Protect Your Job & Strengthen Your Career Amidst Changing Technology

Uncategorized Jun 15, 2019

We’ve all seen it happen: An older worker, salt-of-the-earth type, been with the company forever and respected by all, is let go. Sometimes it is called “downsizing”, other times a “reorg” or “restructure”. One factor is almost always the same: The person let go has more gray hair than the people who remain.

This person, optimistic at first, learns that the job search experience is full of frustrationsilence is the most common response to their job inquiries. Or, worse, on the occasions a company shows interest, they are eventually told they are “overqualified”. Worst of all, well-meaning friends and relatives tell them: “It’s ageism. It’s a young person’s game today. Maybe you need to lower your sights and start over.”

Simply said, it does not have to be this way.

Here’s why: I handpicked my successor as CEO of my fintech startup and was eager for my next opportunity. After all, I...

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Fintech The Disruption of Your Money

Uncategorized Jun 01, 2019

Fintech (technology supporting financial services) remains a popular area for startup activity and funding. The areas encompassed by fintech include wealth management, insurance, lending, mortgages, real estate, money transfers and remittances, capital markets, payments and billing, personal finance, reg tech and cryptocurrencies. While the hot area(s) of investment in fintech shift back and forth, the enthusiasm for fintech deals and funding continues to grow. The disruption of your money has begun! 

Financial services incumbents are a natural target for disruption by changing technology and new business models. This industry is encumbered by numerous stale business models and practices that make the individual consumer cry out “There has got to be a better way!”


After a career in financial services, my personal experience may offer insight as to why innovation by financial incumbents occurs slowly:

  • Culture: Large incumbent financial services firms like to...
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The Mobility Revolution: Getting There as a Data-Centric, Connected User Experience (UX)

Uncategorized May 15, 2019

One of the most amazing things about the Digital Age is its “convergence”, that is, how digital technologies and new business models blend together to create new products and services. Sometimes, the change is interesting, but limited in impact, such as Uber combining ride-sharing and food delivery to create UberEats. 

Other times, however, the potential impact is dramatic and profound. 

An example of a dramatic and profound impact is how our existing modes of transportation are transforming into “Mobility” or “mobility as a service” (MaaS). The result is that, in a Digital Age, mobility becomes a data-centric, connected User Experience (UX). Matt Cole provides an excellent definition of mobility that describes what is happening while also highlighting the primacy of the user experience (UX): 

“Mobility is a combination of public and private transportation services

within a given regional environment that provides holistic,

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Think Big, Start Small, Scale Fast & Always, Always Focus on the User Experience

Uncategorized May 01, 2019

I recently had a meeting with two senior executives at a very well-respected firm located in Austin TX. These are my favorite kind of meetings: The topic of the meeting was how to do something together that makes a “Big Impact”. And, by Big Impact, we mean that this project would have a significant positive impact on their company, their specific area of the business, their clients and their client’s clients. A win that helps everyone up and down the line. Lastly, by extension, and unspoken, the Big Impact would also help advance their careers in this company.

So, now that the cards are on the table, how do we proceed? These are two capable executives who have successfully implemented projects throughout their careers. But, as they confessed, given they want to create a first in their industry: A webinar-based educational Path to Digital Savvy, they faced two challenges:

1. They were not the most Digital Savvy people to begin with; and
2. Building an educational...

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Gradually, Then Suddenly, Then Gone: Why "Fast Follow" is a Path to Doom in a Digital Age

Uncategorized Apr 15, 2019

One of the things I enjoy as an author is that I get to talk to a lot of senior executives about their business. As you can imagine, I naturally steer the conversation to their digital transformation strategy. 

Sometimes, we get into great conversations about what the cutting edge is and where it is going. Other times, my jaw drops to the floor in exasperation. For example, I had a recent conversation with an executive that I have a great respect for, but who told me: “Well, we do not know where digital transformation is heading. So, our plan is to wait until it is clear and then be a fast follower.” 

Then came a second statement that caused my jaw, again, to hit the floor: “Yep, we are great at execution and we will respond to digital disruption with full force.” 

My response is best summarized below:


Most business executives who do not comprehend the true nature of digital disruption have these assumptions:

  • The resulting change will...
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15 Questions Digital Savvy People Ask in an Interview (And This is How They Get Hired!)

Uncategorized Apr 01, 2019

Most people, in an interview, emphasize their experience, accomplishments, honors and education. After all, a person should rightfully be proud of who they are and what they have accomplished. Therefore, it appears to make sense to focus on these areas in an interview, sprinkle in a few questions about the company and its competitors and conclude, at the end of the interview, “That went well!”

Unfortunately, the idea that most of this interview is backwards-looking usually never enters their mind. It is only after never hearing back from the company again does one begin to suspect something went wrong, but this silence does not enable a person to pinpoint exactly what went wrong. In fact, it is likely that the questions this person did NOT ask is what ruined their chances. Worst of all, no one will tell them this. In the end, sadly, this person is certainly qualified, but probably still unemployed.

It appears to make sense to focus on these areas in an interview,

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Does Ageism Squelch Entrepreneurship?

Uncategorized Mar 15, 2019

I walk into the Capital Factory, a start-up incubator in downtown Austin TX, on a Tuesday afternoon. The first thing that strikes you is the incredible energy in the place. In many ways, this is a marketplace of new ideas, but the ambience resembles a Middle Eastern bazaar: Lots of noise, movement and energy as people and ideas fly back and forth. The second thing that strikes you is that this is a young crowd. The old 1960’s hippie adage “Don’t trust anyone over 30” seems in vogue. People older than 30 are rare – they must be the mentors who help the young entrepreneurs. In fact, to a Silicon Valley crowd, 35 is the age where founders, in entrepreneurial terms, are considered over the hill!


The old 1960’s hippie adage

“Don’t trust anyone over 30” seems in vogue.


An afternoon at the Capital Factory would lead you to believe that entrepreneurship is a young person’s game. The media plays up this stereotype by...

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Here's Good News: It's Not Ageism, It's You!

Uncategorized Mar 01, 2019

Sometimes, one must title their blog and then duck, or they might get hurt. What do you mean it’s not ageism, it’s me? And, how in the world is this good news? The blowback can be pretty harsh, but you can’t solve a problem if you cannot properly define it. And, I am speaking from my own experience, my own denial, my own pain and my own coming to grips with a new understanding.

Define your Digital Savvy starting point with a FREE

Progress to Digital Savvy Quiz at


Thus, I stick to my title. And it is Good News! You see, many people over 40 (and especially over 50) see ageism is a major threat to their careers and livelihood. Others over 60 are just trying to hang on until retirement. Somehow, during this experience, those claims that 50 is the new 30 don’t ring true. It’s not a pretty sight when a company lets an older person go. This person may face extended unemployment, underemployment, having to start over and worry about...

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Needed: An Actionable Definition of Digital Transformation

Uncategorized Feb 15, 2019

A good definition provides a clear picture of what an asset or concept is (and, by extension, what it isn’t). It is something you can cut out, tape to the bottom of your computer screen and stare at every time you feel you are losing your way. The best definitions are prescriptive, not descriptive, and provides actionable insight.

I struggled with the definition of digital transformation as I was writing my book on digital transformation, Winning in the Digital Tornado. I traversed Wikipedia, technology publications, management consultants and respected bloggers, but could not find a definition that placed its finger on the essence of this term. Yet, it was only as I approached completion of my book that I began to realize the flaw inherent within the existing definitions. My journey, however, was enlightening:

The best definitions are prescriptive, not descriptive,

and provides actionable insight.


Here is where I and many others begin: Wikipedia, who provides this...

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