"Your smile is your logo, your personality is your business card. How you leave others feeling after having an experience with you becomes your trademark."……Jay Danzie Dear Readers, last week we looked at the role of Executive assistants in companies, the usual functions they perform and their role as the...
“There is going to be digitization of the workforce in a way we have never seen before. In 10 years, probably less, we will have substantially fewer employees, and the ones we do have will be significantly different from what we have now”.—Director, Bank Governance Leadership Network,  Dear reader, I...
According to the Central Bank’s Domestic Money Bank’s Income Statement, a total of GHS2.086 billion was written off as bad debt by banks operating in Ghana. The total bad debt stock was 4.7% less than that of 2020 which was GHS2.183 billion. Dear readers, last week, I shared some sentiments...
“…It’s in society’s best interests to have the most output produced with the least inputs.” Warren Buffet – Investor and world’s wealthiest man Hello dear Readers, how did you feel about the ‘Utterances from the grapevine’? Perhaps for some of you it’s no big deal, while to others it was insightful....
"To give real service you must add something which cannot be bought or measured with money, and that is sincerity and integrity." – Douglas Adams Hello readers, I am still publishing some extracts of my second book  “MY FRONT DESK EXPERIENCE – A YOUNG BANKER’S STORY, (published in 2016) which...
“If you make customers unhappy in the physical world, they might each tell SIX friends. If you make customers unhappy on the Internet, they can each tell six thousand friends.”  Jeff Bezos    Customer Exits and Risk Dear bankers, I am sure you have all gone through a painful customer exit before. Someone...
“Let us not look back in anger or forward in fear, but around in awareness”. — James Thurber Last week, we examined various issues that make banks vulnerable to the outside world through various lapses. This is a continuation of various reminders: Cash limits Gone are the days when branch managers preferred...
“Strength lies in differences, not in similarities”…...Stephen Covey Hello Readers, for the past two weeks, my risk binoculars has zoomed in on the beautiful and modern banking hall designs. These new designs are in line with the Central Bank’s cashlite policy of encouraging the use of more electronic-based transactions....
Common Mistakes that Bankers should Avoid “Adventure is the life of commerce, but caution is the life of banking” …Walter Bagehot Last week I looked at the “Tournier principles” in great detail. Today, I will share some basic mistakes that bankers make which breach the duty of confidentiality. These inadvertent...
“My own experience is, use the tools that are out there. Use the digital world. But never lose sight of the need to reach out and talk to other people who don't share your view. Listen to them and see if you can find a way to compromise”.  Colin...

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