Sunday, February 21, 2016

Elon Musk : Et si les lois avaient une date d'expiration ?

Elon Musk parle politique dans une vidéo. Il est en compagne du Ministre de l'Economie Allemand. Il parle démoctatie directe et aussi propose une idée :
Et si les lois avaient une date d'expiration, et expiraient si elles n'étaint pas revotées ?

Je trouve l'idée géniale.
Automatiquemnt les lois expirent à une date donnée.
On les reconduit si elles satisfont ou sont valables, elles s'eteingnent si non.

L'idée n'est pas de bouger constamment les lignes mais aborde positivement le principe de l'erreur. On gagne le droit par defaut de se tromper, le droit par defaut de reajuster le tir. Détricoter une loi est compliqué aujourd"hui, souvent asscocié à un echec un désevoeu.
Avec ce dispositif, ce serait simple, plus humain, plus adapté à un contecte de plus en plus imprévisible. Quand notre système légal a été pensé, le monde était bien plus lent.
Maintenant il est frénétique.

De plus, cela évitera de maintenir des lois totalement anachroniques sur le port du pantalon.

Qu'en pensez-vous ?

Lancement de l'Alpine : Renault, s'il te plait écoute moi...

En 2011, il y a 5 ans, j'expliquais que la marque renault serait toujours associé au bas de gamme, peu importe ses modèles de luxe. Pourquoi ? Parce qu'une marque n'est pas élastique. Elle a l'image son maillon le plus faible, de son modèle le plus bas de gamme.
Si une marque bas de gamme veut faire du lux, il lui faut une autre marque, ce n'est pas négociable.
J'étais très hreureux quand j'avais vu passer l'annonce de revival de la marque Alpine en 2012.

Et je suis encore plus content de voir aujourd'hui, 4 ans après tout de même, des images de la future Alpine sans losange Renault :)
Renault, si tu m'entends, S'IL TE PLAIT différenie bien ton marketing, décorelle bien Alpine de Reanult, NON Alpine n'est pas Renault haut de gamme, c'est Alpine, une autre marque,  RESISTE à coller un losange sur la calandre, même s'il y en avait un sur la vielle Alpine, les temsp on changé, les marques ne sont plus élastiques...


Disclaimer: je présente ici des opinions très personnelles, en aucun cas liées à ma fonction professionnelle.

Monday, February 15, 2016

How BNP Paribas and Boursorama fight Bankin's uberization. Is it the right way?

Follow up on a blog post I did on the Adobe.com's blog. It was about Uberization.

I took the example of Bankin, an app uberizing bank apps, being on top of them and commoditizing them.

It was six months ago.

Things changed then.

I use it with three banks: BNP, Boursorama, Crédit Coopératif.

Here is what happen now:

Boursorama:
Each time I log to Bankin, Banking ask me a one-time password Boursorama send to me by SMS. I have to type it in a form.
=> Boursorama make the experience of banking apps such as Bankin annoying reinforce security (well not needed security as Bankin is read only). The side effect is discouraging Bankin users and encourage them to use Boursorama app.

Edit: For a couple of days, I no longer receive the one time password request, maybe Boursorama got it was a bad idea...

BNP:
Last time I connected to Bankin, I saw a screen message powered by BNP: You tried to access to you account 100 times, you need to change your password.
To change to my password, I must log in to the BNP website to my computer.
Then go back to Bankin and type my password again on Bankin.
Again, security is the official reason I guess. Again, it's not true as Bankin is read only. Again, I'll have to reinstall BNP app.

At the end, brands are protecting them from Uberization, which is something they must do to survive.
But instead of closing borders arbitrarily, like China before, sacrificing their customer satisfaction, getting out the digital revolution, they should improve their level of service and solve user issues.
Users want one place to manage their bank accounts on their phones. Please help them to do it. If Boursorama, BNP or others do something better than Bankin, fine, I'll be happy to use their app.

It's like Taxi with Uber in France. If Taxis raise their standards, people will come back to them again. They won't win the war blocking streets and violently demonstrating.

Seek scarcity - Seth Godin's advise

I just read The Dip, by Seth Godin.
I won't sum it up; hundreds already did it.
It's a very short book. You can read it in one day.

I'll just highlight a notion: Scarcity.
Most people do some stuff. Few become superstars of some stuff.
Most people face problems and give up, few continue to push / push harder when they face issues.
These "few people" are rare (yes this phrase is pretty stupid). As you know, a scarce resource is a valuable one.

Most people try to be good enough or as good as others.
Most people attempt to eliminate their weaknesses instead of making their great strengths greater.
We should focus on some competencies and be excellent on it, superstars!

What are your weaknesses?
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Stop trying to eliminate them.


What are your strengths?
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How can you make them better?

I do the exercise for me:

Weaknesses:
- public speaking: I'm ok on stage, but I have to admit: I'm not naturally charismatic ;)
- make content fun: I'm good at positioning but not at making content cool
- event organization: I don't like that. My tendency to make things perfect will make me double food quantities if food is needed.
- slowness to learn languages: Vietnamese, Japanese, I practiced so much for so limited results... I don't know if I'm "special" but my brains seems slow on this.

Strengths:
- detect next things: I'm good at anticipating coming issues and success.
- create 1:1 connexions: I'm good at networking and love helping people. It has beautiful results.
- structure and plan things: the story of my life. I like cleaning up things and make things crystal clear.
- make synthesis: useful for market watch - I love crunching data, crossing sources to get a perfect data, crisp and helpful.

Anything else, those who know me?

Best,