Filed under: A Bit Of Inspiration, Advertising, Agency Culture, Attitude & Aptitude, Australia, Brand, Communication Strategy, Conformity, Creativity, Culture, Emotion
John Dodds sent me this a few weeks ago:
LLMs reward clarity and credibility. Your brand language should be concise, benefit-led, and evidence-backed. In a world of agentic commerce in which AI mediates consumer choice, trust shifts from being a feeling about a brand to an attribute of its data.
Why he sent it to me is unknown, but he has been doing that for decades and I always appreciate it.
However the key for me in what he sent is specifically this bit:
‘Trust shifts from being a feeling about a brand to an attribute of its data’.
There’s 2 reasons for that:
The first is people are more likely to connect to a brand based on the quality of their understanding on who they are interacting and/or engaging with [ie: the data they hold on the needs/wants/desires/loves of their audience].
Second is it’s pretty much always been the case.
It’s why there’s brands people know and there’s brands people go out of their way to have in their life.
It’s also why there’s arguably been a reduction in the amount of brands that people ‘love’ – probably because instead of focusing on who they are, who they’re for and what the culture around their category is doing or care about, they’ve fallen for the lowest common denominator, paint-by-numbers, repeat-for-every-category-and-audience, self-interest, outsourced-for-profit schtick of ‘guru’s’ who have never built, worked for or created communication for brands that people adore and care deeply about.
Or said another way …
Here’s another example of someone championing ‘new’, without realizing they’re just rehashing the old. Probably because they don’t know it, understand it or know what to do with it to make it magical rather than just even more functional.
The old adage I always return to is this:
If you want people to give a shit about you, maybe start by giving a shit about them.

Good News:No blog post today as there’s a national holiday for Anzac Day.
Bad News: Things return to ‘normal’, tomorrow.
Filed under: 2026, A Bit Of Inspiration, Attitude & Aptitude, Australia, Bank Ads, Brand, Brand Suicide, Clients, Comment, Confidence, Context, Corporate Evil, Corporate Gaslighting, Customer Service, Finance, Loyalty, Management, Marketing, Marketing Fail, Perspective, Relationships, Reputation, Service, Standards
So, I have been a customer of ING Bank in Australia, for over 30 years.
THIRTY.
Given I have moved countries so often, I have had to update my country of residence many times – so when I received an email in December, asking me to ‘check my information’ for the banks legal requirements, I took it all in my stride.
Unsuprisingly, my information was – having updated it when we moved to NZ – was up to date and when I confirmed, I got a notification telling me all was good.
So imagine my surprise when in January, I received this …

I have no idea why my ‘document’ was not accepted, when [1] at the time it said it was and [2] it is the same one they have had on file for years – but I went to the website, as they requested, to provide another only to find this when I logged in.
ACCOUNT INACTIVE.
The bank, without letting me know in advance, had frozen my bank account.
Ice cold. Can’t access my money. Can’t spend my money.
What the actual fuck?!
To make matters even worse, they didn’t have any place where I could ‘update’ my information and so I found myself on hold for THREE HOURS.
Now, I appreciate there is anti-money laundering rules that need to be maintained but there’s 3 things I don’t understand.
Why did they freeze my account before asking me for other paperwork?
Why wasn’t my paperwork accepted given it has been fine for decades?
Why don’t they get their own shit in order before bullying their customers …
What do I mean by that last point?
2018 Dutch Settlement:
ING paid €775 million to settle charges with the Netherlands Public Prosecution Service for allowing clients to launder money for years, citing serious flaws in their counter-terrorism financing systems.
Systemic Failures:
Prosecutors identified instances where accounts were used for illicit activities, such as a lingerie trader laundering €150 million, which the bank’s systems should have flagged.
Regulatory Action:
The Dutch Central Bank oversaw corrective actions, and ING accepted responsibility, vowing to improve compliance.
Executive Liability:
While the large fine resolved the organizational charges, Dutch prosecutors later dropped criminal cases against former executives, including CEO Ralph Hamers, due to insufficient evidence for criminal liability, though they noted insufficient steps were taken.
2025:
ING faced new scrutiny in early 2025 over its role in a case involving former EU Commissioner Didier Reynders, with investigations into whether the bank failed to report suspicious activities related to him.
Other Jurisdictions:
ING Spain also received a fine in March 2025 for serious AML failings.
Yep, the bank that wants its customers to comply with money laundering rules has consistently failed to comply with money laundering rules … except where mine was a paperwork issue, theirs was an illegal activity issue.
Financial institutions consistently like to present themselves as ‘caring about their customers’, but the reality is the vast majority only care about themselves and their richest customers.
In that order.
Is it any surprise so many people are turning to things like bitcoin?
Sure, the risks are high but at least there’s a chance you could strike it rich whereas with so many financial institutions, they use fees, interest rates and access to keep so many exactly where they are.
Or worse.
Now I appreciate I am generalizing here.
I get many of the people who work in banks are decent people who are caught in the same situation as many out there. [And the person I dealt with at ING was very helpful and understanding … even when I took her through all of ING’s ‘mistakes]
But when people feel they are forever being spoken at, rather than listened to … there’s a point where people have as much interest in financial organizations as they offer their customers.
Which, according to a letter I received from ANZ Australia, is 0.01%.
The banking system operates on trust and confidence. What a shame those principals don’t extend to how banks see customers. Especially customers who have never done anything wrong for 3 bloody decades.
Well, ING lost one today.
Not because they wanted more paperwork from me but because they made a decision – that could have had a huge impact on me – without even discussing it with me. And if they can do that over a relatively minor issue, which – let’s not forget – their system had told me was ‘upto date’, then why would I ever believe I can trust my money is safe with them?
Filed under: A Bit Of Inspiration, Anniversary, Australia, China, Dad, Death, Family, Jill, Love, Mum, Mum & Dad, My Childhood, My Fatherhood, Otis

I think my Mum would be strangely happy that I almost forgot to write this post today.
And I did … only realizing last weekend today was the 11th anniversary of my Mum dying.
It’s not even the first time this has happened …
So how come I nearly forgot today – one of the worst days of my entire life – and why do I think Mum be happy about it?
Well, let’s do the practical reasons first …
I write this blog weeks in advance and so sometimes I don’t even think about the date they will appear, I just load them up to be automatically put out. That said, I’ve never nearly forgotten when it is Dad’s anniversary … however that’s a bit different to Mum’s in so much as he died in mid-January and so that tends to be one of the first posts I write every year, coming out the festive holiday season.
But that’s more of an assumptive rationale …
The fact is both my parents blessed me with an amazing childhood and upbringing. I’ve written so much about them over the years – from their endless encouragement to their demonstration of what love really means – and the loss of them was, without doubt, the hardest and biggest challenges I’ve ever had to face and deal with in my life.
But Dad died first – 16 years before Mum – and while I’d experienced the death of people close to me before, that was the one that was the most direct in terms of impact, importance and shock. It meant it took me years before I could think of Dad as the Dad I grew up with … rather than the person he became after his stroke robbed him of who he was and how he was.
But Dad’s passing opened up the ability for Mum and I to talk about death … and we did. A lot.
Not in an ‘impending doom’ kind-of-way … more in terms of the reality of what we’d faced and had to accept and learn.
It meant this was very much top of mind when Mum was going in for her operation. Maybe not spoken about openly, but definitely something that was in eachother’s minds. In fact, it was only after Mum had died – when the operation to extend her life, sadly failed due to a childhood issue that had gone undiagnosed – that I discovered just how much Mum had been thinking about it.
That she had written me ‘notes’ in case the worst happened – featuring information I’d need to make organizing her estate easier – is still one of the most powerful demonstrations of unconditional love I’ve ever seen. Though it still breaks my heart how she must have felt writing them – knowing that she was having to face her own mortality, on her own, while I was on the other side of the planet.
That said – as I wrote the morning she died – we’d found a lovely rhythm in the final few years.

We’d always had a wonderful relationship but there was a period where a few niggles had entered our interactions … nothing much, just a little tension caused by me wanting to take care of her and her wanting to fiercely protect her independence and have me look after myself and my future more. But we’d got past that by realizing both us were coming from a place of love … so we made allowances for each others needs, which meant she let me put money in her bank account every month and I didn’t mind that she never spent a penny of it. Haha.
And while the days leading up to her death will be forever burned in my mind, my memory of Mum has never been stuck in that period, like it was for Dad for all those years. I don’t know why but I’m grateful for it.
Maybe it’s because I became better equipped emotionally after Dad died?
Maybe it’s because Otis was born 3 months before Mum passed and so that period was consumed with happy thoughts throughout that time?
Or maybe it’s because I’d seen Mum a lot before she died – every month for 6 months or so – and so saw the impact of her heart condition on her health – meaning it was less of a surprise to me, even though I thought the operation was going to make things better?
Who knows … but while today will always be significant in my mind, it’s not the main thing that immediately comes to mind. Instead I think of the conversations we had when I came to visit … the pasta she would lovingly make for me … the look of happy surprise on her face when I turned up unannounced from Australia … the tennis she’d play with me on the patio in the back garden in summer when I was a small kid … the joy on her face when she learned she was going to be a Grandma … the stories she would tell me of the films or comedians or concerts she’d gone to see … the quiet contentment we felt when we were in the same room together, even if nothing was being said.
I think of those things WELL before anything to do with her dying.
I think of her grace, her kindness, her love, her curiosity, and her compassion.
I think of how much I wish she could see the grandson she never met, but adored.
I think of how she will never know I lived in America and back in England and now NZ.
I think of how she would react to Bonnie. [And the news of Rosie]
I think of how she would react to ‘healthy me’.
I think of how lucky I was – and am – to be able to call her my Mum.
And that’s why, I am sure Mum would be happy that I almost forgot to write this post …
Because it means her memory is alive and present in my life and that means she achieved what she hoped for most in her life.
That she was a good Mum.
And she was. And still is.
I miss you Mum. I hope you’re with Dad, holding hands.
I love you.




