Under Control

“We are what we think. All that we are arises with our thoughts. With our thoughts we make our world.”


Technology is a byproduct of imagination. Keep dreaming, this a virtual world.


Thanks to



Luck is an event that meets three tests:

(1) some significant aspect of the event occurs largely or entirely independent  of the actions of the key actors in the enterprise ,

(2) the event has a potentially significant consequence (good or bad), and

(3) the event has some element of unpredictability.

Return on luck. Great by Choice, Collins and Hansen


“As soon as there is life there is danger”

–Ralph Waldo Emerson


Daft Punk

Daft Punk is a duo  of french musicians that released their first album, Homework, in 1997. They have a notorious presence in the scene worldwide, since we listen to it here in Brazil, as well as people in France, Korea, Canada,… and they play for more than a decade. Then I asked myself, why should I blog it here? The answer — or consolation– came with the house beat, the vocoders, electric drums and synthesizers that compose the tracks played in random access memory, their latest album. This is a lot of #technology, in my opinion. And with all of this they deliver an excelent groove a la 70s.

More, but a lot more on the web. Start from Wikipedia>>, but even YouTube is a good call. Reach, or find the content is not the problem. The problem is find the best content that fits your desires, your moment and aspiration. Very subtle. In a very modern sense, it’s just semantic expression and search engine utilization. And if you cannot find it anywhere, there’s an opportunity to create, because never before has been easier.

Let’s bring even more #technology to this talk. What to say about this superposition between “Loose yourself to dance” (Daft Punk) and this video from Mr. Setevie Wonder — a genious–, Superstition, played in 1972. Both are from the same root (and pitch). Thank God! This is good music. Bounce’n your chair!

Once I heard at television that the movie “The Wizard of Oz” has a perfect match with Pink Floyd’s album, “Dark Side of the Moon”, which I like very much and was the very first album I ever bought in life. Nothing special about it. Have you ever tried? I’ll check at the web.

Albert Einstein Quotes

“Two things are infinite: the universe and human stupidity; and I’m not sure about the universe.”

“If A is a success in life, then A equals x plus y plus z. Work is x; y is play; and z is keeping your mouth shut.”

“Not everything that counts can be counted, and not everything that can be counted counts.”

The Future is Unknown

And that’s for sure. The best we can do is try some level of prediction, besides acting in deciding our own path.

“We simply do not know what the future holds.”

— Peter L. Bernstein

In life we have to play hard and give our best all the time. It sounds a little cliche, but let me to continue, besides trying hard we must be ready to adapt ourselves to the new. And what is the “new”?

The “new” is what life is becoming every time, every moment, everywhere. The uncontrolable path trough which life evolve, totally out of one’s control, can be named the “new”.
In fact, it can have many names. Who cares?

“We cannot predict the future, but we can create it…

None of us can predict with certainty the twists and turns our lives will take. Life is uncertain, the future unknown. This is neither good nor bad. It just is, like gravity. Yet the task remain: how to master our own fate, even so.”

Great by choice, Jim Collins and Morten Hansen


A Nudge is the capacity to influence a decision.

{Infinite Loop} Begin;

When you get a new cell phone, for example, you have a series of choices to make. The fancier the phone, the more of this choices you face, from the background, to the ring sound, to the number of times it rings before the caller is sent to the voice mail.

The manufacturer has picked one option as the default option for each of this choices.

Research shows that whatever the default choices are, people stick with them, even when the stakes are much higher than choosing the noise your phone makes when it rings.

Two important lessons can be drawn from this research. First, never underestimate the power of inertia. Second, that power can be harnessed. If private companies or public officials think that one policy produces better outcome, they can greatly influence the outcome by choosing it as a default.

As we will…

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“Imagination is the eye of the soul.”

–Joseph Joubert

Bank 2.0

Although the Internet has become an essential part of banking and commerce for most consumers in developed economies, the channel itself is still often limited in terms of potential because it is seen primarily as a cost saving mechanism by most retail institutions.

There appears to be a widely held belief by many banking execs that while the Internet as a channel may supplement revenue, it is never going to be a serious sales or revenue channel.

However, there are various facts that absolutely contradict that assertion, if not now, in the medium term.

So the question is why do some make this assumption?

Brett King, Bank 2.0

Quality Services

The following text was extracted from the book “The Credit Union World”, by Wendell Fountain, emphasizing the significance of Quality in service provision and its basic components.

“High-quality member service is not difficult to deliver. It depends on the constraints which the employee has to operate within; those are usually imposed by management, and the attitude of the employee.

Attitude is one thing of which an employee has control. No one can take away a positive attitude; a person must be willing to give it up. If employees are taught and encouraged to follow the fundamentals, it is difficult to fall short in the member relationship management process. So much depends on training and the willingness of the trainee to internalize the significance of such a simple method. The better the training the more likely that service will be delivered properly. Members and other consumers have become so accustomed to mediocrity that excellent service is perceived to be exceptional, consumers get excited.

What credit unionists, at all levels, should want are excited members because of excellent service. Once excellent service becomes an embedded cultural process, members expect nothing less and that should be the goal of all credit union leaders and managers.

If credit unions just practice the fundamentals, by delivering excellent service, member relationship management should be a given.”

An interesting point presented in this very few lines. Basically, half the process is under influence of external factors, or physical constraints, and half is influenced by internal factors, mainly positive attitude.

I totally agree with it.

Given that a service is an intangible commodity, like computer software, what if we extrapolate this concept to software products and services?

A software program is like a living creature, it grows throw unpredictable paths while users interact with it, adding personal experience to the user interface. Some operations have to defend themselves from end-user “creativity” while others explore it as a potential value generator. So, the positive attitude might not be a matter of intelligence, sophistication or operational procedures, but also good and structured programming, well designed interfaces, rational layouts, communication and a few other nudges.

Software products has technological considerations like platform update or even structural upgrade of installed base– database, servers, networks, middleware, packages, clients, …,– as technology itself is a never ended product because Evolution never reach an end.

Add the fact that businesses are complex routines in most of the cases.
The divide to conquer approach doesn’t make thing easier, it only make things possible. For machines all things are mathematical operations, but for human intelligence, decode this assumptions in machine language is quite a challenge.

It might look that the comparison between quality service for the financial market and software products wasn’t so clear, but the point here is that complex things are derived from single activities, and this activities are basically a combination of physical constraints and positive attitude, for the best cases.