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.
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?
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It’s been a while since I’ve had a real rant, but this is going to be one.
So if you need a peaceful start to your week, look away – otherwise strap yourself in.
One of my real worries for the future o f our industry is not AI … it’s our lack of seriousness.
Before I go on, there’s a couple of things I need to clarify.
First, I am not advocating we add even more process, systems, data and/or logic in what we do – frankly, they’re increasingly becoming an obstacle to both creativity and commerciality as they increasingly view audiences [or worse, ‘consumers’] as walking wallets and the only aim is to bombard them at the moment of potential transaction.
Neither am I suggesting we should be treating all we do like we’re saving the planet with high-concept art. There may be cases where this approach is the right approach … but when I say a lack of seriousness, I mean it in terms of how we think about what we do, more than what we actually create.
For years, the ad industries ‘piece de resistance’ – The Super Bowl – has been a car crash for advertising and marketing. An endless stream of contrived, unsubtle – and often, unfunny – sponsored jokes that feature a production line of celebrities who are all willing to destroy their legacy for a dump-truck of cash being poured into their retirement pension plan.
It’s so depressing.
Sure, every year there’s one – maybe two – ads that really stand out. This year, for me, it was Manscaped … an ad that didn’t feature a celeb, had an actual idea and was actually related to the product they make. But even then, was it up there with 1984 … or Born of Fire? Probably not, but it was fun, memorable and – while not related to the Super Bowl per se – was made for the Super Bowl audience’s entertainment. As was Coin Base’s ‘karaoke’ spot … which, in terms of understanding the Super Bowl ‘ad break’ context they were in and the typical US audience mindset in that context … was a clever idea.
Look, I get how much pressure is in a Super Bowl spot. I’ve been there. It’s a fucking nightmare. There’s an almost endless amount of pressure placed on the work as every-man-and-their-dog adds more judgement, demands and mandatories … fearing their multi-million-dollar investment will be negatively judged by a global audience. And they’re right to worry about that … except the one thing they all seem to forget is the ad agency knows how to write and craft a spot better than all the C-Suite execs put together, so maybe if they let them get on with it, they’d have a higher chance of their work being loved rather than [at best] ignored or [at worse] openly mocked for how bad, contrived and/or embarrassing it is – thanks to either a terrible story/idea, endless and meaningless product features being crammed into the spot and/or the huge pointers in the script to make sure audiences get the gag, because they think people may be too stupid to get it. [When it’s more because they just won’t care]
All this data. All these systems. All this marketing science. And we’re actually getting worse.
And while I appreciate ad agencies have a lot to answer for, they’re not the only reason for this decline – but we’re not allowed to say that are we? Oh no.
We’re not allowed to talk about the impact of procurement departments.
We’re not allowed to talk about the lack of respect for marketing in companies.
We’re not allowed to talk about the dehumanization of people in the research.
And while you may think my tone is being influenced by it being a Monday morning, you’d be wrong – because it has nothing to do with it being the start of the week and everything to do with this:
What the fuck?
Seriously, what the actual fuck!?
And no, it is absolutely NOT an April Fool joke … which would still be bad, but make some sort of sense.
I thought the Ritz Cracker ad at the Super Bowl was possibly the worst thing I had ever seen [and if you haven’t seen it, I am so envious of you] … but I was wrong.
Who came up with this?
How the hell did it get through the endless committees, hierarchies and research?
And why – given the big PR announcements – are they so bloody proud about it?!!
Hell, even the infamous Kendall Jenner Pepsi ad had the good grace to only be tone-deaf and stupid for 40 seconds … but this? THIS???
It actually makes me angry. Properly angry.
Angry our industry is associated with it – even though it smacks of something an internal group at the client came up with or an outside agency who wanted to pander for more business. Angry they will claim this shows how much they ‘understand their customers’. Angry they think they’re sooooo clever and smart for it. Angry that an agency either came up with this or didn’t speak up about this. And angry this is what marketing has become.
Sure, we’ve all suggested some radical [read: daft] ideas down the years.
Name changes.
New product variants.
New category extensions.
But more often than not, they’ve either been killed or they’ve been done with a lot more care, craft and reality than this.
Maxwell Apartments?!
Maxwell fucking Apartments?!
What I find even more confusing is that the owners of Maxwell House – Kraft Heinz – have been so bloody good with their communication over the past few years – or at least Heinz have – which is why whoever sold this [or mandated this] should be both promoted and fired all within the same meeting.
And while I’m sure there’s some people out there that think I am being a snob … I have 5 things I want to end this post with.
1 I understand there may be reasons for this work only those involved would know and – if made public – may help explain why this approach was undertaken. [see: Mouldy Whopper]
2 I understand good intentions don’t always turn into good work for of a million different reasons. [So while I get my hatred may sting, it’s because I know no one intended this to happen]
3 I understand different cultures/audiences have different tastes and maybe I’m not either of them. [Though I did work on Maxwell House at Wieden, so I am aware of the brand and its audiences]
4 Ideas tend to represent the standard of creativity, company, colleague and agency that you’ve been exposed to in your life, and this one smacks of people blinkered by data, inhibited by corporate politics and/or residing in an echo-chamber bubble.
5 And finally – if you think I’m being an asshole – maybe if I tell you how I found out about this idea, you’ll realise I’m trying to encourage us to aim higher, because not only does our industry need it, I know we are more than capable of doing it. You see, I learned of this work – which has been in market since Sept 2025 – from watching a ‘news blooper’ … a news blooper where the TV presenters found it so fucking stupid, they couldn’t stop laughing at it. On air. That’s right, people who are paid to keep a neutral face – whether announcing the best or worst of humanity – couldn’t keep a straight face about this. Not because they loved it, but because they were openly mocking it.
Maybe it made sense at the time.
Maybe everyone involved was suffering an unknown illness.
Or maybe they need better people or a better work culture where this sort of thing can be stopped because people can speak up without being put down so you don’t make newsreaders and the World think you’ve left them with the worst possible taste in their mouth.
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Once upon a time, a man – who lived and worked in Newcastle, England – got a phonecall.
When he picked up, he heard a woman with a German accent on the other end, who asked “Are you Brian Johnson?”
He replied in the affirmative, to which the mystery caller said,
“You need to come down to London for an audition next week”.
Now Brian was a singer. In fact he’d once had a hit record with his band Geordie – but now he had his own business fitting car windscreens so it was a pretty left-field call to receive. Still, he was intrigued to which he asked the caller, “Who are you and who is the audition for?
There was a pause before the German voice informed him they worked for a music company – who had to remain nameless, just like the band he was told he had to audition for.
Brian was getting a bit fed-up at this point so pointed out in his thick accent,
“I’m not going all the way down to London for an audition unless you tell me who it is”.
Immediately, they were told that was not possible.
“Can you give me a clue … even if it’s just the initials of the singer or band?”
There was another pause – as if the caller was weighing up which would get them in more trouble: giving them a clue or not having Brian come to the audition – before they said,
“OK … here are the initials of the band, but I can give you no more information whatsoever. The initials are A, C, D, C”
The rest is history.
Brian did go to London and he did audition to replace the recently deceased Bon Scott, as the singer of AC/DC.
He got the gig and the first song he wrote – in fact the first song he EVER wrote – was You Shook Me All Night Long.
And not only did all these songs appear on the first album he recorded with the band, it went on to be the best selling album of the bands career. In fact it get’s even better than that, because the album, Back In Black, sold so many copies it become the best selling album OF ALL TIME [at that time] and even now – 46 years later – still ranks the 2nd best ever seller, with 50 million albums sold.
All this because Brian – through luck and persistence – got a key piece of information that made the difference between him choosing to go down to London or telling some random German female caller to“Fuck Off”.
Now it’s fair to say AC/DC were a known quantity at the time. A relatively successful quantity at the time. But who knows what would have happened if he hadn’t done the audition.
We wouldn’t have those 3 songs for a start … 3 songs that are not just iconic for AC/DC fans, but iconic fullstops.
The point being, one of the most important things you can do, to increase the odds of success is be transparent.
Transparent on where you are.
Transparent on what is needed.
Transparent on who is involved.
Transparent on the facts, timing and money.
Transparent on roles, rules and responsibilities.
Transparent on what the definition of success is.
I say this because there is not enough transparency right now – if anything, we operate in a world of opaqueness, which not only fucks up the potential of what can be created together, but breeds distrust and unhelpfulness.
Sure, things can change.
Sure, not everything may be known at the time.
But the more you hold things back, the more you’re not just fucking others over, you’re fucking yourself.
The greatest demonstration of respect in any partnership is transparency … so if your ego, need for control or fear stops you from doing that, then it doesn’t matter what you claim or who you blame, you’re the problem.
That doesn’t mean everything will fail, but it does mean you’ll never create history.
Or said another way …
If that German woman who rang Brian Johnson way back in ’79 had refused to give him any information on the name of the band she wanted him to audition for – as were their orders – then AC/DC may be a band few people would remember and Brian Johnson would be the graveliest-voiced car windscreen repairer in the North of England.
Of course, there will be some who say if that had happened, we’d never know what we’d lost.
And they’d be right, but they’d also be something else: someone incapable of creating or achieving anything truly significant.
In fact it’s worse than that … they’d be someone incapable of even aspiring to something truly significant and would actively goes out of their way to stop others from achieving it, claiming they’re ‘just looking out for the business’ when really it’s about their fear, ego, power and/or control.
No wonder my dear and clever friend George calls them, ‘commercial assassins and happiness vampires’.
Don’t stop someone finding your Brian Johnson because you think transparency is weakness.
It’s not, it’s rocket fuel.
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Isn’t it funny we talk so much about the environment, and yet we are producing more stuff that fucks the world than ever before?
That said, while companies aren’t great at living up to what they state – humans tend to be far better.
One of which has been our ability to find ways to make food last longer than intended.
Whether that’s been creating mustard to disguise the taste of potentially ‘off’ ingredients through to making stale bread into bread and butter pudding, we’ve always found ways to stretch things out.
Of course, the ultimate nation for food maximization is China.
Now, part of that is because during the Great Leap Forward, people were starved/starving and so were forced to eat anything they could to survive. However, while that time is well gone, the attitude of ‘waste not, want not’ has remained which is why there’s so many recipes across the region that utilize a nose to tail philosophy.
Literally.
I say this because I recently saw Marks & Spencer’s [M&S] in the UK be a bit smart with their sourdough bread.
Rather than chuck the bread out as it starts to go stale … shove loads of garlic butter in them, place them in a fridge and flog them as mouthwatering garlic bread you just have to heat-up before shoving down your throat.
OK, they could have given it to the needy rather than find another way to take every last penny from their customers, but it’s still devastatingly simple. And smart.
They’ve also launched a range of ‘minimal ingredient’ food … which is clever for a whole host of reasons. The first being the increased awareness and desire for preservative free food. The second being it goes off faster, so there’s a good chance people will end up having to buy more when their best intentions to eat it gets scuppered with life etc. Given it is probably even more expensive than the preservative counterpart – I know, paying a premium for less, classic capitalism – and everyone can kinda win with this.
To be fair, I’ve always been quite impressed how supermarkets innovate – they’ve done far more and in more ways than most organisations – but while ‘pre-packaged’ garlic bread is not a new thing [though garlic sourdough loaves is a whole other level] … as is finding new ways to extend old/ugly food … it’s still a perfect example of creative thinking.
It’s also a lesson to the ad industry on how to sell creative thinking.
Because for all the systems, processes, charts and models we love to bang on about, the key seems to be much simpler.
Solve a real problem. [Opportunity] Show why people will really pay for your solution. [Benefit] Make it easy-as-fuck for them to buy [Action]
[including what they have to do at their end to make it happen]
I say this, but I bet there’s still strategists and agencies out there who would still write a 305 page deck to explain this idea …
As I have said before, if the solution feels more complicated than the problem, why the fuck do we expect anyone to do it?
Comments Off on Making Extra Dough Out Of Bread: The Commercial Value Of Repurposing And Making Old, New Again …
Once upon a time, I was asked to help a client based in Thailand.
They were very successful – having made Thailand the most profitable market in the World for their particular brand.
Anyway, part of the project involved a workshop and part of that workshop was about identifying new variants for their product.
So far, so good.
Until I realized they weren’t looking at this to expand who could become a customer of theirs, but how to get existing customers to buy more of what they make.
Even that was OK, until it became apparent they believed their product was so loved, their customers would continually fill their shopping baskets with 3 or 4 different versions of the same product because they just liked the ability to consume it in more places at more times.
In short, they believed the more versions of their product they made, the more volume of products their customers would buy.
Every time.
Forget that people have a finite amount of money.
Forget that people have other bills, items, people to look after.
They believed, if you made it … people would just blindly buy.
It’s the same blinkered approach that some sales organizations have.
Where they believe if one salesman brings in a million dollars of revenue a year, hiring 11 more will mean they achieve 12 million dollars of revenue.
It’s both blinkered thinking and wishful thinking.
Or – as my father used to say – “the expansion of logic without logic”.
I say this because it feels companies are viewing the subscription model in a similar way.
Once upon a time, subscriptions were seen as the exciting new thing for business.
A new way to charge for your products and services … regardless that ‘direct debit’ payments had been around for years.
There were 3 key reasons why repositioning cost as a subscription was so appealing:
1 It lowered the barrier to entry, so it could appeal to more/new customers. 2 They knew that while customers ‘could’ cancel at any time, data showed most wouldn’t. 3 It could, in theory, allow them to charge more per month than their old annual fee.
And they were right, it proved to be a revelation … until it wasn’t.
Right now, everything is seemingly a subscription model.
Food.
Clothes.
Streaming.
Gym and health.
Car purchasing.
But the one that really is making me laugh, are phone apps.
It’s almost impossible to download anything without it being a subscription service.
And that would be OK, except the prices they want to charge are getting out of control.
I recently downloaded a recipe app that wanted $14.99 A WEEK. A FUCKING WEEK.
$60 a month just so I could send it healthy recipes I see on social media and have them all in one, easy-to-access place.
Hahahahahahahahahahahahahahaha.
Sure, it had some features that would make it more convenient than just putting it into a saved folder on instagram … but it sure-as-shit isn’t worth me paying more than it costs me for Netflix, Disney+ and Spotify PUT TOGETHER.
I appreciate everyone thinks their product is the best product.
I acknowledge it takes a lot of hard work and money to make a new product.
But the removal of any ‘human reality context’ – ie: how much money do people actually have available to spend, and the hierarchy of importance they place on the things they spend – is not just stupid, it destroys the potential of good ideas.
Of course, part of the reason for this is because of how tech investment works.
Basically investors want big returns, very fast … so this pushes developers to build economic models based on a ‘perfect scenario’ situations.
For perfect scenario, read: not real life.
So they show things like:
The economic value of the health industry.
The impact of social media on diet choices.
The rise of health-focused products and services.
And before you know it, they’ve extrapolated all this ‘data’ to come up with a price point of $60 per month and said it not only offers good value, but will generate huge returns on the investment in collapsed time.
Except …
+ All this is theory because they haven’t talked to anyone who would actually use it.
+ They probably haven’t identified who they need to use it beyond ‘health seekers’.
+ And they absolutely haven’t understood it costs a lot of money to be healthy and so an additional $60 subscription for the average person is a cost too far … especially when things they use ALL THE TIME – like Netflix [which they already think is too expensive] – is a quarter of that cost FOR THE MONTH.
I get no one likes to hear problems.
I appreciate anyone can find faults if they really want to.
But being ‘objective’ is not about killing ideas – when done right – it’s about enabling them to thrive, which is why I hope business stops looking at audiences in ‘the zoo’ and starts respecting them in ‘the jungle’ … because not only will it mean good ideas stand more chance of becoming good business, it also means people will have more access to things that could actually help them, without it destroying them in other ways.
As perfectly expressed by Clint, the founder of Corteiz …
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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?