By Art Gillis

Eight days into my New Year’s resolution and I’m on track. That qualifies me to tell others what their resolutions should be.

1. Build new automated processes by throwing out the old concepts. Start by asking, “What are we doing here?" not, "How did the old system work?” In the 50s, new systems were designed as if the 80-column punched card was never going to disappear. Some bank systems today start as a customer enters the branch. But in many cases the branch is the customer’s home.

2. Eight years ago, Internet applications were developed by geeks and nerds. Today, normal people who are not geeks and nerds use the Internet. So they can’t adapt to the culture. What we need today is the humanization of the Internet. A sort of “for the people, by the people.”

It seems perfectly normal to throw away a PC after using it a couple of years. But we keep our bank systems for decades as if nothing changed.

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