Author Archives: rhkirby

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About rhkirby

I run a blog about living without cash. I also run a business about using digital payments and moving the world towards greater efficiencies for the future. This is not hard!

Time for tolerance in this world

It was Edmund Burke, the Irish Whig (liberal) politician from the 19th century, often called the father of conservatism, that coined the phrase:

‘The only thing necessary for the triumph of evil is for good men to do nothing’.

Evil manifests itself through intolerance of people and through prejudice and bigotry against minorities.  It was silence that led to the rise of Nazism in the 1930s.  It was a collective turning of a blind eye in the Balkans in the 1990s that drove the genocide in Bosnia and it is silence from good people that will allow evil to again stride the world stage.

We must call out in a very loud voice what is happening in Australia today.  There are senior politicians that have made deliberate statements designed to create discord in our society.  To drive a wedge between communities. To incite hatred against new migrant arrivals in order to pander to a racist base.  It is the same nationalist playbook used by Trump in the US and can be found in populist movements around the world.  

And yet the political leadership in Canberra is silent.  What does that tell us?  That silence is again taking hold as extremism in its many forms starts to flourish.
Ironically, it is the conservative politicians in Australia leading the bigotry charge, ironic given the strong positions that Edmund Burke, as the founder of conservatism, took against all forms of bigotry during his life.

On the back of the powerful #metoo campaign to protect women, let us go forward with a strong social media voice #notsilent to ensure the voices in the world are very loud and clear.  We, as good people, cannot and will not accept what is happening.

 

Something about AI

I want to talk about an issue that will allow most people’s eyes to be glazed over.  This is AI.  Artificial Intelligence.

The term Artificial Intelligence is itself somewhat misleading.  There is nothing artificial about using data to automate processes more efficiently.  We have been doing it for generations.  The whole construct around the industrial revolution was based on automating manual processes and enabling a subsequent event to occur on a given outcome.  Sure, this was basically one-dimensional, but that was the start of the revolution – whereby we were able to ‘instruct’ processes to do more things on a given outcome: i.e. multi-dimensional.  This led to the information revolution.

So when we now consider AI, what we are really doing is positioning our technology to manage many disparate processes at the same time.  Over time the number of processes become incremental.

We often conflate AI with robotics but that is simply an easy way to explain the processes that are being automated.  What we really need is the overlay of a vision for the future – A(n) I for the future – that will allow us to position our economy at the vanguard of these new technologies.  Australia has the opportunity to take the initiative, deploy our smarts and get this economy onto the next generation footing.  It simply needs our clever people to take the opportunities and reset the economy. An AI economy is one which works incrementally.  It means we can do one thing and the next outcome drives more value into the economy.  It is the true service economy as it means our revenues in the economy are recurring.

To get there requires leadership – to give oxygen to our smart people to believe their dreams.  And ultimately, to get our politicians to dream the dream to make this happen.

We’ve done this before.  Wi-fi was invented by Australians.  CSL is a world leading example of managing healthcare.  There are numerous examples of Australian innovation.  We’ve missed the boat on creating industries driving renewable energy.   Let us get this moving so that our next generation industries are actually Australian industries, generating value to Australia, using AI to create a new set of businesses that create wealth for us all.

It is not hard.

Regards

 

 

Rob

Time to talk again about the politics of hope

My frustration is growing with the political class!

It seems to be easier for those engaged in politics to default to the negative rather than projecting a future vision that requires a longer term view to build on the foundations of our society.  The current participants in our political debate are unwilling to collaborate in building the future and as a consequence we are forced down a path of short-termism to the detriment of us all. Where are the nation building discussions that drive our prosperity? Where are the shared values that ensure all in our society are lifted with the tide? Where are the people that can work together to the benefit of all, with vision, clarity of thought, clear enunciation of purpose?

I think it is time to forge a new political paradigm. To create a new movement that embraces ideas, is forward thinking, socially progressive but economically sound (aka conservative). But above all else we need the politics of the future to be divorced from the corruption of the past. No more vested interests. No more soft donations from people wanting favours. No more policies designed to support those that lobby the hardest. No more ambiguity in our conversations with the people – be up front with us all so that we clearly understand the road we are going down.

Perhaps the best position is one where we all know there are challenges ahead but by virtue of the integrity of the leadership we end up trusting the process going forward. 

When that occurs it will mean that politics is back to where it should be.

Managing the homeless

I met with a visionary today. Someone that is at the forefront of managing the crisis with homeless people in Melbourne.

This person tells me that up to 60% of homeless people in Melbourne are women and children as a result of family violence. Can you believe that?  Why, in this day and age, do we have such an extraordinary failure of our systems that allows this to happen? 

Why do we not fix this issue of domestic violence? 

Why do we still find it acceptable to beat women and children and then allow them to become homeless?

If we could find a solution to this issue then we are halfway there to fixing the problem of homelessness. So why don’t we simply do the right thing and put the money towards getting this right instead of pouring our taxpayers money into a rail line to ship coal from a mine in Queensland to a port in the Great Barrier Reef? Why? 

Time to talk again about the future – because the present isn’t helping! 

So, a lot has been happening recently and I must say, there seems to be some vindication for those that were more positive than those that are of the negative persuasion.

Emmanuel Macron is the president of France.  His party has secured a majority in the National Assembly. All is good in the world of France.

Theresa May got a black eye for calling an election that treated the voters as idiots. Whilst her opponent is undoubtedly a bit too far left, the electorate in the UK at least put in place some markers that will ensure a sensible future around Brexit is now possible.  However, some upheaval will certainly continue.

The USA is a black hole for common sense. Say no more. Just watch this 25 year project for the break up of the United States. It has already started.

In Australia, the climate wars seem to be coming to a close but we still have some serious crazies in the government. The prospect of a continuing ‘freeze’ in the common sense required to get the country onto a growth footing in energy is enough to be a drag on the future of Australia.

So what does this mean? 

Very simply,  we need to lift the vision across the world.

Why can’t we get our collective act together and start to push new horizons for this country. We are Australian. We are innovators and yet we cannot work out how to fix this problem!  Let us just do it! 

The future is here … part 2

I was at a conference in London the other day run by the Economist Group. There was a fascinating presentation by a futurist that suggested any person born today would be expected to live until the age of 150.

Most people take a step back and think – no way!  And yet the idea is not so bizarre.  The reality is that with advances in Artificial Intelligence, robotics and genome technology, there is a general expectation that all diseases as we know them will be eliminated in next 20 years.  No cancers, no viruses, no age impacted diseases related to mental health, etc. The only challenge therefore will be to manage the skeletal structures in old age and other physical breakdowns in bodily parts.  3D printers will fix most of those issues!

It is an interesting development and certainly not without precedence, given the acceleration in life expectancy that has occurred in recent times.  The implications run beyond simple life expectancy through to taxation and pension policies.

So the challenge will be on communities that rely on managing people through their life cycles to ensure this extends into extreme old age and not just the horizons we have expected in the past.

For all of us, though, there is a deeper issue.  How do we plan, contemplate and indeed adapt to these changing horizons?  Do we put our heads in the collective sands and say this won’t happen to us?  Or do we take an active approach towards exploring the future and manage these outcomes?

I think we all have a responsibility to step up to the plate.  Regardless of whether we think change will happen sooner or later, change will happen.  This applies to healthcare in our communities or the broader perspective of climate change and in the interests of future generations we must take control of these issues NOW.

 

The future is here

The purpose of this blog is to start a conversation on issues that are important to us all.  It is not designed to be political, but by its nature will certainly drive political responses. Having said that I want all people of any political persuasion to step out of the current cesspit of global politics and to start engaging in conversations on issues that are important to us all.

I live in Melbourne, Australia and I am a social progressive but I was encouraged by the work of a Sydney based conservative MP, John Alexander @JohnAlexanderMP, who has advocated the use of high speed rail to address the problems of housing affordability.  This is simply a perfect solution to a major problem. It addresses the social issue of mobility in large cities. But it also casts the conversation around enabling people in far flung communities to access the major cities for employment.

All too often, critics try to shoot down high speed rail on the back of a business case that doesn’t quite work out as it is near on impossible to prove the numbers because we can never understand the future.  It is what one futurist, Roy Amara, best summed up as this dilemma:  “We tend to overestimate the effect of a technology in the short run and underestimate the effect in the long run”. In other words, our understanding of change is only related to our knowledge of the present.  It is fundamentally difficult for anyone to gauge the future without knowing the scale of change that will occur over time.  So when we consider technology changes such as high speed rail, automated (driverless) transport, etc, we can only realistically do so in the context of our knowledge of today.

So what I will suggest is that we let the future take hold.  Manage our conversations based on what might be … rather than what we can currently see.

In this context, can you imagine a time when a train will leave Geelong, stop at Avalon,   loop into Tullamarine and then run into Ballarat before heading to Bendigo.  All the while taking people on the high speed (and I mean really fast) journey to their destinations.  Will this let people live in remote locations while at the same to enjoying low cost housing but being able to work in the city?  Too right it will!

How cool is that?

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The politics of hope

I have always been a ‘glass half full’ sort of person but even I have struggled in recent times to remain confident about our future.

As bombast and bigotry become the norm in the political conversation, I am sure many will have witnessed the despair that seems to have become all pervasive. The default position in today’s politics seems to be ‘offend and destroy’ rather than ‘defend and build’.  The new political psychology seems to be based on a conviction that the world must smash the current systems in order to survive and yet that assumes the role of the world institutions has no relevance in our future. Surely it is better to build on what we have rather than destroy the foundations of our society? 

I think it is time to reset the conversation and focus on the opportunities before us. In other words, give the politics of hope a go. I hope that this blog will discuss the successes in our world, will address how we move forward instead of driving down the road fixated on the rear view mirror. In the absence of political leadership it is our collective responsibility to provide that leadership. For we should never lose hope.

Getting to the end of the year without cash

OK. We are moving to the end of the year and I am still running this blog.  I do wonder as I write this story whether I have real support for the conversations I have started.  Now is the time to ask the hard questions. Does this blog resonate?  Does  this conversation mean that you agree or disagree? Are you finding the concepts confrontational?  What is analogue (cash) or digital (not cash)?

So much of the time I get no response. Really?

Are we so embedded with certain processes that we cannot make a call?

Let me ask about India?

The Indian PM recently made a call to withdraw all high denomination notes from circulation, overnight!  How cool is that? He said to all the crooks, the currency manipulators, the black market,  the corrupting industries such as construction, that from this point forward India would be corruption free. And guess what?  He ripped out of the economy a whole lot of cash!. About 30% worth! That is the right way forward.

So I think the PM of India had the right idea. And I think the leaders of all the countries of the world should follow suit. And that being the case, they all would fix the problem about revenue being considerably lower than expected. And as a consequence, we all would be better off as the revenue would be higher and the economy would be better, because all taxpayers would end up paying what they owed. How easy is that?

How nice to be an economist!

Rob

After a while – it is time to post again and I am a bit angry this time.

In recent months, I have travelled through Europe and into the UK and spent time again in London.  I reflect on my ‘mission’ to spend a year without cash and yet it increasingly seems so hollow.  It is simply so meaningless to call out a time without cash when the reality is that we can easily function in this state.  This is not the problem.

I recently spent time at a function arguing with someone about going cashless, when in reality the ‘opponent’ agreed with my position by stating that he did not use cash!  My assumption was that in his industry he was a natural cash converter when the reality was not the case.

However, let me reflect on a challenge that conflicts with my social conscience, and hopefully yours:  I was in New York last week and checked out of the hotel, as you do, many hours before needing to be at the airport.  I left my bags at the hotel porter and went for a lovely stroll around NYC.

It was a very good day in New York and I felt really positive of the time that I was there.  I then realised that I needed to pick up my bags at the hotel and make my way to JFK.  I could not in all conscience pick up these bags and not remunerate that person for the job they had done.  This is a reality of life in the USA.  I had no cash with me (of course). People do not get paid for the job they do and people like you and I end up compensating these people with tips.  It is so inefficient.  It is so degrading.  But it so part of the fabric of American life.  Why?

So despite my principles around cash, of course I did the right thing around the good people looking after my bags at the hotel. I got cash out of the ATM to pay the people that looked after my bags.  And why wouldn’t you?  Except for the fundamental issue around efficiency in business, better employee relations, etc etc … Why is the land of the free and the brave not actually brave at all?

And when we see a debate today about a potential President of the United States that has no respect for anyone free or anyone brave and anyone that is female in this world.  What hope have we got?  None at all is my view but please let us try and start to change this.  Not just for women in this world, but what about all those others that do not get the respect for the job that they do?