in the US with continued roll out Worldwide during 2015, Apple will be driving this forward by utilising NFC in-conjunction with their iBeacons. Rite-Aid and CVS virtually immediately turned off NFC in their stores and then Wal-Mart followed deciding to go with other options which may not be available until Q3/Q4 2015 or 2016. Why is this big – one simple reason, they are scared that Apple will have access to their customer data or alternatively, other retailers may be possibly to see what these people have have been buying and target them with special offers.

The interesting factor is that Google are now re-launching and about to start a big drive on Google Wallet – too much too late?

Recently, we have had a raft of announcements including:-

  • Back on the 21st of January 2015 – Microsoft demonstrated what they are rolling out with Windows10 and Project Spartan together Hololens and Holostudio – taking Windows to the next level. All this, is bringing the technology that has been around for years to the forefront of peoples’ thinking
  • BMW were telling people at DLD15 – 20th to 23rd of January in Germany – how emails and texts can come into your phone in the car as you are driving and then it it will be read out to you plus giving you the ability to talk back to give a reply to send in response
  • Cortana is ready to have a huge impact on this arena too – just like Siri – but going further when Windows10 launches by having direct voice interaction into your photos, App’s and Office App’s too. This, if you continue the thinking of what Cortana will be able to offer, you will be able to have your own Virtual Assistant who could take personal messages, advise you what appointments you have and be able to dictate and send emails, messages etc for you.

So by looking at these links below and above, you need to start really thinking about technology is evolving and how you need to prefer your business now for this. And before you say that this is a long time off, no it isn’t as various companies through Wearable Technology is already offering many of these services plus with Watch launching around 17th of March 2015 together with Pay rumoured to be launching on the same date in and around the UK and Europe, all this technology is going to have a major change to your business but are you ready?

McDonald’s and Starbucks have already kicked off 2015 by recognising that their customers are using their phones more and more so they need to make sure they can continue using them. Thus, to help them, they have installed wireless charging points in their stores around London and will extend this roll out across the UK during 2015.

So……

the question is….

CHANGE IS COMING

but…….

ARE YOU READY FOR IT?

To learn more about bringing the future into your business today and setting you on the correct path for your future, as well as understanding the forward thinking and the views & opinions of Ian Calvert, the research for other companies that he is looking into and undertaking for companies or just to learn more about Ian Calvert and how he can help you further, you can visit his website here

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