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Today's Topics:
1. Re: Is it smarter to have a dumb home? ?We?ve seen clients
unable to flush toilets? (Paul Brooks)
2. Contemporary Banking (Roger Clarke)
3. ICS calendar invitations getting around spam filters
(Tom Worthington)
----------------------------------------------------------------------
Message: 1
Date: Mon, 23 Feb 2026 21:03:16 +1100
From: Paul Brooks <[email protected]>
To: [email protected]
Subject: Re: [LINK] Is it smarter to have a dumb home? ?We?ve seen
clients unable to flush toilets?
Message-ID: <[email protected]>
Content-Type: text/plain; charset=UTF-8; format=flowed
On 20/02/2026 8:51 am, Tom Worthington wrote:
> On 2/19/26 15:13, Kim Holburn wrote:
>
>
> More recently I have been coming to terms with my new smart car. This was one
> of the
> cheapest available, but even so it came with adaptive cruse control, lane
> centering,
> auto braking, and engine start/stop. I avoided the next model up, as that had
> even
> more things which beep. At present I am trying to make the start/stop less
> enthusiastic, as it turns off the air-conditioner at traffic lights, making
> the car
> hot.
FWIW, electric drivetrain cars don't suffer from start/stop engines, and in
mine at
least the air-conditioning is a heat-pump design that runs independently of the
drivetrain (theres no rotating thing attached to an engine driving a
compressor) so it
keeps running regardless, and can be turned on while the car is parked and
otherwise
off, cooling the car up to 30 minutes before I get in.
Some progress does make things simpler and easier.
Paul.
------------------------------
Message: 2
Date: Tue, 24 Feb 2026 09:05:11 +1100
From: Roger Clarke <[email protected]>
To: link <[email protected]>
Subject: [LINK] Contemporary Banking
Message-ID: <[email protected]>
Content-Type: text/plain; charset=UTF-8; format=flowed
You have to laugh at the over-claiming made by corporates.
How CBA unlocked 90 percent of its customer and transaction dat
Payoffs from SAP modernisation laid out.
Ry Crozier
itNews
Feb 24 2026 6:47AM
https://www.itnews.com.au/news/how-cba-unlocked-90-percent-of-its-customer-and-transaction-data-623796
> Commonwealth Bank?s SAP-based core modernisation last year has
unlocked about 90 percent of all its customer, account and transactional
data, which it now hopes to harness for deep personalisation and
behavioural banking.
The consolidation of silo'd data in banks was trumpeted in the late
1970s, with CBC being the first to make the claims, and the others
following over the next 5-10 years.
https://en.wikipedia.org/wiki/Commercial_Banking_Company_of_Sydney
And you have to laugh about the marketing term "deep personalisation".
Leaving aside 'private banking' for the wealthy, there's no personalised
service on the bank's side, and no sense of the customer as a person.
In the era of 'digitalisation', they rely entirely on the 'digital
persona'. But 'deeply manipulative management of customer behaviour
through a rich digital persona, abusing the original purpose of the data
passing through the banks' systems' doesn't have a good ring to it.
In case evidence is sought for 'manipulative', here it is:
> " [fast processing of lots of data] ... allows us to do things like
customer-based pricing, which requires millions and millions of
recalculations every day to determine what is the best price for a given
customer segment.?
With 'deep persona-isation', it's a customer 'segment' of 1:
https://rogerclarke.com/EC/DSE.html#MP
Here's another wow! factor, in this case dating to the late 1990s:
> ?Previously, someone would make a payment and then they'd have to
refresh the screen to see their balance update. Now that happens
straight away.
And here's the seer's vision:
> ?We?re imagining what the next decade of agentic banking might mean,
and experimenting with Bedrock and AgentCore around what capabilities
that will give us to deliver more hyper-personalised behavioural banking
[and] intelligent experiences to our customers,? Davies said.
I can't wait (literally) for "hyper-persona-ised behavioural banking
[and] intelligent experiences".
____
Roger Clarke mailto:[email protected]
T: +61 2 6288 6916 http://www.xamax.com.au http://www.rogerclarke.com
Xamax Consultancy Pty Ltd 78 Sidaway St, Chapman ACT 2611 AUSTRALIA
Visiting Professorial Fellow UNSW Law & Justice
Visiting Professor in Computer Science Australian National University
------------------------------
Message: 3
Date: Tue, 24 Feb 2026 10:08:17 +1100
From: Tom Worthington <[email protected]>
To: "[email protected]" <[email protected]>
Subject: [LINK] ICS calendar invitations getting around spam filters
Message-ID: <[email protected]>
Content-Type: text/plain; charset="utf-8"; Format="flowed"
In the last few weeks I have noticed an increasing number of calendar
invitations, in the form of email with ICS attachments getting trough my
spam filter. I mark each as spam, in the hope the filter will learn, but
a few a still getting through each week.
--
Tom Worthington http://www.tomw.net.au
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