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September 02, 2008


Petri I. Salonen

Hi Tomi,

I just received your book "Communities Dominate Brands"... I run into it last week when doing a workshop for a client (in my research). I am in the process of writing a book about software business models (my latest book Onnistu suuressa maailmassa was published by Talentum) to the international marketplace... Your comment about Bank of America... I live here in the US (the last 10 years) and BOA has been my bank all these years.... I hate to tell you that they have been one of the slowest to develop customer friendly service. OP Bank in Finland had better client interfacing apps when I left Finland..... This is just a view of a client...

Tomi T Ahonen

Hi Petri

Thank you for the comment. And good point. Finland has tended to be first in most areas of information technology, and was for example the first country to issue banking debit cards back in the 1970s on nationwide banking networks etc. Also being the first to deploy mobile phone based banking services - I saw ads for it in some of my research to the beginnings of mobile phone services, so Finland had very rudimentary m-banking already commercially launched (via SMS) as far back as 1995, so you are perhaps comparing American banking somewhat unfairly, ha-ha.. Any country would tend to be backwards if you take specifically banking and mobile innovations, and then compare to Finland ha-ha..

But its good feedback for us here, thank you. In particular as you have personal experience with Bank of America. I personally have no experience with them, even when I lived in America, I lived in New York City and banked with the local banks, Citibank and Chase Manhattan.

I am sure you are correct in that BOA has been slow to adopt any customer friendly services. But, perhaps, this latest innovation is a sign of them attempting to turn that corner. Or perhaps, it is an accident in timing, that might allow them to change; or perhaps, it is a case of utter frustration by the customers, who hate the service, and use the Dot Mobi site to bypass the bad service..

Nonetheless, there is innovation happening, whether by design or by accident, and whether led by the bank or its customers ha-ha.. I think in any case, that is a good thing, don't you agree?

Thank you for writing

Tomi Ahonen :-)

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nnovation happening, whether by design or by accident, and whether led by the bank or its customers ha-ha.. I think in any case, that is a good thing, don't you agree?

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    Tomi Ahonen is a bestselling author whose twelve books on mobile have already been referenced in over 100 books by his peers. Rated the most influential expert in mobile by Forbes in December 2011, Tomi speaks regularly at conferences doing about 20 public speakerships annually. With over 250 public speaking engagements, Tomi been seen by a cumulative audience of over 100,000 people on all six inhabited continents. The former Nokia executive has run a consulting practise on digital convergence, interactive media, engagement marketing, high tech and next generation mobile. Tomi is currently based out of Helsinki but supports Fortune 500 sized companies across the globe. His reference client list includes Axiata, Bank of America, BBC, BNP Paribas, China Mobile, Emap, Ericsson, Google, Hewlett-Packard, HSBC, IBM, Intel, LG, MTS, Nokia, NTT DoCoMo, Ogilvy, Orange, RIM, Sanomamedia, Telenor, TeliaSonera, Three, Tigo, Vodafone, etc. To see his full bio and his books, visit Tomi Ahonen lectures at Oxford University's short courses on next generation mobile and digital convergence. Follow him on Twitter as @tomiahonen. Tomi also has a Facebook and Linked In page under his own name. He is available for consulting, speaking engagements and as expert witness, please write to tomi (at) tomiahonen (dot) com

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