eCommerce is not living up to its promise Dec 2019

Ecommerce was promised to eliminate middlemen and enable businesses to sell globally directly to consumers who can now buy with ease at fair and transparent prices.

However, this hasn’t really happened.

Marketplaces such as amazon has been flooded with unsafe and potentially fake products (see Wall Street Journal). And sometimes they are not always the cheapest and best option, particulary with growth in Walmart and other large retailers.

There is even this niche called ‘retail arbitrage’ which literally involves people buying products from retail stores and then loading them into FBA by Amazon and making money on...

Like and dislike buttons - using acts_as_votable Nov 2019

I needed to implement a set of simple like/dislike actions to a Rails project and was inspired by the simple like and dislike buttons on ProductHunt. I struggled to find a well written guide on how to implement acts_as_votable asynchronously with Rails 6, so have put the following quick guide together which I hope gives a fairly complete example.

See below for a gif demonstration. For some reason the cursor isn’t visible - but hopefully self explanatory.

Like and dislike GIF

Gemfile

Using Bootstrap and Font Awesome in the code below.

The Business of Neobanks Nov 2019

Over the last few years there has been a gradual unbundling of retail banks which is quickly gaining pace. Retail banks had become a bit too big an unwieldy, customers were increasingly unhappy with the poor service, bank profits were at record highs and increased government regulation provided high barriers to entry.

In the UK a number of current account providers have appeared and competing heavily to be the primary ‘checking’ account for individuals. These include the likes of Monzo, Revolut and Starling Bank. The general approach to these platforms is:

  • Mobile-first experience (onboarding, KYC)
  • Debit card
  • Multi-currency
  • ATM...

Using NLP for smarter web scraping Sep 2019

For several projects I’ve needed to extract specific words from a block of plaintext or extract certain words or types of phrases from different places on a web page. Web scraping works very well if the element is in the same place and same format on every webpage however scraping quickly falls apart when you’re trying to do anything more complex.

Below are a few techniques I have picked up from trying to overcome quality issues, without training an entire ML model or relying on high-degree of human input.

Example - Block of plaintext

This document...

The emergence of alternative investment platforms Sep 2019

The top-perfoming asset classes over the last decade have been alternative investments. These are assets such as fine wine and spirits, art and even classic cars. These investments have even outperformed the average hedge fund.

Alternative investments in 2018

Art, wine and collectible cars - better investments than the stock market - 2018

These markets have typically only been accessible by qualified investors (generally restricted to those with high net wealth).

Over the last few years there has been an emergence of online platforms which allow the average public individual to invest in...