ISVs and Future Proofing Your Payment Integration

Here is an excerpt from a blog post I wrote this week for the payment processor Clearent.

When a consumer walks into a store or browses an online ecommerce site, very little thought is given over to the “paying” part until the time comes. At that moment, a fast and convenient point-of-sale or checkout experience helps create a positive memory, raising the loyalty factor a little bit. But a less-than-ideal transaction, caused by long lines, a failed tap, or a shopping cart page that crashes and burns, steers the shopper to the competition. No one has time to wait for a reboot or to listen to apologies.

The expectation and the requirement are that the payment system be up-to-date. For that to happen, the merchant and its ISV must be future-proof. What’s the best way to future-proof something as complex as payment integration?  The answer is right in front of you, in the apps inside your phone and your tablet.

To learn more, visit our most recent blog, “ISVs and Future Proofing Your Payment Integration” available right now at CloudTweaks: go to


How to Buy and Hold Bitcoin

Show Notes From CoolTimeLife Podcast Episode 15

Everyone wants to know about Bitcoin these days. It continues to defy the odds and the pundits to keep climbing ever higher. Do you feel you’re missing out? Well, it might too late to get in on the ground floor with Bitcoin, but it’s not too late to start understanding how to buy it and how to hold onto it. There are many more cryptocurrencies out there as well. In this short ten-minute podcast, I talk about how to buy bitcoins, and the difference between wallets and exchanges.

  • To listen to the podcast, visit my Blubrry page here.
  • Check out my professional blog posts dealing with Bitcoin, cryptocurrencies (I hate that term!) and blockchain technologies at the investment and wealth website
  • Choose a Wallet by checking out the selection at
  • Check out some useful exchanges for buying and holding Bitcoin and other currencies. Be sure to do your homework first, to ensure the rates and terms of any exchange match your requirements.
  • A great review of Canadian Bitcoin exchanges is available at
  • Great resources for learning about Bitcoin include

Bitcoin and crypto investment is risky and volatile, and really requires your daily attention. Don’t forget I am always available to speak to your group or association on how to understand cryptocurrencies and blockchain technology. Check out my speaker page for more details.

The Shift from Monolithic to Microservices: What It Means for CTOs.

The shift in application development strategies is moving from monolithic design to isolated and resilient components known as microservices. As a result, applications that were designed with platform entanglements such as database and messaging layers have become more complex and costly to operate and maintain. This provides new challenges to CTOs, who must stay aware of the most dynamic, cost-efficient, and secure methods of managing their company’s data, while navigating the inexorable slide toward a microservices economy.

Mike D. Kail, CTO of Security-as-a-Service firm, points out that “with the rise in popularity of Docker Containers, there is an associated belief amongst many that by simply moving an application to leverage containers instead of virtual machines or bare metal, that you then get microservices by default.” But, he says, “that is certainly not true.” Microservices is an architectural pattern, and containers can be part of the technology using that pattern, but containers remain a “thing” while “microservices” is still a “notion.” This pattern can be used to either re-factor an existing application, or more easily leveraged for greenfield initiatives.

Central to the popularity of microservices is the ability to overwrite or replace an individual component without taking down the entire application, leading to less downtime and faster deployment or redeployment of software into an operating environment. Immutable infrastructure also helps with overall security as an APT can be rapidly mitigated by “refreshing the deployment”. This is also a concept shared by microservices – a modular and agile codebase, each part maintained by individual teams.

Microservices is an approach that is still evolving. It is a process being spearheaded by some of the biggest players in the business, like Walmart, Amazon, and Netflix. It is a technological ideal intended to ensure an organization’s ongoing agility and flexibility. This in turn allows faster and more intelligent response to immediate market demands like volume spikes in online shopping or movie watching.

Microservices need not be small, as the term “micro” might imply, but each service is dedicated to a single task or process. This allows for the components to be taken offline and edited, rebuilt, or replaced, without having to take an entire application down with it. This in turn allows for improvement on the fly, with less scheduled downtime, which leads to better business continuity.

The switch away from monolithic applications to collections of compartmentalized or containerized components seems to offer a much more practical approach to managing application development. They can be scaled separately and deployed as needed. They can be designed and programmed separately using different platforms or languages. And testing becomes more affordable, targeted, and frequent.

So What Problems Do Microservices Pose?

According to JP Morgenthal, Managing Editor of Microservices Journal, as applications get decomposed into microservices there arises a range of challenges around managing the sprawl. “In short,” he says, “no one knows the whole picture. They only know what’s wrong with their part.”

He points out that the previous generation of monolithic applications were expensive to maintain because of the high degree of entanglement of the components. Changes required more complex releases and longer testing cycles, yet at the same time, their design fostered simpler operation using fewer components.

“But as we move to polyglot microservices that leverage existing cloud services and are much more elemental, we still see an increase in the number and types of things that impact applications. This in turn increases complexity on the operations of these applications.”

What’s the Diagnosis?

Morgenthal highlights a need for greater involvement of developers in the cycle, specifically, full stack engineers and site reliability engineers. “The factors and attributes associated with design of microservices further increases complexity due to the way data management changes and the nature of discrete transactions.”

Wanted: A New Approach for CTOs in Managing Microservices

The very thing that makes microservices a more practical application development practice – compartmentalization – leads to an incomplete management perspective. “There is now a more urgent need for end-to-end management – something that has never truly existed. We need to break down the silos between organizations and departments, and we need to move from reactive to proactive. This would be the nirvana of modern applications management,” says Morgenthal.

This puts the role of the CTO in a new, indispensable light, as someone who must take complete end-to-end ownership of an application’s life cycle, encourage communication, and understanding across all teams and timelines involved, and be capable of knowing the entire process.

Mike D. Kail of, himself a CTO, adds more. He states, “I believe that the role of the CTO is more relevant today than ever. As with Digital Transformation, every company is becoming a technology company. The modern-day CTO needs to have the technical chops to drive the overall product/platform vision internally and the soft skills and business acumen to drive outward facing initiatives as well as communicate effectively and clearly with the other C-suite peers.”

Overall, the challenge of establishing full end-to-end management of microservices resembles the typical left-brain/right-brain dynamic of a living corporate entity. The logical processes of developing and refining a highly versatile and compartmentalized application need to be balanced with a refined approach to human communication within IT-Ops, upwards to senior management, and outwards to those who will ultimately benefit from it. This requires a blend of political acumen and technological know-how, something that will make CTOs more visible and indispensable as the microservices trend continues to expand.

What Is Ethereum And How To Buy It?

I write for the finance and investment website ValueWalk and I posted my commentary entitled What Is Ethereum And How To Buy It? there today. Here is an excerpt:

Let’s start by getting the terminology straight. Ethereum is an open source code designed primarily to govern smart contracts on the blockchain. A smart contract is any contract between parties, especially those that lack a level of trust or credit rating. An example may be the sale of fair trade coffee. How would a wholesale purchaser know the coffee is fair trade? They would feel much more confident if the entire coffee production and preparation process was verified and incorporated into a smart contract that itself is sealed immutably inside a block on the blockchain. Ethereum allows developers to build their own apps on its open platform.

Part of the Ethereum code is Ether, described as the fuel that makes the contracts work. It can also be seen as a currency of sorts, and may emerge as a competitor to, or even replacement for Bitcoin, depending on how the lava flows. Ether is presented in coins, and can also be referred to as an Ethereum coin.

To read more, please visit ValueWalk here.

Those Annoying LinkedIn Reminders

A short while back I read a comment on LinkedIn concerning those “annoying” work anniversary reminders. The complaint was about LinkedIn jamming people’s inboxes with needless reminders that “nobody reads or cares about anyway.” The comment had thousands of “likes,” suggesting many other people feel the same way.

But hold on a second. There’s so much reason to read and care about these notifications, if you just take a moment to to consider who they are there for. They are there for you.

These anniversary/achievement announcements provide each of us with a reason to reach out and reconnect with a person in our networks. Don’t forget: your personal network of the people you know, trust and respect, and who feel the same about you, is your greatest career safety net.

Too often the people we meet in the course of business fade away through neglect. We are all too busy to keep in touch, go to events, have lunch with people in a proactive manner. It all seems like a huge waste of time. But it is these people who provide leads, references, guidance, mentorship, and maybe even that next job opportunity for you or someone in your family. Your network is a net. No one should work without a net.

Those Notifications are for You, not Them

When an anniversary notification appears, either on the LinkedIn home screen, in your in-box, this is your chance to say “hi” once again. To keep the memory of you alive in the heart and mind of that individual. By sending them a quick heartfelt message (not just clicking the “Like” button, but an actual message), you are acknowledging that person’s dignity, hard work, and achievement. Even if they themselves have forgotten that it is their “5 year anniversary,” your reminder will touch them on an emotional level and will mean a great deal. As the expression goes, it’s not what you do with people, it is how you make them feel, that counts the most.

If the person whose work anniversary it is, is someone you don’t know, then they either a.) should not be in your collection of contacts; or b.) should be contacted in order that you get to know that person better. It is the Achilles Heel of LinkedIn that you can connect with anybody and everybody, for that is not its purpose.

Your Little Black Book

The value of LinkedIn is in the pedigree of your contacts. Every person you connect to should be someone you know, trust and respect. Someone who you would recognize if you met them on the street. Someone you would gladly shake hands with. LinkedIn is not a phonebook. It should not be a directory of every person you have every encountered or who has asked you to connect. LinkedIn should be your little black book, consisting of those people who are special to you – people with whom you have a great history.

If there are people in your collection that you do not know, then they should be pruned out of there, or improved. Not left as anonymous, meaningless people.

When these people mean something to you, the notifications will no longer be annoyances, clogging your inbox or screen. They will appear as what they should be: opportunity knocking. They represent a chance for you to quickly refine and add value to that most important of career assets: your network.

This is an excerpt from my book, Cool Time: A Hands-On Plan for Managing Work and Balancing Time. If you would like a copy, hop on over to my Books page. If you would like a workshop at your location, or if you would like to attend a live webcast, check out the details at my company, If you would like me to come and speak to your group, contact details are available on my Speaker page. If you would like to listen to my podcast, check it out here. Either way, you will win back time and money. It’s just practical common sense.

Why Must Digital Audio Book Titles Expire?

Listening to audiobooks is a pastime enjoyed by many. It has never been more practical, given the range of wireless devices that an individual can now use. We are no longer tied to the CD drive in home stereos and cars. They re-open the universe of the written word to people of all ages, most of whom are too time constrained to invest in an actual book, but who can easily delve into a chapter or two while commuting or exercising.

One would think this renaissance, in which authors’ works are converted to wireless, professionally narrated pieces of immediately accessible art, would be embraced by book publishers as an opportunity to balance the effects that digital media has had on traditional bookstores.

Yet, for public access, draconian and seemingly archaic licensing laws continue to exist.

Case in point: I recently downloaded an audiobook from my local library, which subscribes to a national downloading service. The book arrived inside my phone’s app within seconds, and soon thereafter I was enjoying the title, listening to it through my car’s Bluetooth connection as I drove. Ah, the wonders of the wireless world.

Books become Pumpkins

Unfortunately, the publishers who made this title available to me through the library, allowed me only one week to listen to it before the licence expired. So exactly one week later, while I was still barely halfway through the book, the file had turned back into a literary pumpkin, on the outside of which was a sternly worded message reminding me to delete the now unplayable file from my phone’s memory.

My question is “why?” Why must there be such a short expiry period on a digital property? Why should there be an expiry date at all? I understand, if you borrow a book from a library, then no-one else can access that book until you return it. But this is the digital age, people! Digital files can be replicated infinitely with no adverse effect on the original.

On hold? For What?

Oh yes. And then there is the HOLD. There was another book that I was interested in downloading, but it was on hold. On hold? For what? There’s nothing unique to hold!

I understand that publishing companies are in the business of licencing books, ostensibly to guarantee revenue for their authors. I know this first hand, being a published author myself. I know also, that, as with all artists, we sit at the bottom of a very large inverted pyramid, and tend to get paid after all the middlemen have taken their share. Hmmm. Could that have something to do with it?

The point is, libraries, booksellers and book publishing companies are looking to protect their revenue streams amid an ocean of digitally accessible everything. But does withholding a title actually generate the type of scarcity that will guarantee a queue of patient, obedient title-borrowers? Especially when some enterprising individual might see fit to upload the entire audio track to YouTube so that everyone can listen to it without delay?

Or is their protectionism a holdover from a pre-digital age, in which supply and demand could actually be controlled by publishers?

Monetize the digital marketplace

My feeling, as both an author and as an avid listener of audiobooks, is that there is more to be gained from changing the model: make library titles infinitely available. Guarantee their quality. Make your free product better than the knock offs, and capitalize on spin-off activities, such as directing happy listeners to purchase related titles through sites like iTunes. Heck, I would be happy even to put up with a sponsorship, such as “This audiobook is being brought to you by ABC company.” Sponsorships could easily be rotated – such is the nature of digital media. It is much easier to modify than, say, typeset ink.

Ultimately I feel the publishing industry has much more to gain by adopting a more modern approach to monetizing the omni-channel marketplace than the current dusty old licencing program. Maybe they have started to do so, but it certainly does not seem to be working at the library. If there was ever a perfect “try-before-you-buy” environment, the national library system certainly would fit the bill, and would continue to bolster the existence of publishers and libraries alike.

The Future of Meetings

This blog post was originally written for HP’s Business Value Exchange and was posted at

Meetings have been a scourge on business productivity for many decades. British comedy genius John Cleese released a corporate training film back in 1976, entitled Meetings, Bloody Meetings, which not only became an instant classic, but spawned a sequel in 2012. The problems inherent in meetings are timeless and universal. And sadly, they take up way too much time. But things are changing.

A combination of factors now places the traditional meeting on the endangered species list. People no longer have the time or patience that they used to, and for the new generations of employees and managers who have grown up with sophisticated video gaming and unconstrained access to online resources, a tedious one-hour or longer meeting often fails to prove its worth. When that happens at the outset, engagement is sure to evaporate.

We have moved well past the era in which the only way to share ideas with a group of people was to corral them in the same room. Numerous options now exist from the good-old teleconference, to multi-screen video chat, through to virtual meetings using VR tools; but this leads to a conundrum: how important is physical presence to the efficacy of a meeting?

Many of us have participated in tele-meetings where Internet-based video conferencing– was available, but in which the participants still chose not to use the video component, opting solely for voice. For small meetings, this might be due to shyness or vanity – we don’t always look the way we want to, especially when working from home. There is also something decidedly disturbing about the “downwards glare,” where inexperienced video conference attendees look at the onscreen images of the other participants, rather than looking into their own camera. This creates an immediate sense of disconnection between people and points to the importance of eye-to-eye contact during discussion.

In multiple participant teleconferences, additional frustration comes about through the lack of body language cues, especially in regard to the rhythm of an actual conversation. We use facial or body gestures to signify comprehension of a point, as well as to signal our desire to speak. Such subtleties are lost when the visual component is missing or inadequate.

This does not mean that virtual meetings should not happen – they should. In fact, they should happen more often, since they save enormous amounts of time and money, and can actually be more productive than their analog counterparts, in most cases. What is critical is that the chairperson of a virtual meeting delivers and enforces an updated set of rules that ensure optimum behavior and synergy.

Firstly, if a company has access to a high-end video telepresence setup – using good video cameras and a bank of screens showing the other participants, then book this well ahead of time. These types of premium virtual meeting rooms are generally available in large organizations with numerous offices locations. They are not available to everyone, but they are worth it, since they offer the chance to see other people as if they were sitting across the table from you, and the 3D sound and video quality is generally superb. When these are not available, a phone or VOIP teleconference can do just as well, but the rules must be adjusted accordingly.

  • Go for “visual” whenever possible. Humans place greater trust in people when they can see who they are dealing with. They can also read body language cues, and frame the dynamic of the conversation accordingly. Instruct participants to spend a few minutes preparing, prior to the call. This doesn’t mean calling the stylists and makeup artists in, is simply means just allowing adequate light and establishing a desired visual look.
  • If video is not possible or not desired, then ensure photos are available. This could be as easy as inserting participant’s pictures on the meeting agenda (sent by email or posted in a meeting space.) A photo is a more controlled version of a person’s image, and although it does not allow for visual cues, it still flavors the dynamic of the conversation in a more human way.
  • Set up a system for side chats. It is very disturbing when people need to make a side comment while another person is speaking. Whispering is impossible on a conference call, but texting is easy. Whether this is done through an onscreen conference hub, or just texting to each other’s phones, this is an essential component of meeting dynamics that reduces interruptions while boosting synergy. It can also be used as a way of “raising your hand to speak,” by texting the chairperson from miles away.

There will always be some occasions which necessitate pulling people physically into a room for a meeting, but these are becoming fewer and fewer. The technology exists to bridge the obstacles put up by distance, time and money, but what is needed now is a revised mindset, that focuses pro-actively on the dynamics of human communication, and curates the available technologies to achieve the meeting’s intended goal. This way, Mr. Cleese will not have to make another sequel in 2018.


Uber’s Surge Pricing Model And Free Market Economics

This blog post, written for KPMG , entitled, The Surge Pricing Model And Free Market Economics is available for review at This post proposes that the dynamic nature of pricing under the Uber model might work in surprising ways for B2B purchasers who do not update their procurement processes.  Click here to read.


Amazon Pay-per-page: Books-as-a-Service?

This blog post, written for HP’s Business Value Exchange , entitled No Longer Doing It by the Book: The Rise of the As-a-Service Industry is available for review at This post discusses Amazon’s policy of paying authors by the number of pages read, rather than by number of books sold. It only applies to the Amazon library at this point – not retail – but does it signify the beginning of an industry change? Click here to read.


The Bitcoin-Blockchain Centerless Economy

This blog post, written for HP’s Business Value Exchange , entitled The ‘Centerless’ Economy is available for review at The post proposes that the engine behind BitCoin, called the BlockChain, will have a huge impact on every area of life that involves transactions and records – which means pretty much everything. Click here to read.