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The lament keeps coming as this moan is diligently repeated, admittedly with extra lower lip tremble, by the two kids: Eadlin and Lufian. It never happened. So, what is this book about?

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Perhaps you need a little clarification before jumping in? Are you assertive?

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Do you prefer talking, rather than listening? Do you tend to speak before thinking? Do you prefer company to solitude? Are you happy with aggressive environments?

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Then Cain says you can wear your extroverted neon badge with pride! Alternatively, do you prefer an inner circle of close friends? Do you prefer writing to talking? Do you think before you speak? Do you dislike unnecessary conflict? Then she reckons that you can wear those introverted comfy slippers instead! Why might this distinction be important for economics?

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  8. We can start with reference to decision-making processes. The extrovert is less likely to be risk averse and will embrace multi-tasking. The introvert, in contrast, will be more plodding but less likely to make error. Yes, more jobs have been created thanks to these initiatives — think of the ojek motorcycle taxi drivers, on-demand cleaners and masseurs, as well as newly created occupations like social media influencers who seriously make me think about changing career sometimes.

    But do we all have the same access to financial services products now? I doubt it. For example, while the government wants fintech initiatives to serve the "unbanked", the current reality is that only those with bank accounts can become lenders and borrowers on peer-to-peer lending platforms. We are, however, moving in the right direction, although we still have work to do. Ojek drivers and passengers now have better access to insurance products and more awareness of the importance of insurance.

    Those with aspirations to start their own small-scale business or expand their existing business can get working capital loans. But there have been negative side-effects too. Some tech initiatives, coupled with clever marketing techniques, fuel consumerism, in my view. I know I have spent more on online purchases since becoming more active on e-commerce and social media platforms.

    This could be true for others too. Read also: Fintech stakeholders declare war on illegal P2P lenders.

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    Once, when completing an online purchase, I noticed an option to pay later. It was essentially a one-month loan with penalties for late payment. Out of curiosity, and in the name of market research, I opted in. The FAQ said that if customers did not pay by the end of the month, any outstanding amount would be automatically deducted from their e-money balance. Given my forgetful nature when it comes to my own administrative matters, I thought this was a very comforting feature. As predicted, I forgot to repay my loan at the end of the month.

    But, alas, there was no automatic deduction despite my e-money balance being enough to pay the outstanding amount in full.


    Time passed before I realized the accumulating penalties. It turned out that I had received messages about the overdue amount in my inbox but didn't notice them. I only found out one or two months later, when I received a call from a customer service officer asking for payment. By that time, the amount owed had almost doubled, thanks to the penalties.

    Just as well that Scott was about to retire. But the mindset persists; there is work and there is management. Peter Drucker invented the term knowledge worker sometime around —just another indicator of his prescience. We accept that we live in a knowledge economy but grapple with what it means to be knowledge workers. Organizations remain slow to accept all the implications of that line of thought. At the core, the distinction between worker and manager is disappearing. We are all struggling to make sense of the changing nature of work.

    There are grand policy level analyses on the implications for organizations, industries, and nation states. At the other extreme, there is an endless supply of tactical advice and tools for tackling very specific problems.

    MUSINGS and other writing by Mark Kolke

    Maybe it was the time I spent in the wings at the boundary between what you see on stage and what goes on behind the scenes to make the magic happen. It gave me roots in that middle space.

    I chose to stay there, building connections between vision and execution. That began deeply immersed in designing and building technology and information systems to answer particular management questions about aluminum cans, soft drinks, industrial paints, or construction equipment. That led me back to school several times and into multiple organizations in search of more insight. The schools gave me pieces of parchment attesting to my mastery of subjects they deemed worthy; chiefly strategy, information systems, and organizational design.

    The theatrical metaphor that helps me grasp what this change entails is a shift from scripts to improv. In a script world, we grow by adding to our repertoire of scripts we can call into play. In an improv world, we grow by learning to see patterns that we can play with and by collaborating with other players to create magic in the moment.

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    We always start in the middle. Step 0 should always be to empty your pockets and look around. What do you have to work with? Pretending to take out a clean sheet of paper is well-meaning but ultimately misleading. That clean sheet of paper is one of those business cliches that sounds wise, yet conceals more than it reveals. The point of the clean sheet is to eliminate assumptions that no longer serve their purpose. Better to have a fully marked up sheet of where you are actually starting and know what obstacles need to be addressed than to trip over something hiding behind the whiteness.

    That led me into a stream of research and editorializing about the tradeoffs between taking notes on paper vs. As soon as you phrase it that way, the question reveals itself to be nonsensical. The research speculates that the difference in performance between pen and keyboard is a function of speed. Handwriting is slower than typing and that forces those taking notes to summarize and distill what they are hearing. Those choosing to type are presumed to be striving to create a verbatim transcript.