It’s dark outside

This past weekend, I spent some time on YouTube catching up on talks and stumbled across an excellent concept from Maggie Appleton and her talk at the FFconf conference in Brighton relating to the Dark Forest theory and our interactions on the internet.

The internet is getting shady

The concept of the “dark forest theory” is one borrowed from astronomy, really as a response to the question… ‘if there is intelligent life out there, and the universe is infinite, why when we listen do we not hear anything?

An answer… is that we live in a hypothetical dark forest, and in a dark forest, there are many scary predators. Signalling loudly ‘I’m here’… is just not, well, a great idea… CHOMP.

A scary thought… yet putting this aside we can think about what would be our logical human reaction to this?

Most likely, if true, our immediate action would be to keep our heads down, stay in the metaphorical burrow, and hope to not be noticed. (probably making lots of Hollywood movies about how we the plucky human race fought back and brought pizza to the universe again).

So how does this relate to the public internet and to our widespread use of AI/Large Language Models?… well there is an analogy here.

The internet is getting shady

Outside of any concerns we may personally have around bias in AI and the quality of the output, what these new models have done is fundamentally change the speed at which content can now be summarised and created.

It has gone from days to seconds, at the push of a button.

It is amazing, and for those of us looking at large amounts of information can be a great way to wade through the vast sea of information to find ideas and distill the data points you are looking for. Yet this same tool is also making the problem worse.

Never have we had more content, articles, or podcasts it seems, and they are all vying for our attention.

If you really want to get noticed, it is all too easy to play the volume game, forget quality, and just publish more… so pressing the AI button to generate another 50 articles on the same topic is too easy.

The argument is, that this is already starting to happen and starting to pollute the open nature of the internet.

AI bots are watching and if you step out of your corner, waving I’m here, it is a signal to be bombarded by offers, articles, and spam, vying for attention… and if they can personalise or make this interaction even more human to more likely you are to respond…. BAM

Now it is starting to sound a little like the dark forest theory… and consumers are responding as you may expect… at least for now retreating to trusted spaces or into hiding.

Growing groups and walled gardens

By way of example, I see this myself. Yes, I still look at social media, but it tends to be increasingly one-way, people telling me information, or me putting information out there, rather than a two-way discussion…

This two-way interaction happens in chat groups, such as on WhatsApp, on video calls, on webinars with video on, or simply in person at live meetings or events.

In some ways, it feels like we are retrenching from social media to these walled gardens. It is somewhere we know everyone is human and interaction is genuine, or at least can be better judged.

So what does this mean for us at work?

Undoubtedly, in public information spaces, there is an impending virtual arms race between mass content providers and content readers. AI is being used on both sides to generate and filter content. I don’t think there is much we can do to stop this and to do so will put us at a disadvantage (at least as a reader).

Yet we are also going to look for trusted spaces or sites, where we know quality information is available, or for customers where there is trust around interaction and how they receive, and send information.

In some cases, we are going to want to know when we are talking with a human (and also when we are not). This is not to say that we won’t find AI interaction/content useful, just the need to be aware, linking to the trust factor, is going to be crucial.

Lastly, there will still likely be a role for human-to-human interaction (or as they termed it ‘meatspace’). In some instances, this may become paramount, and meeting someone directly will be the last line of defense to guarantee you are speaking with an actual human being. This will be especially valued in some areas.

What can be done, today?

So as someone who does use AI to summarise content… podcasts and those lengthy articles into key bullets… this discussion really got me thinking, especially about transparency.

Recognising this (and as a nod to this talk and these ideas) I’ve started using a new logo “AS AN AI”. This is to reflect when a piece of content has been largely AI-generated, and if possible always with links back to the original article.

I can of course not guarantee the original was not written by an AI… but hopefully this is a start, to support the lean towards greater transparency more generally.

Why ‘AS AN AI’… take a look at the video, I do thoroughly recommend having a watch.

Have a great weekend, everyone.

Posted in Opinion | Comments Off on It’s dark outside

The Digital Frontline – A Retreat to Reading Books

Last week, I had the pleasure of attending an event around resilience, in the world of consumer duty and cyber threats, in Manchester. All very interesting, and I walked away with the feeling that what we think we know is merely just a fraction of what is really going on.

It was an, albeit a concerning, eye-opener to the need to be prepared and being operationally (and indeed cyber) resilient to potential risks.

The event, built upon a prior session in London, more focused on the public sector, which highlighted digital threats posed by state actors and criminal entities (the size of a large G7 economy these days).

Most of the time, we are just not aware of what is going on… yet in the background, there are relentless attempts at extortion, brand damage, and other malicious intents. It seems to be getting worse, and indeed highlighted the week before, upon visiting the British Library, finding that they had had a ransomware attack too).

Dyb-Dob – Be Prepared

All of this did make me think on the way home about preparedness. Why is it we are all too ready to spend money on growth and new exciting tech?… Yet preparedness or protective measures for future threats, some even yet to be determined, not so much.

When losses remain unseen, investment in defences often feels unnecessary. Yet, without the investment, if something occurs, can have of much greater impact and stress for all involved. It is one of our human cognitive biases or blind spots… loss aversion, I think?

It is also true in the world of Accounts Receivable, Collections, and Recoveries.

How many leaders of these functions have struggled to explain the need for gathering data from upstream processes (updated contact details, potential vulnerabilities, financial difficulties), or educating customers, providing support when times are good… rather than having to gather this information once the customer is already having challenges and under stress?

… and as for technology investment, this is why many still struggle with spreadsheets, multiple systems, and manual processes, whilst the onboarding process is seamless and slick.

There’s often a discernible imbalance in investment, favouring growth over preventive and supportive strategies.

Of course, it doesn’t have to be this way. To some extent with the Consumer Duty, in financial services at least, the FCA has come to the rescue, requiring resilience and good customer outcomes across the entire customer journey… as a compliance requirement, it should help.

Social Ideas

Getting out and about meeting new people I am still finding really refreshing. Not just for the ideas sparked from any event content, but also for the informal discussion too.

At the event, in London, the lunchtime discussion turned to the media reports of the day around social media consumption of news, and how this is changing the media landscape, especially amongst the ‘youth’ of today.

Apart from thinking I am sure I heard the same concerns and dangers highlighted by my parents in the 1980s about television, I also realised that most of my news is already from X/Twitter, curated video clips from TikTok/Instagram, leading to watching long-form content on YouTube. (I am definitely not in the ‘younger’ demographic btw!)

Little of my media consumption is traditional media (Live TV or newspapers). You can see the challenges they are under, especially for niche content (science/tech discussions and food videos in my case).

Room for Reading

This splurge of new media formats has, undoubtedly impacted my reading behaviour too.

I have never been an avid reader but trained myself to do so really to access ideas in non-fiction or business books in particular. With the advent of short-form videos, however, this has become increasingly frustrating.

I mean, why read 250 pages to express ideas that could be explained in 6 pages of PowerPoint, in a talk online? It is just so much more efficient.

Yet, a recent sci-fi thriller on Netflix this weekend gave me another view. That is just how great fiction is at exploring hypothetical scenarios and questions. The film was thought-provoking, as good ideas are, and with some good storytelling had me thinking about it all weekend.

This together with the lunchtime discussion has me reevaluating reading fiction again… Maybe a resolution to revisit a good book or two… now I just need to find a bit of time, and get into the habit!

Have a good week everyone.

(thanks to the Fournet team for the event invites)

Posted in Observations | Comments Off on The Digital Frontline – A Retreat to Reading Books

January Fever – Emerging from hibernation

January has ended, and it certainly felt like a long month. I’m not sure why, but after the holidays, time seems to slow down, even though everything is super busy.

The saying goes, “Time flies when you’re enjoying yourself,” which, I suppose, doesn’t reflect well on the start of this year!

The news this week was mixed too, credit card and consumer loans, both of which had been increasing fairly steadily in volume throughout all of last year, showed a decline in December. Moreover, more consumers were seeking debt advice at the start of January. And, all of this came on the back of increased mortgage arrears during the latter part of 2023.

It really does feel like economic activity is cooling, which is setting us up for a difficult first quarter. Time to get the collections and customer support process ready and in tip-top shape for sure.

Of course, none of this is new news.

We have been dealing with a rising tide of energy costs, increasing interest rates, and inflation for a while now. However, what really caught my eye last week was the slew of announced job cuts across multiple sectors. Maybe it’s just my January blues, but the list did not look great:

  • Citigroup: 20,000 jobs
  • UPS: 12,000 jobs
  • John Lewis: 11,000 jobs
  • Journalism industry: 8,000 jobs
  • Deutsche Bank: 3,500 jobs
  • Tata Steel: 2,800 jobs
  • PayPal: 2,500 jobs
  • Lloyds: 1,600 jobs
  • Google: 1,000 jobs
  • Sky: 1,000 jobs
  • Birmingham City Council: 600 jobs
  • Channel 4: 200 jobs

Granted some of the larger figures are worldwide, but even so, it does feel like a shock is coming later in the year.

Rather than the rising trend we have generally seen to date, job losses would translate to unemployment and a spike in arrears. It is something to watch closely and maybe a reason to consider a new tracker on RO-AR too. (again time to get double check processes are ready).


In a desperate attempt to distract myself from January fever, I have, of course, found myself turning to social media. No not X (or Twitter as it used to be), which, to be honest, would only make things worse, but TikTok.

Although, I am not sure it has really helped… yes there is that thrill… with the next swipe, I may learn a new life hack or piece of information that is going transform my day… only to be met with yet another video about how to lay flooring tiles, stack the dishwasher or worse fix the drains… but not to worry now there is a hedgehog on a deckchair so it is all okay… and the next time, it will be different!

The platform is just too addictive… to the point that at one point I was told to stop scrolling and go an read a book. It was very good advice, and had the added bonus of making me feel 16 again!

So with screen time on… this is the mission for February. Get out, get involved, and do something new.

Posted in Opinion | Comments Off on January Fever – Emerging from hibernation