Wednesday, 20 May 2026

A Marketing Miss?

We’ve been acting (on behalf of the elderly owner) as “palliative carers” for an elderly dog (13 years plus) who recently passed away.

 

She’d been taking a pharmacy-full of pills and was also prescribed three different tonics for other different ailments.  In the end, we realised these were doing little more than prolong her (poor quality) life and that was even if she’d take them. 

 

For the meds that were in pill form, there wasn’t usually a problem in crushing them up and mixing them in with her food.  However, they had to be crushed up very finely.  If you just put the pill in whole, she wouldn’t eat! 

 

The problem came with the tonics.  They were brown in colour, so discoloured the food .  They also had a distinctive smell.  If dog spotted that they’d been added to the food, she wouldn’t eat it.

 

I know that often with small children (and even some adults) “nasty tasting medicine” isn’t something we enjoy taking.  The pharma companies have made efforts to disguise unpleasant tastes or smells without affect affecting the healing properties of the medication.

 

My question is, “Why can’t we do the same for animals?”  Their sense of smell is far superior to that of humans, so it’s easy for them to detect a foreign object in their daily meal.  The stronger the smell, the less likely they are to eat the food it’s being mixed with unless they’re really hungry.

 

There are those who’d say that it’s not worth making such an effort for animals, but when we think about the place they occupy in our lives, anything that makes it easier to alleviate their suffering is surely a good thing.

 

How many times have we encountered situations in our business where a simple change to a product or service makes it far more acceptable (and even desirable) to customers?  At times perhaps the cost of making that small improvement isn’t worth it and that’s fine. But if a small cost is offset by a huge increase in let’s call it “acceptability”, it’s worth it.


Is our business “missing a trick” because someone thinks it’s “not worth it”?



I deliver change in markets ranging from the most developed to “emerging” economies. With a wealth of international experience in international financial services around the world running different operations and lending businesses, I started my own Consultancy to provide solutions for improving performance, productivity and risk management.  I work with individuals, small businesses, charities, quoted companies and academic institutions across the world. An international speaker, trainer, author and fund-raiser, I can be contacted by email

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Wednesday, 13 May 2026

Too Much Time...?

As leaders, apart from “strategic thinking”, we spend much of our time dealing with people and people issues.  

 

Something that’s become very clear to me over the years I’ve led people is that if one spends too much time discussing a particular worker, there’s potentially a problem.

 

It doesn’t matter whether one’s discussing face-to-face or just spending time thinking.  The point is, too much time is being devoted to one person and we may not be getting the best return as it takes us away from more important strategic issues and the other people we work with.

 

Worse, if others perceive but there’s a problem as well, it impacts morale and reduces productivity.

 

One of the more unpleasant tasks of leaders is disciplining a team member who’s not “doing their bit”.  Often, they’re doing the work they’re meant to (and even doing it well) but this doesn’t stop there being an issue.  It just makes it more difficult to counsel them when the issue is personality rather than productivity.

 

Gorick Ng - a coach that I follow regularly - distinguishes between three key areas for performance which he terms the “3 Cs”: 

  • Competence (being able to do the job)
  • Commitment: (wanting the job and wanting to do it)
  • Compatibility (“fitting in” with one’s teammates and the organisational culture)

Generally, when there’s a problem, it’s usually in one of these areas. 

 

Somebody may be committed and compatible, but not competent.  This can be resolved with coaching. 

 

Equally, they may be perfectly competent and compatible, but that “vital spark” seems to have disappeared (commitment lacking).  Here, there may be a reason: were they passed over for promotion? Are they unhappy with the latest bonus or salary increment?  Are they having problems at home?

 

Whatever happens, a properly conducted one-to-one session may highlight the problems and suggest solutions. 

 

Finally, they may be competent and committed; they just don’t “fit in’ for whatever reason.  This isn’t always something that can be resolved through coaching, although one-to-one sessions may help.  The question here is: why were they hired if they didn’t fit?  The answer is either that the interviewer or interviewers thought they would fit in or something else may have happened after they were hired into the team.  Were they, for example, transferred from one team in which they fitted perfectly into one that was different?  Is it a case of simply moving them to another team and/or manager?

 

Assuming these options are open, they need to be tried.  Unfortunately, in some small teams or businesses the only choice is to speak to the person concerned, state the problem in the most succinct and acceptable way, and see if they wish to find a resolution.  The final option is that they leave the business which then means that they have to be replaced.

 

At times, the team leader and/or the team may feel that the proverbial pain of the final solution is worth it.

 

Interestingly enough, the person concerned often knows that something’s wrong if they’re not feeling committed to or happy in the team.  They just don’t know how to go about addressing the situation without a hearing.  In this case reaching out to them may make all the difference.



I deliver change in markets ranging from the most developed to “emerging” economies. With a wealth of international experience in international financial services around the world running different operations and lending businesses, I started my own Consultancy to provide solutions for improving performance, productivity and risk management.  I work with individuals, small businesses, charities, quoted companies and academic institutions across the world. An international speaker, trainer, author and fund-raiser, I can be contacted by email

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Thursday, 7 May 2026

Failing to Plan?

Two countries attacked a third at the end of February 2026. The business lessons we can learn are: 

  1. Define the goal: the purpose of doing anything is to accomplish something.  In this case, there was a degree of uncertainty in what the goal was.  It was separately described as: destroying that country ’s missile capability, destroying their nuclear enrichment capability (which had, apparently, being “obliterated” in 2025) and to destroy its navy.
  2. Without a clear goal, we can’t plan how to get there.  This is somewhat like asking a builder to build us a house but not providing any plans specifying how many floors it should have, construction materials, number of rooms, fixtures and fittings and so on.
  3. The what/why/when/how/where/who?   Some may recognise these as Rudyard Kipling’s “Six Honest Serving Men” but they help to define all parts of a strategy.  Without them, we tend to flail around.
  4.  Contingency planning: in this case, allies in the region and further afield were hit by drones targeting both military and civilian installations.
  5. How will we know when we’ve achieved success? A gain, without a clearly defined goal and measurable steps to achieve it, we don’t know if we’ve succeeded or not.

For someone who claimed to be one of the world’s most successful businessmen and dealmakers, it’s surprising that the head of state in question didn’t follow these steps, resulting in leadership and economic chaos.

 

As business leaders, our job is to set direction with clear goals to achieve our desired objective.  Yes, that objective can change depending on circumstances, but with proper contingency planning, we can adjust to those changes and still achieve what we set out to do.

 

Our second job is to empower our people with the correct knowledge, tools, financial resources and any other that they may need to achieve that goal.

 

The third is to monitor progress, intervening where required to move things along. 

 

Finally, when we “get there” we need to lead the celebrations!



I deliver change in markets ranging from the most developed to “emerging” economies. With a wealth of international experience in international financial services around the world running different operations and lending businesses, I started my own Consultancy to provide solutions for improving performance, productivity and risk management.  I work with individuals, small businesses, charities, quoted companies and academic institutions across the world. An international speaker, trainer, author and fund-raiser, I can be contacted by email

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Monday, 27 April 2026

"I Don’t Do Clocks…"

A contact who invigilates exams for school-age children told me that, during an exam, a student who needed to know how much time was left said “I don’t do clocks,” when the clock on the wall of the exam hall was pointed out to them.

 

The “boomers” are coming up to retirement or have already retired.   I’m guessing that the student in question was doing at least their GCSEs and would therefore have been from the end of the “Gen. Z” era or perhaps even “Alpha” generation.

 

What fascinated me was that this student is clearly of “that generation” that grew up with more exposure to digital timekeeping and, possibly, don’t wear a watch as their smart phone has a clock!  This tells us more about how we ‘re developing as humans rather than that the younger generation are somehow “deficient” because they can’t read a 12-hour clock.

 

Is this a typically “first world problem”?  How many students of the same age in what are called the “developing” countries of the world are lucky enough to have a smart device in their home, let alone own an analogue (12-hour) watch?

 

I see plenty of jokes about how to confuse this age’s children by putting them in a room with a rotary dial phone and provide instructions how to use it in cursive writing.  Yes, there’s a degree of fun or irony in such humour, but it nonetheless illustrates that society has moved on.  How many of my generation would know what a “mangle” is (for those interested, it’s a device that was used to squeeze water out of clothes that had just been washed before the invention of the tumble dryer)?

 

Equally who knows what a “dumb waiter” is?  The answer: a miniature lift that communicated between the basement kitchen and the dining room of wealthier houses “back in the day”.

 

Society will continue to develop with time.  If it didn’t, we’d still probably be living in caves and wearing animal skins.

 

Yes, it’s sad to see that young people these days may not know how to use a 12-hour watch or clock, but I bet they could ring run rings round many of us on social media and ChatGPT usage!

 

Conclusion: understand (even if you don’t like it) that they’re different and that they have skills that “our generation” will never fully master.

 

Much has been said, written and discussed about the “generation gaps” present in our society. We have the “Silent Generation” (those who survived WWII), the “Baby Boomers” (those born between 1946 - 1964).  After them came “Gen. X” (1965 - 1979), “Gen. Y” (1980 - 1994), “Gen. Z” (1995 - 2009), “Alpha” (2010 - 2024) and last, but not least, “Beta” (2025 - 2039). Each has its own characteristics which were the subject of two articles in February and March 2024. 



I deliver change in markets ranging from the most developed to “emerging” economies. With a wealth of international experience in international financial services around the world running different operations and lending businesses, I started my own Consultancy to provide solutions for improving performance, productivity and risk management.  I work with individuals, small businesses, charities, quoted companies and academic institutions across the world. An international speaker, trainer, author and fund-raiser, I can be contacted by email



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Monday, 20 April 2026

Start As You Intend to Continue

Something my colleagues and I noticed in one of the organisations in which I worked was that, if somebody was “difficult” during the onboarding process, they were likely to be difficult throughout the relationship.

 

I can’t say if this was a case of “correlation” as opposed to “causation”, but what I can say is that we very often found this to be the case.

 

We all understand that different organisations have their own “way of doing things” and that, if we really wish to deal with them then we have no choice but to accept.  There may become a point in time, though, when the phrase “enough is enough” springs to mind when we realise that the amount of effort involved to begin or continue that relationship is simply not worth the returns.

 

This applies whether one is the organisation “onboarding” someone or the one being “onboarded”.

 

Sometimes, we may have no choice, especially if dealing with monopoly providers, governments or other regulatory bodies on whom we depend for the continuation of our business or some service that no other organisation can provide.  There have come points in time, though, when we decided in various organisations in which I worked that it was better to terminate the relationship than face the increasing costs of dealing with that counterparty.

 

Everybody needs their “bureaucracy”, especially where processing high volumes of material to deliver uniform services across a large body of customers.  In the end though, such complexity costs the organisation in terms of money and resources to manage it as well as its clients or counter parties.  At a time when business conditions are becoming increasingly challenging there’s a risk that we may lose business to bureaucracy. As business leaders, we need, where possible, to ensure that our process it: 

  • Result in the service we say they should.
  • Are easy to use.
  • Provide an enjoyable if not fun experience.

Doing this will result in increased productivity from our own people as well as growing and repeat customer satisfaction.



I deliver change in markets ranging from the most developed to “emerging” economies. With a wealth of international experience in international financial services around the world running different operations and lending businesses, I started my own Consultancy to provide solutions for improving performance, productivity and risk management.  I work with individuals, small businesses, charities, quoted companies and academic institutions across the world. An international speaker, trainer, author and fund-raiser, I can be contacted by email

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Monday, 13 April 2026

“We Can’t Afford to Lose…”

Do you have one of those “amazing people” who just seems to know everything, do it all, work long hours, never say no to anything, is vital to the business?

 

If so, how much falls on their shoulders?

 

How “vital” are they to the organisation in terms of their institutional knowledge, their customer knowledge, the trust that organisation leaders place in them, being a “backbone” of their function or the organisation?

 

If you can name someone like this in your organisation, you have a potential leadership issue coming up.  This doesn’t mean there’s competition for the top slot (far from it!) The problem is that this person may be rapidly burning out and will leave at the worst possible time simply because they can’t “take any more”.

 

Laurie DeSalvo suggests several remedies in LinkedIn to make sure that:

 

The organisation retains that person and their knowledge/abilities.

Reduce the number of hours they work. 

Build relief into the team.

Give that person space to lead instead of always “firefighting”.

Reduce risk.

Improve decision-making.

 

If leaders are “drowning”, they don’t need extra “coaching” or to be told to “prioritise better”, let alone “push more for just a little longer”. DeSalvo points out that the descriptions given above are not about performance, they’re about capacity.  To quote the famous line from the film Avatar, “It is hard to fill a cup which is already full.”

 

As leaders, it’s our job to spot these “critical people” and to ensure they have the real support that they need.  Yes, there’s a cost in hiring an additional person to support them.  The question to ask, however, is, “if we don’t do this now and pay the price, what will the cost be to us if this person leaves?”

 

Different people have different limits; as leaders, we need to be able to spot them.



I deliver change in markets ranging from the most developed to “emerging” economies. With a wealth of international experience in international financial services around the world running different operations and lending businesses, I started my own Consultancy to provide solutions for improving performance, productivity and risk management.  I work with individuals, small businesses, charities, quoted companies and academic institutions across the world. An international speaker, trainer, author and fund-raiser, I can be contacted by email

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Tuesday, 31 March 2026

I Don’t Understand What You Do

This was the phrase a recruitment agent (or “headhunter”) used with me once.

 

Thanks to my varied international leadership background, I didn’t fit into any one neat little “box” that they could relate to.   I’d run retail banking operations, middle office operations, trade finance operations, worked in HR and also as a corporate lending manager.  I’d overseen correspondent banking relationships for Asia and worked in an investment bank on the client management team.  Before all that, I’d been a ships agent in the South of France!

 

I’d worked in nine different countries, each with its own separate culture leading teams there.  To be honest, I don’t think these poor people had ever encountered anyone with the same experience before!

 

No wonder they were confused!

 

At the time I thought it was their job to work out what I was good at and could offer to others. 

 

No.

 

After having run countless CV writing and interview sessions where I tell my delegates that quite often, they have to “make it easy to understand them”, I realised that I’d failed to understand where the recruiting agent was coming from.  Their job was to match up the right candidate with the right job. 

 

What they needed from me was what I felt would be the right job.  I had plenty of transferable skills, but people want to know where those skills will help them.

 

I don’t think any “headhunter” ever refused to meet me (some even called me out of the blue!) but I understand now why they found it difficult to “place” me.   I needed to help them understand what I could do better.  That was on me and I didn’t realise it at the time.

 

As people go through either the job hunting or interviewing process (either as an interview or interviewer) we fail to understand the other person’s position.  Interviewers want to know, quite simply, whether we will help their organisation succeed in its goals and it’s up to us to understand the organisation, the industry in which it operates and its goals through diligent research.  Knowing this, it’s far easier to relate our past experience and our current skills to what the employer may need in our view.

 

One of the best pieces of advice I was ever given by one of my university tutors was, “Always assume that the person reading your essay is an idiot,” he then added with a grin, “especially if it’s me!”

 

Those words have stuck with me ever since.  He didn’t mean that I should assume I was more intelligent than anyone else but rather that sometimes people think in different ways and need help understanding another person.

 

I now understand better where I went wrong and can help others overcome this in their job searches or when they’re interviewing others.  It’s taken time but I can now pass that hard-learned lesson onto others.

 

 

 

I deliver change in markets ranging from the most developed to “emerging” economies. With a wealth of international experience in international financial services around the world running different operations and lending businesses, I started my own Consultancy to provide solutions for improving performance, productivity and risk management.  I work with individuals, small businesses, charities, quoted companies and academic institutions across the world. An international speaker, trainer, author and fund-raiser, I can be contacted by email

 

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