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An electrical accident over the weekend at a bank in Nogales may have caused the "largest telecommunications upgrade in the Western Hemisphere."

Customers testified during a marathon hearing in Arizona today about being hit by 11th Hour Delivery (DTH) lines at bank branches in Nogales and Pima Counties. Hours after the wires blew, applicants encounter a holding sheaf hanging over their heads waiting to be signed off onto.

Chairman Phil Fischer asked Verizon attorney Craig Polley if the companies downplayed upgrades at their expense. I read Polley's statement that was interpreted as a clean answer to that, Upgrades shouldn't be perceived as a cost to customers. But throughout this hearing I was astounded by some of the comments made by participants who admitted to not knowing much about DTH. More importantly, it seemed like the hearing dragged on way too long, and the sides vehemently argued to the letter.

During the 11+ hours of testimony I found myself thinking about how the entire operation from the customers throughout the bank ought to be cleaned up and hence laid to rest. The vendor supplied us with 24-hour service but many of the applicants appear to be in limbo for the past 16 hours waiting for the adjudication. When I checked Nogales bank at 6am yesterday there was no sign of any employees, only a pole poking up from behind the security monitor and the court hearing was not finished yet.

Is the whole experience overwhelming for the mostly elderly and disabled applicants? No, but they generally don't need to be. Given the scale of the settlement, one would expect that at least one qualified and proficient financial representative would be hired to keep the end users safe.

Who has control of the system other than the banks and financial institutions? Answer: none other than the customer. We often think we have customer to blame for the technologies which put us at risk, but often and we can certainly attribute overlier risks to bad judgment and sloppy technology.

Given all of that, now/never if they could just appoint a person who has no financial dependency or financial interest on the implementation of the technology. I'm betting none will, unless you count JP Morgan Chase JP.MK (NYSE: JPM) who bought another shopping franchise in California called Roots. Firms move headquarters regularly. And after JPM, there's nobody else out there which currently appears to be in a position