This weekend I spent several hours reading a thesis on the implementation of CRM Customer Relations Management. The graduate student had done thorough research both by digging through the multitude off available journals on the internet and conducting surveys within the branch office that gave him his thesis subject. The regional office did not walk in pace with the crm plans from headquarters. What caused the delay in implementation and how could this be turned around?
As a regional office choices had allready been made and headquarters had decided that Siebel was the software that would facilitated the crm strategy.

While reading the thesis it became more and more clear how brilliant the Siebel organization does it’s own CRM. They have created a self fulfilling prophecy by setting up a network of hundred so called partners who spread the message. They actually established a complete Siebelisation but how does that work?
The moment a company decides to implement Siebel as crm instrument Siebel becomes THE equivalent of CRM within the company. It starts by handing the Siebel software to the IT department. Next everybody that is involved, one way or another, with customer contact has to get access to the software and has to start entering information into Siebel. It is like this new employee called ‘Siebel’ enters the firm. From the top it is promoted that this new colleague is THE solution for future business, more revenue, higher service levels. All the things the existing employees were not able to establish so far will become true with this ‘Siebel’. but Siebel is not a new employee even though it’s name is spread and introduced like one. Siebel is a direct colleague from this other guy that runs the company sometimes but does not appear in the face book and phonelist, ‘Murphy’.

the exiting thing is that the management expects that all the hardworking employees start sharing their valuable customer knowledge with this new guy ‘Siebel’ but they do not know exact what Siebel will and can do with the information nor do they know what the management and Siebel have made for exact plans. Will Siebel braindrain us and will we loose our jobs?
Whenever I come in a situation where I have to implement a crm system and it turns out that Siebel is THE ultimate toolbox to fulfill the plans I will definitely NOT Siebelize the company. I will come with another approach that makes clear from the start that Siebel is not the solution for success neither the excuse for failure. Siebel is just an instrument to make people perform better towards customers and facilitate customer intimacy like we all know so well when we meet it every now and then when we are customers ourselves.

Disruptive 5: Energy Peer-to-peer

Will peer-to-peer technology revolutionize the energy world?
YES. All signs are pointing in that direction. With energy prices going up, power suppliers fighting each other to the bone saving money on operations and maintenance and endangering the reliability of the supply chain al conditions are there to create a furtile  ground for revolution. Who can we trust? Ourselves.

The first signs are there that an energy peer-to-peer revolution will take place before I retire (42 now), and we will be part of it, step by step.

Step 1: Become an energy peer
How do you become an energy peer? As long as the storage of energy remains a problem the first step to become part of the energy revolution is to start producing your own energy. In a lot of countries implementing solar panels and building community- or private windmills is subsidised. Stirling microturbines generating electricity using the same warmth generated in you HR central heating system. 
The moment you can generate your won electricity you have set your first step in the enxt peer-to-peer revolution.

Step 2: Delivering electricity back to the net 
For those who generate more energy than they need, delivering back to the system is an option. imagine the energy meter go into reverse and the power company putting money into your account in stead of the opposit. But

Step 3: Storing your abundant energy
Once technology has improved to store your home brewn abundant electricity the world will turn up side down. Around the world research and development are rappidly advancing with fuel cells and. Storing energy is only a matter of years before it becomes available.

, is enerated and through powerline distributed energy becomes  insufficient because ones you can store energy you can start step 4 distributing.

Step 4: Peer-to-peer energy distributing
the moment every household, every business, every farm can generate and store and deliver electricity on demand the electricity network will have to be refitted. How do you prevent network overload or hickups.

Will this happen. Yes. 
Just imagine the efficiency advantages. Only generate what you need and if you generate more you store. If you have more then you can store start your own powerpeer and deliver on demand to those demanding.

Technological problems are there to be solved. It’s a logical next step for the inventors of napster and skype,  currently working on peer-to-peer commercial television joost to find a new challenge in a smart electric peer protocol.

Power to the PEER.

House for sale near Amsterdam with office (ZZPer basis)

Working in Amsterdam or working and living in Zaandam.polderview.jpg
For people that work in Amsterdam or want to live close to Amsterdam but want to work and live in the country without loosing all the convenience of a city, Zaandam is the ultimate place. 

With a floorplan that is perfect for an office at home and the comforts of a royal nice, watershore located family home this house offers a perfect combination. 

Come see to quality of building and enjoying the marvelous view and quality of living with great views over the country.

Check ReMax Zaandam:
Serenade 31: click here

10 minutes from Amsterdam 
great house with marvelous views
Check ReMax Zaandam:
Serenade 31: click here

Peer-to-peer disruption III: Bye bye bank

After turning the music- and telephony industries upside down, peer-to-peer technologies are moving into the financial markets. The principle is simple. Accept the fact that there are two kind of people. The people that zopalogo.gifzopalogo.gifhave money and the people that need money. In the old days we would think that people at the bank are the people to turn to for money but not in the internet era. Today everybody that has money can ask for it to anybody that has it and smart internet applications form the virtual middleman.One step back before we speed ahaid. 

What do music, telephony and money have in common?
They are all stored in bits and bytes and they are distributed over the internet. By using peer-tp-peer technologies new ways of lending money are introduced and we all become our own banks.

Peer-to-peer banking big business zopalogo.gifzopalogo.gif
Back in 2005  Zopa was the first to surface on the internet. They started their lending site in the UK. The Zopa founders understood that money business is all a matter of trust, networks and computers. Zopa explains itself as: “the world’s first social finance company“. They pioneered a way for people to lend and borrow directly with each other. They thought it there mission to give people around the world the power to help themselves financially at the same time that they help others. Zopa’s makes money from charging borrowers an exchange fee of 1%. If borrowers take out repayment insurance on their loans Zopa receives commission from the insurance provider. Lenders aren’t charged by Zopa. This revolutionises the financial world as the big margins banks charge are wiped out.

zopalogo.gif   logo_prosper.gif   smava_logo.gif  booer-logo.jpg

That this was not a whimp from some idealistic programmers. In july 2007 the estimated number of peers involved in lending was 1.3 billion. Zopa has not been lonely as Prosper (US),  Smava (German) and the Dutch Boober offer like wise services. In China, well known for copying, PPDai launched in july last year. For a quick course in chinese lending figure who is having money and who aint?


P2P lending changes slightly from country to country but enters a very different market in the People’s Republic. In China personal credit ratings are virtually non-existent, making lending to strangers riskier business. PPdai therefor primarily aims to standardize and facilitate loans between family and friends, which are more common in China than personal loans from banks.

The banking world is next in line to meet innovative technologies that bring the power to the people or better take the money from the people to the people without banks in between. And the banking industry is working hard to loose it’s trust espcially with US and French banks blundering billions of dollars simply down the drain. Whow saving were in those banks.

Disruptive markets, next week the disrupted media world.