Imagine you’re 100 years in the future, exploring a deserted landscape with your trusty cat sidekick. Your cat suddenly turns green. What does it mean? Hopefully, you’ll remember the song your grandma taught you as a kid. Your cat is green because you have stumbled across some nuclear waste. Time to scarper, and maybe reward your newly green cat with some fish.
When visiting San Jose for the CHI conference last year, I noticed that coffee shops and cafes tend to issue only e-receipts: tap your details into a little screen, and your receipt gets emailed to you. For the traveller who has to submit their expenses, and anyone who’s ever mislaid an Important Paper from a stack of random bits of paper (*cough*), this seems like a great idea. Technology can easily support purchase-tracking, it’s more eco-friendly, stores are more accountable. From the seller point of view, they get the opportunity to get some lightweight user feedback. What’s the problem? Sadly, … More
Despite the clamour about FinTech innovation, there’s still a gap in the market for fully-fledged Anticipatory Banking: banking and financial services that accurately predict your money flows and nudges you to act to minimise disruption. For example, if my bank can accurately estimate that I’m likely to go into the red in the near future , I’d like a nudge to suggest I transfer some £ to my current account. The nudge should contain simple tools to customise the suggested action, and a “go” button that enables me to seamlessly authorise the suggestion. Is this too much to ask? Although … More