Portable Bank Account Numbers

As you are probably aware, the Australian telecommunications regulator mandated mobile phone number portability which eliminated a major source of ‘lock-in’ previously available to phone companies.

Today banks enjoy a very similar source of lock-in – the lack of portability of bank account numbers. Changing from one bank to another s requires the re-establishment of receipt and payment methods with employers, customers and service suppliers. The hassle and effort here works in the banks’ favour by increasing the cost of moving from one bank to another.

I imagine a future in which I can switch banks without disturbing any of my other financial relationships! When I accept funds or pay someone I use a number that is owned by me, not my bank. If I change banks, the number comes with me.

We enjoy this opportunity with our mobile phone communications - anyone else interested in having the same opportunity with our money?

Influence: The Psychology of Persuasion


Cialdini’s book is a must read for all sentient beings. The facts on the ground are too numerous for our minds to accommodate so we consistently adopt mental shortcuts that make us vulnerable to the compliance practitioner. Forewarned is forearmed!

BTW Charlie Munger‘s personal reflection on Cialdini’s thesis, “24 standard causes for human misjudgement“, is also worth a listen.

Replacing TrueCrypt

If you are a TrueCrypt user then recent events will have given you pause for thought.  What to do? After reviewing alternatives, I have made the switch to BestCrypt. The tool is feature complete and the conversion has been seamless so far. … [Continue reading]

Javascript Concurrency

Every wondered how the javascript concurrency model works? I didn't either .... until tonight, chasing a bug in todotxttdi.com todo.txt HTML client.  In case you are interested, here are the three references that got me across the line: Mozilla … [Continue reading]

Indentifying Configuration Items and MS Project

clsPermanentID-10

This post explores a way of using MS Project to automatically allocate a permanent identifying number to a project's configuration items. Within PRINCE2 project management guidance, configuration management depends, in part, on being able to … [Continue reading]

Innovative Todo.txt client

Stay on top of your Todo.txt from any (non-IE) browser anywhere! I am pleased to announce the release of http://todotxttdi.com, a HTML5 Todo.txt app for Dropbox. Let the content of your Todo.txt drive the user interface,' and sort and filter … [Continue reading]

Todotxttdi

todotxttdi64

HTML5 Todo.txt app for Dropbox with novel user-centric text-driven user interface. … [Continue reading]

Ambi Functions

Here are a couple of short examples of ambi functions. These may be copied and pasted into the Ambi Calculator. The first is a recursive implementation of Euclid's algorithm for finding the Greatest Common Divisor:   function; gcd; // A B … [Continue reading]

Ambi RPN Calculator Update and Chrome Extension

I have updated and released a new version of the Ambi RPN Calculator and programming language. Version 0.6.0 includes the following improvements ... Complete redesign of UI using browser local storage to preserve state across invocations. Added … [Continue reading]

Finding “my place” in Australia

It has been almost eighteen months since posting to this blog and two years since I returned to Australia with my family in late December 2009. I joined Wesley Mission as a Project Manager and Business Analyst in May 2010.  Project managing an … [Continue reading]

Australian Radio Streaming URLs

I have just started using the Chrome Radio Player and search as I may, I was unable to find a single source for the streaming urls of Australian radio stations. I have found them and here is the result of my research. You can plug these URLs into … [Continue reading]

Visual metaphors assist busy readers, learners

See this in the news: Probono Austrlalia Apr-24 Non-profit Forum May-02   Announcing the availability of the first implementation of the Knowledge Ferret open source project. The knowledgeferret.com adds a compelling visual … [Continue reading]

Golf Zero

Some keen golfers face a time when they can enjoy a walk around a golf course, but are not able to swing a golf club like they used to. A golfer's swing could be interrupted due to injury, sickness or due to natural aging processes. Should an … [Continue reading]

Knowledge Ferret

kf

A novel way of applying adult learning and human-centric design principles to the presentation of large bodies of knowledge. … [Continue reading]

Lifetime Postal Address

LPA

I would like a Lifetime Postal Address (LPA) that I could give to the 50+ organisations that send me items in the post. I would be happy to pay Australia Post $100 per year for the opportunity to never have to change my postal address - ever. … [Continue reading]