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Author: Jimmy Morgan

Jimmy Morgan

To acquire in-depth customer understanding and re-imagining business processes, I have led and directed research for a range of global financial organisations.

- CRM systems for Toyota Financial Services and Ford Credit; 

- Intranets in retail fund management for Fidelity, Prudential, Sun Life & Zurich

Are banks benefiting from poor usability?

The average overdraft charge of $35 on an average overdraft of $36 amounts to an annualised interest rate of more than 5,000%! Is this part of the banking sector's revenue business model?

How much of it could be avoided with user experience improvements?


Is Facebook free?

Image One

Should I be pleased that  I've been selected by Facebook to have the news feed permanently fixed to top news? 

Does it mean Facebook thinks that I only need to bother myself with the sort of people who are so interesting, that lots of other people are commenting about what they write?

Or have the 1984 throwbacks realised they can squeeze more cash out of us by watching what we do when they encourage, er force, us to only read the stuff that other people are already talking about?