Bruce Cahan Ashoka Fellow Stanford Center for Internet & Society Fellow (non-resident) © 2009 Urban Logic, Inc.
What is a social entrepreneur? © 2009 Urban Logic, Inc.
What is Social Entrepreneurship?  <ul><li>Whole internally: </li></ul><ul><li>Being </li></ul><ul><li>Listening  </li></ul...
Roles & Resources for my Day  <ul><li>Whole  </li></ul><ul><li>Person </li></ul><ul><li>Listening </li></ul><ul><li>Imagin...
E thical banking and finance Why create a good bank? Bruce Cahan President, Urban Logic Presented at  SELA:  Society for E...
Economics we leverage <ul><li>Ways societies distribute goods & services: </li></ul><ul><li>Exchange supported by market m...
2008 was a disaster, financially <ul><li>U.S. lost 2.6 million jobs, the most since 1945 </li></ul><ul><li>Now 7.2% Americ...
2008 was a disaster, ethically <ul><li>U.S. Treasury demands TARP funds to help homeowners, without transparency </li></ul...
Our common ethical business roots <ul><li>Man was placed on Earth to work & protect it  (Gen. 2:15) </li></ul><ul><li>Thou...
Intersections Inspired by TED <ul><li>Our brains are prediction machines, based on taking in and storing experience  Jeff ...
The Earth is ours, in trust  © 2009 Urban Logic, Inc.
Our Planet is Semantic Fabric <ul><li>Needs  are real, but mapped retrospectively </li></ul><ul><li>Capacities  are locall...
A Simple 3-Layer World Map  <ul><li>Needs  Layer – regional, indigenous, dynamic </li></ul><ul><li>Capacities  Layer – reg...
Needs Layer <ul><li>Gaps in Quality of Life </li></ul><ul><li>MILLIONS of viewpoints, apolitically </li></ul><ul><li>THOUS...
Capacities Layer <ul><li>A Wikipedia® of Solutions </li></ul><ul><li>indigenous to region </li></ul><ul><li>or applicable ...
Money Layer <ul><li>Spatially-tag the money aimed at  </li></ul><ul><li>Creating, redressing or anticipating  Needs </li><...
Example:  Foreign Aid <ul><li>80% of foreign aid is wasted or untraceable </li></ul><ul><li>Too many hands handle aid mone...
Mapping Money <ul><li>XBRL: eXtensible Business Reporting Language </li></ul><ul><ul><ul><li>coupled with  </li></ul></ul>...
After 9/11, we mapped functions © 2009 Urban Logic, Inc.
We have better stats on Sports © 2009 Urban Logic, Inc.
We have better Stats on Politics © 2009 Urban Logic, Inc.
Why map  needs, capacities & money? Answer:  To improve local conditions, faster © 2009 Urban Logic, Inc.
After 2,000 years, the World has become a harsher place,  faster,  without a brake © 2009 Urban Logic, Inc.
World Population (Year=0) © 2009 Urban Logic, Inc.
World Wealth (Year = 0) © 2009 Urban Logic, Inc.
World Population (Year = 1500) © 2009 Urban Logic, Inc.
World Wealth (Year = 1500) © 2009 Urban Logic, Inc.
World Population (Year = 1900) © 2009 Urban Logic, Inc.
World Wealth (Year = 1900) © 2009 Urban Logic, Inc.
World Population (Year = 1960) © 2009 Urban Logic, Inc.
World Wealth (Year = 1960) © 2009 Urban Logic, Inc.
World Population Today © 2009 Urban Logic, Inc.
World Birthrate Today © 2009 Urban Logic, Inc.
World Wealth (Year = 1990) © 2009 Urban Logic, Inc.
World Wealth (Year = 2015) © 2009 Urban Logic, Inc.
World Population (Year = 2030)  © 2009 Urban Logic, Inc.
World Population (Year = 2500)  © 2009 Urban Logic, Inc.
National Savings Rates © 2009 Urban Logic, Inc.
World Finance (Net Exporters)  © 2009 Urban Logic, Inc.
World Finance (Net Importers) © 2009 Urban Logic, Inc.
The Undernourished (Year = 1990) © 2009 Urban Logic, Inc.
The Undernourished (Year = 2000) © 2009 Urban Logic, Inc.
The Blind, at birth or by disease © 2009 Urban Logic, Inc.
Peoples Affected by Disaster © 2009 Urban Logic, Inc.
Peoples touched by War 1945-2004 © 2009 Urban Logic, Inc.
Urbanized, living in cities © 2009 Urban Logic, Inc.
Urban Growth © 2009 Urban Logic, Inc.
Biocapacity © 2009 Urban Logic, Inc.
Ecological footprint © 2009 Urban Logic, Inc.
Life Expectancy © 2009 Urban Logic, Inc.
We need more ethical banks © 2009 Urban Logic, Inc.
We spend too much. © 2009 Urban Logic, Inc.
We save too little. © 2009 Urban Logic, Inc.
We are credit ratings. © 2009 Urban Logic, Inc.
We are taxpayers. © 2009 Urban Logic, Inc.
We are consumers. © 2009 Urban Logic, Inc.
We work & earn $. © 2009 Urban Logic, Inc.
We are borrowers. © 2009 Urban Logic, Inc.
We are investors. © 2009 Urban Logic, Inc.
We donate to charity. © 2009 Urban Logic, Inc.
We live to shop. © 2009 Urban Logic, Inc.
Banks don’t help us live. © 2009 Urban Logic, Inc.
Banks help us shop. © 2009 Urban Logic, Inc.
We strive to be good. © 2009 Urban Logic, Inc.
We live multi-sided financial lives,  © 2009 Urban Logic, Inc.
disconnected © 2009 Urban Logic, Inc.
so as to profit others. © 2009 Urban Logic, Inc.
OUR spending is destroying  OUR planet. © 2009 Urban Logic, Inc.
Credit cards help us © 2009 Urban Logic, Inc.
spend © 2009 Urban Logic, Inc.
mindlessly,  © 2009 Urban Logic, Inc.
regardless of impact. © 2009 Urban Logic, Inc.
Are banks ethical? © 2009 Urban Logic, Inc.
Too often, banks fund © 2009 Urban Logic, Inc.
pollution, © 2009 Urban Logic, Inc.
war, © 2009 Urban Logic, Inc.
poverty, © 2009 Urban Logic, Inc.
poor health, © 2009 Urban Logic, Inc.
subprime mortgages, © 2009 Urban Logic, Inc.
BIG BONUSES! © 2009 Urban Logic, Inc.
WHAT ABOUT ETHICS? © 2009 Urban Logic, Inc.
COULD A BANK BE ETHICAL? © 2009 Urban Logic, Inc.
Surely, a bank can be ethical! © 2009 Urban Logic, Inc.
An ethical bank would © 2009 Urban Logic, Inc.
have the integrity  to admit & fix mistakes, © 2009 Urban Logic, Inc.
help, not hurt, © 2009 Urban Logic, Inc.
use credit to reward  seeking ethical choices, © 2009 Urban Logic, Inc.
use financial services to grow sustainability, © 2009 Urban Logic, Inc.
reverse threats to indigenous peoples, cultures and regions. © 2009 Urban Logic, Inc.
I am building  an ethical bank, © 2009 Urban Logic, Inc.
[see www.GoodBank.info/w] © 2009 Urban Logic, Inc.
starting © 2009 Urban Logic, Inc.
in Silicon Valley © 2009 Urban Logic, Inc.
and going to © 2009 Urban Logic, Inc.
NYC, © 2009 Urban Logic, Inc.
DC, © 2009 Urban Logic, Inc.
Miami, © 2009 Urban Logic, Inc.
Europe. © 2009 Urban Logic, Inc.
We will use technology © 2009 Urban Logic, Inc.
to  © 2009 Urban Logic, Inc.
harmonize data into © 2009 Urban Logic, Inc.
Sustainable resiliency® © 2009 Urban Logic, Inc.
as a regional credit rating, © 2009 Urban Logic, Inc.
The Means Meter® © 2009 Urban Logic, Inc.
to help shop ethically, © 2009 Urban Logic, Inc.
Procurement visualization © 2009 Urban Logic, Inc.
so social entrepreneurs © 2009 Urban Logic, Inc.
and nonprofits © 2009 Urban Logic, Inc.
can compete for © 2009 Urban Logic, Inc.
government contracts, © 2009 Urban Logic, Inc.
and other technologies © 2009 Urban Logic, Inc.
like FaceBook® & Wikipedia® © 2009 Urban Logic, Inc.
so ethical people © 2009 Urban Logic, Inc.
can use money to © 2009 Urban Logic, Inc.
see and reach © 2009 Urban Logic, Inc.
their ethical goals © 2009 Urban Logic, Inc.
TODAY! © 2009 Urban Logic, Inc.
earning © 2009 Urban Logic, Inc.
cash-back rewards © 2009 Urban Logic, Inc.
cheaper interest rates © 2009 Urban Logic, Inc.
while helping to grow © 2009 Urban Logic, Inc.
social enterprises & © 2009 Urban Logic, Inc.
sustainable resiliency ® © 2009 Urban Logic, Inc.
in regions they cherish. © 2009 Urban Logic, Inc.
We will use © 2009 Urban Logic, Inc.
Semantic Web © 2009 Urban Logic, Inc.
Mobile Web © 2009 Urban Logic, Inc.
financial literacy tools © 2009 Urban Logic, Inc.
across the SC: Eco © 2009 Urban Logic, Inc.
[Social Capital Ecosphere]. © 2009 Urban Logic, Inc.
Our bank branches © 2009 Urban Logic, Inc.
will feel different. © 2009 Urban Logic, Inc.
Instead of human ATMs, © 2009 Urban Logic, Inc.
our branches will feel © 2009 Urban Logic, Inc.
like Apple® Stores  © 2009 Urban Logic, Inc.
where friends seek © 2009 Urban Logic, Inc.
financial literacy © 2009 Urban Logic, Inc.
to see, learn & improve  social impacts. © 2009 Urban Logic, Inc.
An ethical bank © 2009 Urban Logic, Inc.
incubates change. © 2009 Urban Logic, Inc.
We are surrounded by  change agents: © 2009 Urban Logic, Inc.
Ashoka © 2009 Urban Logic, Inc.
IDEO © 2009 Urban Logic, Inc.
McKinsey © 2009 Urban Logic, Inc.
Hill & Knowlton © 2009 Urban Logic, Inc.
Promontory Financial © 2009 Urban Logic, Inc.
Weil Gotshal & Manges © 2009 Urban Logic, Inc.
Please join us. © 2009 Urban Logic, Inc.
Questions? © 2009 Urban Logic, Inc.
Bruce Cahan  [email_address] Wiki:  Goodbank.info/w © 2009 Urban Logic, Inc.
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  • Manning &amp; Morris, The Ancient Economy p.86, cites Polanyi’s Great Transformation &amp; Our Osolete Market Mentality for conclusion that society uses 3 main mechanisms to provide citizens goods &amp; services
  • Image Source http://www.newyorker.com/images/2008/12/22/p233/081222_r18074_p233.jpg Bailout amounts Job losses http://blogs.wsj.com/economics/2009/01/09/worst-year-since-1945-with-more-pain-to-come/trackback/ More banks will fail http://blogs.wsj.com/marketbeat/2009/01/06/banks-credit-quality-expected-to-worsen/trackback/ Decline in residential &amp; commercial property markets http://online.wsj.com/article/SB123085781068147847.html Unemployment rate http://www.bls.gov/news.release/pdf/empsit.pdf Off the cliff REITs http://online.wsj.com/article/SB123067570012543757.html?mod=loomia&amp;loomia_si=t0:a16:g2:r1:c0.034484:b0 Stock market losses http://www.bloomberg.com/apps/news?pid=20601109&amp;refer=home&amp;sid=ataVotdLreS0
  • SEC knew of Madoff scam since 1999 http://www.sec.gov/news/press/2008/2008-297.htm
  • Environmentalism http://www.jlaw.com/Articles/environmentbible2.pdf Geneivat da&apos;at http://www.jlaw.com/Articles/geneivatdaat.html Healthy competition http://www.jlaw.com/Articles/hasagatgevul.html Stumbling block before the blind http://www.jlaw.com/Articles/placingstumbling.html Interest limits http://www.jlaw.com/Articles/venture_notes.html#Note5 Bad advice/sin http://www.jlaw.com/Articles/interestAndTheBlindBorrower.pdf
  • Copyright 2009 Urban Logic, Inc. All rights reserved. Jeff Hawkins Talk: http://www.ted.com/index.php/talks/view/id/125 David Pogue Talk: http://www.ted.com/index.php/talks/view/id/7 Jan Chipchase http://www.ted.com/index.php/talks/view/id/190 Murray Gell-Mann: http://www.ted.com/index.php/talks/view/id/194 Jacqueline Novogratz: http://www.ted.com/index.php/talks/view/id/157 Larry Lessig http://www.ted.com/index.php/talks/view/id/187 James Howard Kunstler http://www.ted.com/index.php/talks/view/id/121 Nora York http://www.ted.com/index.php/talks/view/id/81 Eddi Reader http://www.ted.com/index.php/talks/view/id/110 Chris Anderson http://edge.org/q2007/q07_1.html#andersont
  • Ashraf Ghani estimated 90% of foreign aid in Afghanistan was wasted http://www.rawa.org/rebuild2.htm George Ayittey http://www.utexas.edu/conferences/africa/ads/943.html
  • SuperBowl http://www.nfl.com/superbowl/stats?type=team Baseball http://mlb.mlb.com/mlb/stats/index.jsp
  • http://www.fivethirtyeight.com/search/label/today%27s%20polls
  • http://www.worldmapper.org/images/hires/322_ecol_footprint-ea-cart.tif
  • Stanford Sela040609

    1. 1. Bruce Cahan Ashoka Fellow Stanford Center for Internet & Society Fellow (non-resident) © 2009 Urban Logic, Inc.
    2. 2. What is a social entrepreneur? © 2009 Urban Logic, Inc.
    3. 3. What is Social Entrepreneurship? <ul><li>Whole internally: </li></ul><ul><li>Being </li></ul><ul><li>Listening </li></ul><ul><li>Thinking </li></ul><ul><li>Imagining </li></ul><ul><li>Whole externally: </li></ul><ul><li>Acting </li></ul><ul><li>Giving </li></ul><ul><li>Receiving </li></ul><ul><li>Partnering </li></ul>© 2009 Urban Logic, Inc.
    4. 4. Roles & Resources for my Day <ul><li>Whole </li></ul><ul><li>Person </li></ul><ul><li>Listening </li></ul><ul><li>Imagining </li></ul><ul><li>Acting </li></ul><ul><li>Giving </li></ul><ul><li>Receiving </li></ul><ul><li>Partnering </li></ul><ul><li>Networking </li></ul><ul><li>Challenging </li></ul><ul><li>Who am I today? </li></ul><ul><li>Professionally: lawyer, banker, government & geospatial technologist, emergency responder, infrastructure finance, conscious consumerism & urban sustainability advocate </li></ul><ul><li>Culturally: American </li></ul><ul><li>Religion: Jewish </li></ul><ul><li>Physically: Dystonia survivor </li></ul><ul><li>Family: Committed dad </li></ul><ul><li>Serial social entrepreneur </li></ul>© 2009 Urban Logic, Inc.
    5. 5. E thical banking and finance Why create a good bank? Bruce Cahan President, Urban Logic Presented at SELA: Society for Entrepreneurship in Latin America Stanford University - April 6, 2009 © 2009 Urban Logic, Inc.
    6. 6. Economics we leverage <ul><li>Ways societies distribute goods & services: </li></ul><ul><li>Exchange supported by market mechanisms </li></ul><ul><li>Redistribution by centralized political structures </li></ul><ul><li>Reciprocity by institutions of kinship & friendship </li></ul>© 2009 Urban Logic, Inc.
    7. 7. 2008 was a disaster, financially <ul><li>U.S. lost 2.6 million jobs, the most since 1945 </li></ul><ul><li>Now 7.2% Americans unemployed </li></ul><ul><li>Residential & commercial property markets collapsed 20% </li></ul><ul><li>Global stock markets lost $30 trillion (half their value) </li></ul><ul><li>U.S. stock markets lost $7.2 trillion </li></ul><ul><li>Foreclosures doubled </li></ul><ul><li>Banks slowed/stopped lending </li></ul><ul><li>$272 billion to bailout 315 banks </li></ul><ul><li>$152 billion to bailout AIG Insurance </li></ul><ul><li>25 banks failed, with more bank failures expected in 2009 </li></ul>© 2009 Urban Logic, Inc.
    8. 8. 2008 was a disaster, ethically <ul><li>U.S. Treasury demands TARP funds to help homeowners, without transparency </li></ul><ul><li>Banks & AIG use bailout funds to party, buy market share or pay bonuses </li></ul><ul><li>Car company executives jet to DC for aid </li></ul><ul><li>Bernard Madoff’s $50 billion Ponzi scheme abused the trust of Jews & non-Jews, capping 10 years when SEC failed to act </li></ul>© 2009 Urban Logic, Inc.
    9. 9. Our common ethical business roots <ul><li>Man was placed on Earth to work & protect it (Gen. 2:15) </li></ul><ul><li>Thou shalt not steal (8 th Commandment) </li></ul><ul><li>Thou shalt not deceive in business dealings nor “steal the mind” of any consumer or innovator ( Geneivat da'at ) </li></ul><ul><li>Place no stumbling block before the blind, by temptation, advertising or commerce (Leviticus 19:14) </li></ul><ul><li>Provide neither the means or bad (self-serving) advice to commit sin ( Sifra, Kedoshim, parshasa 2, perek 7 ) </li></ul><ul><li>Competition must be fair, spread out so “all fishermen have a chance to catch fish” ( Gemara ) </li></ul><ul><li>Interest must not impoverish the borrower (Lev. 25:35-37) </li></ul>© 2009 Urban Logic, Inc.
    10. 10. Intersections Inspired by TED <ul><li>Our brains are prediction machines, based on taking in and storing experience Jeff Hawkins (Palm) </li></ul><ul><li>Our physics is built on the beauty of nested layers of simple relationships Murray-Gell Mann, physicist </li></ul><ul><li>Our society is built by seeing, acting on and communicating the meaningful in your life Tony Robbins, life coach </li></ul><ul><li>Simplicity sells David Pogue (NY Times technology critic) </li></ul><ul><li>Dignity means more than wealth. Patient capital means more than charity. Jacqueline Novogratz (Acumen Fund) </li></ul><ul><li>Democratization of content is the literacy of this generation. Lawrence Lessig (Stanford Center Internet & Society) </li></ul><ul><li>Our brains respond faster to threats, drowning out hopeful news & how to use it Chris Anderson (TED curator) </li></ul><ul><li>We need to learn how to listen to 3 billion new voices on the planet, living on $2/day Jan Chipchase (Nokia principal researcher) </li></ul><ul><li>Let’s build “public spaces” worth caring about, because life is lived locally James Howard Kunstler, urban design guru </li></ul><ul><li>I want what I can’t have. I need what I don’t want...My mind won’t stop. What I Want, sung by Nora York </li></ul><ul><li>Where are you now? Kiteflyer’s Hill, sung by Eddi Reader </li></ul>08/06/09
    11. 11. The Earth is ours, in trust © 2009 Urban Logic, Inc.
    12. 12. Our Planet is Semantic Fabric <ul><li>Needs are real, but mapped retrospectively </li></ul><ul><li>Capacities are locally known, but unmapped </li></ul><ul><li>Money is a social fiction, unmapped, oddly purposely </li></ul>© 2009 Urban Logic, Inc.
    13. 13. A Simple 3-Layer World Map <ul><li>Needs Layer – regional, indigenous, dynamic </li></ul><ul><li>Capacities Layer – regional, thematic, real </li></ul><ul><li>Money Layer – $ flows from here to there </li></ul>© 2009 Urban Logic, Inc.
    14. 14. Needs Layer <ul><li>Gaps in Quality of Life </li></ul><ul><li>MILLIONS of viewpoints, apolitically </li></ul><ul><li>THOUSANDS of experts & NGO’s measures </li></ul><ul><li>An agnostic space, where statistics weighted by use & relevance to regionalism </li></ul><ul><li>= Sustainable Resiliency® </li></ul>© 2009 Urban Logic, Inc.
    15. 15. Capacities Layer <ul><li>A Wikipedia® of Solutions </li></ul><ul><li>indigenous to region </li></ul><ul><li>or applicable to its Needs </li></ul>© 2009 Urban Logic, Inc.
    16. 16. Money Layer <ul><li>Spatially-tag the money aimed at </li></ul><ul><li>Creating, redressing or anticipating Needs </li></ul><ul><li>or </li></ul><ul><li>Leveraging Capacities </li></ul>© 2009 Urban Logic, Inc.
    17. 17. Example: Foreign Aid <ul><li>80% of foreign aid is wasted or untraceable </li></ul><ul><li>Too many hands handle aid money </li></ul><ul><li>No map exists of </li></ul><ul><ul><li>Authorized foreign aid funds </li></ul></ul><ul><ul><li>Projects that foreign aid was supposed to fund </li></ul></ul><ul><ul><li>What aid money actually funded </li></ul></ul>© 2009 Urban Logic, Inc.
    18. 18. Mapping Money <ul><li>XBRL: eXtensible Business Reporting Language </li></ul><ul><ul><ul><li>coupled with </li></ul></ul></ul><ul><li>Location-Based Services </li></ul><ul><ul><ul><ul><ul><li>leading to </li></ul></ul></ul></ul></ul><ul><li>Describing social conditions (GRI) as $ impacts </li></ul>© 2009 Urban Logic, Inc.
    19. 19. After 9/11, we mapped functions © 2009 Urban Logic, Inc.
    20. 20. We have better stats on Sports © 2009 Urban Logic, Inc.
    21. 21. We have better Stats on Politics © 2009 Urban Logic, Inc.
    22. 22. Why map needs, capacities & money? Answer: To improve local conditions, faster © 2009 Urban Logic, Inc.
    23. 23. After 2,000 years, the World has become a harsher place, faster, without a brake © 2009 Urban Logic, Inc.
    24. 24. World Population (Year=0) © 2009 Urban Logic, Inc.
    25. 25. World Wealth (Year = 0) © 2009 Urban Logic, Inc.
    26. 26. World Population (Year = 1500) © 2009 Urban Logic, Inc.
    27. 27. World Wealth (Year = 1500) © 2009 Urban Logic, Inc.
    28. 28. World Population (Year = 1900) © 2009 Urban Logic, Inc.
    29. 29. World Wealth (Year = 1900) © 2009 Urban Logic, Inc.
    30. 30. World Population (Year = 1960) © 2009 Urban Logic, Inc.
    31. 31. World Wealth (Year = 1960) © 2009 Urban Logic, Inc.
    32. 32. World Population Today © 2009 Urban Logic, Inc.
    33. 33. World Birthrate Today © 2009 Urban Logic, Inc.
    34. 34. World Wealth (Year = 1990) © 2009 Urban Logic, Inc.
    35. 35. World Wealth (Year = 2015) © 2009 Urban Logic, Inc.
    36. 36. World Population (Year = 2030) © 2009 Urban Logic, Inc.
    37. 37. World Population (Year = 2500) © 2009 Urban Logic, Inc.
    38. 38. National Savings Rates © 2009 Urban Logic, Inc.
    39. 39. World Finance (Net Exporters) © 2009 Urban Logic, Inc.
    40. 40. World Finance (Net Importers) © 2009 Urban Logic, Inc.
    41. 41. The Undernourished (Year = 1990) © 2009 Urban Logic, Inc.
    42. 42. The Undernourished (Year = 2000) © 2009 Urban Logic, Inc.
    43. 43. The Blind, at birth or by disease © 2009 Urban Logic, Inc.
    44. 44. Peoples Affected by Disaster © 2009 Urban Logic, Inc.
    45. 45. Peoples touched by War 1945-2004 © 2009 Urban Logic, Inc.
    46. 46. Urbanized, living in cities © 2009 Urban Logic, Inc.
    47. 47. Urban Growth © 2009 Urban Logic, Inc.
    48. 48. Biocapacity © 2009 Urban Logic, Inc.
    49. 49. Ecological footprint © 2009 Urban Logic, Inc.
    50. 50. Life Expectancy © 2009 Urban Logic, Inc.
    51. 51. We need more ethical banks © 2009 Urban Logic, Inc.
    52. 52. We spend too much. © 2009 Urban Logic, Inc.
    53. 53. We save too little. © 2009 Urban Logic, Inc.
    54. 54. We are credit ratings. © 2009 Urban Logic, Inc.
    55. 55. We are taxpayers. © 2009 Urban Logic, Inc.
    56. 56. We are consumers. © 2009 Urban Logic, Inc.
    57. 57. We work & earn $. © 2009 Urban Logic, Inc.
    58. 58. We are borrowers. © 2009 Urban Logic, Inc.
    59. 59. We are investors. © 2009 Urban Logic, Inc.
    60. 60. We donate to charity. © 2009 Urban Logic, Inc.
    61. 61. We live to shop. © 2009 Urban Logic, Inc.
    62. 62. Banks don’t help us live. © 2009 Urban Logic, Inc.
    63. 63. Banks help us shop. © 2009 Urban Logic, Inc.
    64. 64. We strive to be good. © 2009 Urban Logic, Inc.
    65. 65. We live multi-sided financial lives, © 2009 Urban Logic, Inc.
    66. 66. disconnected © 2009 Urban Logic, Inc.
    67. 67. so as to profit others. © 2009 Urban Logic, Inc.
    68. 68. OUR spending is destroying OUR planet. © 2009 Urban Logic, Inc.
    69. 69. Credit cards help us © 2009 Urban Logic, Inc.
    70. 70. spend © 2009 Urban Logic, Inc.
    71. 71. mindlessly, © 2009 Urban Logic, Inc.
    72. 72. regardless of impact. © 2009 Urban Logic, Inc.
    73. 73. Are banks ethical? © 2009 Urban Logic, Inc.
    74. 74. Too often, banks fund © 2009 Urban Logic, Inc.
    75. 75. pollution, © 2009 Urban Logic, Inc.
    76. 76. war, © 2009 Urban Logic, Inc.
    77. 77. poverty, © 2009 Urban Logic, Inc.
    78. 78. poor health, © 2009 Urban Logic, Inc.
    79. 79. subprime mortgages, © 2009 Urban Logic, Inc.
    80. 80. BIG BONUSES! © 2009 Urban Logic, Inc.
    81. 81. WHAT ABOUT ETHICS? © 2009 Urban Logic, Inc.
    82. 82. COULD A BANK BE ETHICAL? © 2009 Urban Logic, Inc.
    83. 83. Surely, a bank can be ethical! © 2009 Urban Logic, Inc.
    84. 84. An ethical bank would © 2009 Urban Logic, Inc.
    85. 85. have the integrity to admit & fix mistakes, © 2009 Urban Logic, Inc.
    86. 86. help, not hurt, © 2009 Urban Logic, Inc.
    87. 87. use credit to reward seeking ethical choices, © 2009 Urban Logic, Inc.
    88. 88. use financial services to grow sustainability, © 2009 Urban Logic, Inc.
    89. 89. reverse threats to indigenous peoples, cultures and regions. © 2009 Urban Logic, Inc.
    90. 90. I am building an ethical bank, © 2009 Urban Logic, Inc.
    91. 91. [see www.GoodBank.info/w] © 2009 Urban Logic, Inc.
    92. 92. starting © 2009 Urban Logic, Inc.
    93. 93. in Silicon Valley © 2009 Urban Logic, Inc.
    94. 94. and going to © 2009 Urban Logic, Inc.
    95. 95. NYC, © 2009 Urban Logic, Inc.
    96. 96. DC, © 2009 Urban Logic, Inc.
    97. 97. Miami, © 2009 Urban Logic, Inc.
    98. 98. Europe. © 2009 Urban Logic, Inc.
    99. 99. We will use technology © 2009 Urban Logic, Inc.
    100. 100. to © 2009 Urban Logic, Inc.
    101. 101. harmonize data into © 2009 Urban Logic, Inc.
    102. 102. Sustainable resiliency® © 2009 Urban Logic, Inc.
    103. 103. as a regional credit rating, © 2009 Urban Logic, Inc.
    104. 104. The Means Meter® © 2009 Urban Logic, Inc.
    105. 105. to help shop ethically, © 2009 Urban Logic, Inc.
    106. 106. Procurement visualization © 2009 Urban Logic, Inc.
    107. 107. so social entrepreneurs © 2009 Urban Logic, Inc.
    108. 108. and nonprofits © 2009 Urban Logic, Inc.
    109. 109. can compete for © 2009 Urban Logic, Inc.
    110. 110. government contracts, © 2009 Urban Logic, Inc.
    111. 111. and other technologies © 2009 Urban Logic, Inc.
    112. 112. like FaceBook® & Wikipedia® © 2009 Urban Logic, Inc.
    113. 113. so ethical people © 2009 Urban Logic, Inc.
    114. 114. can use money to © 2009 Urban Logic, Inc.
    115. 115. see and reach © 2009 Urban Logic, Inc.
    116. 116. their ethical goals © 2009 Urban Logic, Inc.
    117. 117. TODAY! © 2009 Urban Logic, Inc.
    118. 118. earning © 2009 Urban Logic, Inc.
    119. 119. cash-back rewards © 2009 Urban Logic, Inc.
    120. 120. cheaper interest rates © 2009 Urban Logic, Inc.
    121. 121. while helping to grow © 2009 Urban Logic, Inc.
    122. 122. social enterprises & © 2009 Urban Logic, Inc.
    123. 123. sustainable resiliency ® © 2009 Urban Logic, Inc.
    124. 124. in regions they cherish. © 2009 Urban Logic, Inc.
    125. 125. We will use © 2009 Urban Logic, Inc.
    126. 126. Semantic Web © 2009 Urban Logic, Inc.
    127. 127. Mobile Web © 2009 Urban Logic, Inc.
    128. 128. financial literacy tools © 2009 Urban Logic, Inc.
    129. 129. across the SC: Eco © 2009 Urban Logic, Inc.
    130. 130. [Social Capital Ecosphere]. © 2009 Urban Logic, Inc.
    131. 131. Our bank branches © 2009 Urban Logic, Inc.
    132. 132. will feel different. © 2009 Urban Logic, Inc.
    133. 133. Instead of human ATMs, © 2009 Urban Logic, Inc.
    134. 134. our branches will feel © 2009 Urban Logic, Inc.
    135. 135. like Apple® Stores © 2009 Urban Logic, Inc.
    136. 136. where friends seek © 2009 Urban Logic, Inc.
    137. 137. financial literacy © 2009 Urban Logic, Inc.
    138. 138. to see, learn & improve social impacts. © 2009 Urban Logic, Inc.
    139. 139. An ethical bank © 2009 Urban Logic, Inc.
    140. 140. incubates change. © 2009 Urban Logic, Inc.
    141. 141. We are surrounded by change agents: © 2009 Urban Logic, Inc.
    142. 142. Ashoka © 2009 Urban Logic, Inc.
    143. 143. IDEO © 2009 Urban Logic, Inc.
    144. 144. McKinsey © 2009 Urban Logic, Inc.
    145. 145. Hill & Knowlton © 2009 Urban Logic, Inc.
    146. 146. Promontory Financial © 2009 Urban Logic, Inc.
    147. 147. Weil Gotshal & Manges © 2009 Urban Logic, Inc.
    148. 148. Please join us. © 2009 Urban Logic, Inc.
    149. 149. Questions? © 2009 Urban Logic, Inc.
    150. 150. Bruce Cahan [email_address] Wiki: Goodbank.info/w © 2009 Urban Logic, Inc.

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