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Credit Management magazine April 2018

The CICM magazine for consumer and commercial credit professionals

The CICM magazine for consumer and commercial credit professionals

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TECHNOLOGY<br />

pretty basic and rarely worked properly.<br />

Computers were no exception to the rubbish<br />

tech rule of the 1980s and back then we were<br />

certainly easily amused. During Christmas<br />

1983, changing the colour of my screen<br />

from cyan to magenta on my Commodore<br />

16 was perceived as the absolutely height<br />

of technical sophistication and if you could<br />

make it automatically flash between the two<br />

colours you thought you were destined for<br />

great things! We called it technology but to<br />

my eight- and six-year old sons it seems only<br />

one up from fire and inventing the wheel!<br />

They think Dot Matrix is a Great Aunt!<br />

As basic as it may have been we still<br />

spent hours upon hours being told by the<br />

grey box that there was a ‘syntax error’<br />

or the ‘string is too long.’ These days of<br />

waiting for things to load (sometimes I<br />

would have my tea while I waited!) hang<br />

long in my memory. If my Father reads this<br />

I am sure he will remember how 80s Tech<br />

brought anguish and anxiety to 80s families<br />

trying to help their frustrated children. He<br />

would spend ages trying to fix that syntax<br />

code for me just so I could go ‘ooooh’ at a<br />

coloured pentagon for a few minutes before<br />

I got bored!<br />

TANGIBLE ADVANTAGES<br />

However, as basic as that all seems, there<br />

were the tangible advantages of learning<br />

some skills from this early technology. To<br />

achieve those fairy steps in technological<br />

advancement you had to actually use your<br />

brain, which would mean working through<br />

something and then enjoying the fruits of<br />

your labour when you got to the end of your<br />

programming task. As Heinz used to say<br />

when selling its ketchup in the 80s ‘the best<br />

things come to those who wait’ and believe<br />

me it did and it does. We sometimes would<br />

cheer when something actually happened on<br />

that computer!<br />

The point is that back then you had to<br />

understand a set of rules and be able to apply<br />

them to get your reward, a bit like practising<br />

law which is what I do. Practice of course<br />

makes perfect. Doing a task which requires<br />

a degree of thought forms and fuses the<br />

synapses in your brain until the familiarity of<br />

experience eventually turns a beginner into<br />

an expert - which importantly for business is<br />

a person you could turn to when things get<br />

confusing or require a judgement call to be<br />

made.<br />

What concerns me massively is that I am<br />

witnessing a silent shift in the way in which<br />

we all work and we are watching it float by<br />

us, hoping it won't cause any harm. Nobody<br />

has realised that every expert was once a<br />

beginner and AI certainly hasn't figured this<br />

bit out! The modern-day advantage of having<br />

access to libraries of online information and<br />

tools to work quicker and more efficiently is<br />

currently failing, in my opinion, to defeat the<br />

negative outcome of a worker’s opportunity to<br />

become an expert as described above. It is also<br />

damaging the worker’s positive experience<br />

of work, which is a crucial aid to learning. I<br />

mean whoever did well at school in a subject<br />

they didn’t enjoy! To get the most out of a<br />

workforce they have to enjoy what they do and<br />

the monotony of repetition AI tends to create<br />

will not achieve this goal. Dumb it down with<br />

AI and your workforce will switch off so you<br />

have to find a balance.<br />

EXPOSED SITUATIONS<br />

A junior worker's ability to be exposed to<br />

situations where their neural pathways<br />

become deeper as their experience and<br />

exposure to solving their particular set of<br />

bespoke work problems is very important<br />

but this opportunity is quickly diminishing<br />

faster than ever because all this technology,<br />

we are hell-bent on convincing ourselves<br />

must be the answer without questioning it,<br />

is reducing those important opportunities to<br />

learn. It is happening in every sector - not just<br />

law and credit where I work. The opportunity<br />

to master something is not as present as it<br />

once was and instead of having that precious<br />

time to wade through the treacle of a problem<br />

and wrestle with it, it seems that the T1000 is<br />

taking workers by the hand and tip-toing with<br />

them across their neural pathways, leaving<br />

little impression on them. The end result is<br />

a frustrated worker who doesn’t understand<br />

or even remember how they got to their<br />

destination when completing a task. A worker,<br />

who as a consequence loses his sense of<br />

achievement or worse still, never experiences<br />

it. They just punch their keyboard day-in, dayout<br />

because the computer tells them to - we<br />

need to stop this.<br />

During Christmas 1983,<br />

changing the colour of my screen<br />

from cyan to magenta on my<br />

Commodore 16 was perceived<br />

as the absolutely height of<br />

technical sophistication and if<br />

you could make it automatically<br />

flash between the two colours<br />

you thought you were destined<br />

for great things!<br />

The Recognised Standard / www.cicm.com / <strong>April</strong> <strong>2018</strong> / PAGE 18

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