Your top 20% will give you 120% of your profit - your bottom 20% will lose the 20%

I’m sure you’re heard of the 80/20 rule where 20% of your products , services or people deliver 80% of your revenue, profit and results 

But there’s a less well-known paradigm which is the 20/120 rule which shows:

In terms of product 

• Your top 20% of products could be generating an impressive 120% of your profit.
• Your bottom 20% of products might be losing you 20% of that profit.

In terms of people 

• Your top 20% are your high performers who consistently overachieve. You’ll often find these people doing 120% of quota etc.
• Your middle 60% are somewhat mediocre. They have potential but may lack coaching, systems, or accountability.
• The bottom 20% often need to be retrained, repositioned, or exited. They might not be the right fit.

In other words, your weakest performers aren't just underperforming; they're actively costing you money and eating into your best results.

The success of a business is  not about the people - it’s about the right people 

Once you've identified the underperforming 20%, you have critical choices to make:

• For Products and Services: redesign, repackage, or bundle with successful offerings -or cut 

For Employees:  Is underperformance due to skills gaps or being in the wrong role. If they have the right attitude, targeted training or repositioning within the company can help them thrive. But if they're fundamentally unsuitable, cut!!!

Cut

Cutting may free up valuable resources, time, money, and headache enabling you to invest in areas that truly create a leaner, more efficient, and more profitable organization.

❓Are you measuring your performance to determine what or who  works or doesn’t ?

❓ Do you have KPIs that measure performance and hold people or products  accountable?  (including for yourself as the owner)

Thanks Rashid Kotwal for the insight http://www.revealedresources.com/

visionary insights from the „Next Horizon Thinking“ Masterclass with Craig Rispin CSP and Ashton Bishop of Step Change

Great insights from Gunnar Habitz after attending the futurist  Craig Rispin’s Masterclass 

Craig had helped many companies from Apple to ASX200 companies challenging their strategic planning activities.

He is known as a „crystal ball dressed in a suit“ being steps ahead of others.

What comes first when you create your strategy: the immediate future or the time afterwards?

💡

We don‘t define the next step but rather the next step after and then work backwards 

Most of us feel the challenge of crafting a winning strategy.

Especially in disruptive times like now with AI being everywhere - it is a real struggle to get it right - instead of just saying

 „we will just grow by 10%“.

Should  data becomes a business asset that should be valued and included in the balance sheet 

How get the right data we need and can we use it?

Here are my key takeaways from this insightful workshop:

1. Strategy is a choice of how and where to invest our resources to gain an expected outcome.

2. Moore‘s Law of doubling computing power regularly turned into 150X growth due to AI progress.

3. AI helps normal people build, ship and market products easily.

4. AI becomes a disruptive shortcut for manual tasks like compliance checks.

5. Storing data as the fuel of innovation moves from data centres to storing inside the DNA (!).

How do you advance your business in the age of AI everywhere to lead and don‘t keep left behind?

#innovation #strategy #digitalmarketing

🌾 The Future of Agribusiness: Innovation, Resilience, and Growth 🌍

My friend Zsolt Nagy is arguably one of the most connected humans on the planet.

He has various onterests around the world 🌍, including an agribusiness in Slovakia .

Here is his takeouts from a mastermind of 168 agribusiness leaders and innovators from around the world at a high-level strategic forum, , where they  tackled some of the most pressing challenges and groundbreaking opportunities shaping the future of agriculture.

🌾 The Future of Agribusiness: Innovation, Resilience, and Growth 🌍

This wasn’t just a program—it was a global exchange of ideas, exploring how we can future-proof agribusiness through innovation, sustainability, and strategic adaptation.

🔥 Key themes that shaped our discussions:

🌍 Climate Resilience – The impact of shifting weather patterns on crop yields and how adaptive farming can mitigate risks.

📊 Data & Technology – Precision farming, AI-driven decision-making, and automation as the foundation of modern agribusiness.

🌾 Sustainability & Consumer Demand – How transparency, regenerative practices, and alternative food systems are reshaping the industry.

💼 Strategic Business Models – Agility, market diversification, and value-chain collaboration as tools for long-term success.

What truly set this gathering apart were the real-world case studies, offering deep insights into the transformations happening across Europe and Slovakia. From agritech-driven efficiency in Central Europe to the rise of biogas as a sustainable energy source, the message was clear—small, smart changes drive exponential impact.

💡 Key takeaways as an agribusiness expert:

🔸 Technology is no longer optional—it’s the competitive edge that will define the next generation of agricultural success.

🔸 Collaboration is power—supply chain resilience depends on stronger partnerships between farmers, processors, and retailers.

🔸 Adaptability is survival—those who embrace new revenue streams, sustainable models, and consumer-driven changes will lead the industry.

With agriculture in Slovakia and Europe undergoing a major transformation, the opportunity to drive meaningful change has never been greater. 🚜💡 From integrating renewable energy to expanding precision agriculture, I am more motivated than ever to apply these insights and push the boundaries of what’s possible in our industry.

🌟 What trends or innovations do you see shaping the future of agribusiness in 2025? Let’s connect and discuss!

#Agribusiness #Innovation #Sustainability #FutureOfFarming #AgricultureLeadership #AgriTech #Growth

Here is his LinkedIn  post 

Send your vCard and refer your network with www.referron.com

Future of jobs report #wef world economic forum

Interesting analysis by Kala Philip of BSI Learning re the future of jobs report in 2025 from the World Exonomic Forum 

https://www.weforum.org/publications/the-future-of-jobs-report-2025/digest/

The Future of Jobs Report 2025 predicts a net increase of 78 million jobs globally by 2030, with Australia experiencing a 7% growth in total employment. 

However, these changes will not come without disruption. Approximately 20% of careers are expected to undergo fundamental shifts due to the rapid pace of social, economic, and technological changes. 

Roles expected to see the most growth include:

💥*Frontline positions: Delivery drivers, construction workers, farmworkers, sales professionals, and food processing workers.

💥*Care economy jobs: Aged care workers, social workers, nurses, and schoolteachers.

💥*Technology specialists: Data analysts, artificial intelligence (AI) specialists, software engineers, and fintech professionals.

💥*Green economy roles: Electric vehicle specialists, renewable energy engineers, and environmental engineers.

Effective reskilling and upskilling initiatives, along with improving talent progression and promotion, are also seen as holding high potential for talent attraction. 

Funding for - and provision of - reskilling and upskilling are seen as the two most welcomed public policies to boost talent availability.

BSI Learning BSI Digital Learning

#referron -#bsifinance 

The AI Collaboration Index: Mike Cannon Brooks shares the secret of how you go from being a simple user of AI to a strategic collaborator and the power it unleashes

A great insite from Mike Cannon Brooks - summarises an AI collaboration Report from Atlassian - identifying the power of using AI as a strategic partner vs a simple user! 

The power of AI for you is about the way you use it based on yiur attitude and mindset  - says Mike Cannon Brooks 

The Research and the results 

A  research study was undertaken by Atlassian’s Teamwork Lab - who interviewed 5000 knowledge workers around the world - asking them how they use ai - and the results are clear: the future of work is human-AI collaboration. 

They came up with the following insite  . 

There were 2 types of users 

• A simple user - use ai as  a tool - as a pa and asking ai a few basic questions 
• A strategic user - use AI as  a creative partner and a  mentor - or better still - a team of expert advisors. 

The data showed that when it comes to getting the most out of working with AI, it’s about how you use AI - and your “attitude” while using it!!

The data indicated that  there is a massive benefit to moving from a simple user to a strategic user - however “mindset is the key to AI maturity.”

The teams who treat AI as a strategic user like a true collaborator (vs a chat bot) are getting the biggest bang for their buck...

✅ Double the ROI compared with teams who use AI as a basic tool

✅ 105 minutes saved daily

✅ 90% say it's improving work quality 

✅ Are 1.5x more likely to reinvest time saved into learning new skills

✅ Are 1.8x more likely to be viewed as innovative teammates

Some gems 

So the key is ….. treat AI as a smart colleague or a team of advisers at your fingertips  to unlock the exponential gains that you have the opportunity to get!!

Stop “using” AI and Start collaborating with it.

The question to ask yourself 

Do you use AI as a way to do the work you  don’t want to do?

Do you use AI  as a way to do the work they’ve always wanted to do?

The basic way to start using AI 

Most people use AI starting with a question 

These individuals 

• define a specific task or challenge, 
• set a clear goal, and then 
• partner with AI to brainstorm solutions, explore ideas, and deliver better work.

Some examples and Case studies 

Simple AI users  using AI to get tasks done faster and more easily - save 53 minutes per day using AI 

Examples 

• You wrote an email, and you use AI to make it more concise and effective.
• You use AI to search for information within your company

Strategic AI collaborators using  AI as a creative partner or an entire team with a range of specialized skills.- save 105 minutes per day using AI 

Examples 

Anu Bharadwaj, President of Atlassian, collaborates with the Customer 360 agent to quickly pull customer data into a page and then spars with the agent to surface insights. AI agents like Customer 360 act as specialized teammates by informing strategy:

Annie Dean, Global Head of Team Anywhere, Atlassian, leverages AI to speed up and improve real-time idea generation:

“If you’re stuck on an idea and your favorite sparring partner is tied up in a meeting, you can open a conversation with AI to bounce ideas back and forth, get feedback in real time, and treat the exchange like a true conversation. For the first time, technology speaks our language – and that’s a huge unlock.”

If you want to upskill you or your team - you should speak to the team at BSI Learning https://bsidigital.com.au/

Bitcoin passes $100k - onwards and upwards?

My mate Michael Terpin has been wanting me to invest in Bitcoin for years!! 

Today, Bitcoin has officially crossed the historic US$100,000 threshold—a defining moment for Bitcoin and the whole crypto asset class. While this is cause for celebration, at Apollo Crypto, this moment does not come as a surprise. We have anticipated this trajectory for years and our attention remains focused on identifying the catalysts and winners that will shape the future.

The Overton window for crypto assets has decisively shifted, ushering in the most favorable regulatory and political landscape the industry has ever seen. This environment marks a golden age for crypto, resulting in compelling opportunities outside of just Bitcoin.

Blockchain and AI are the young and yang of the digital era

Ready for a groundbreaking idea?

Blockchain and AI are the Ying and Yang of the digital era.

Both have the underlying goal of making life easier, faster, & more efficient.

AI processes data so we don’t have to.

Blockchain verifies data so we don’t have to.

Together they form a powerful duo that guarantees a future of transparency, security, and economic growth.

Think about it: imagine having a system that is capable of automating all the manual processes, enabling a fast and safe data communication flow.

The possibilities are endless.

Together they’re creating a smarter world where we can focus on what really matters: achieving our goals.

Where do you see blockchain and AI taking us next? 

#InBlockChainWeTrust #DePIN