Group items tagged

What kind of services is Schmidt referring to when he says that Google is looking at Google+ as an identity platform that could support other services? Dave Winer thinks that the company wants to effectively become a bank — something he also suspects that Apple and Amazon are interested in as well — and that’s definitely a possibility. Apple and Google both seem interested in NFC technology (near-field communication), which turns mobile devices into electronic wallets, and having a social network tied to an individual user’s identity would come in handy. Ross Dawson says Google wants to build a “reputation engine” using Google+ as a platform.

At 500 Startups’ Smash Summit in New York today, Robert Scoble revealed that PayPal is launching something big with Facebook in two weeks, and that it would be a more expansive partnership than the existing PayPal-Facebook integrations.

Last year, PayPal announced its new micropayments product, which Facebook integrated. In early 2010, Facebook announced that you could use PayPal to purchase Credits.

“We’ve been talking for a while about how the four megatrends of mobile, social, local and digital will change commerce. Yesterday at f8, Facebook made some great announcements that will change social networking. When social and commerce join together great things will be possible and developers will be able to monetize these new developments very quickly.”

Mobile advertising revenue reached $700 million in the U.S. in 2011, according to Gartner research group. That’s a drop in the ocean compared to Internet ad revenue, which hit $7.3 billion in just the first quarter of 2011, according to figures from the Interactive Advertising Bureau and PricewaterhouseCoopers.

Concerns about privacy, tracking and the disclosure of personal information could limit the number of people opting in to targeted or local ad mobile campaigns, said Jason Koslofsky, an attorney who specializes in consumer privacy and telecommunications at Arent Fox. Businesses have also been hesitant for these same reasons. “It hurts brands if it looks as though they are generating spam,” Koslofsky said, adding,“companies shouldn’t want to be seen as though they are tracking their users’ every move.”

While 9% of adults in the U.S. said they would use their phones to learn about in-store promotions or event, interest in location-based offers was low, according to a report in February by Forrester Research. Only 6% of adults in the U.S. said that they are interested in receiving location-based retail offers on their mobile phones and only 4% are interested in receiving time-sensitive promotions such as daily specials.

Turning to the crowd has proven pretty popular with security types. In-Q-Tel, the CIA’s venture capital arm, recently began work on a prediction market aimed at forecasting computer security events. Darpa, the nerd cousin of Iarpa over at the Defense Department, tucked away some cash in its budget last year to farm intelligence, surveillance and reconnaissance data out to the crowd in search of better analysis. The Navy has even turned to crowdsourcing via online multiplayer games in order to hunt for better ideas against piracy.

Craig Mod dreams of a different sort of book: Imagine a future where instead of lending someone a book, you lend them your bookmarks. Where your notes, annotations and references are synchronized across platforms and applications. Where your bookmarks belong to you, and a record of every book you read is saved and stored securely, no matter how or where you read it. Kevin Kelly envisions how the publishing industry will adapt. Alexis Madrigal explores how the New York Public Library has moved beyond books, existing now as a social network with three million active users.

How could Google, the high priest of the cloud and the parent of Android, analytics and AdWords/AdSense, not be a standard-setter for platform creation?

Amazon's strategy seems to be to embrace "open" Android and use it to make a platform that's proprietary to Amazon, that's a heck of a story to watch unfold in the months ahead. Even more so, knowing that Amazon has serious platform mojo.

Case in point, what company other than Apple could have executed something even remotely as rich and well-integrated as the simultaneous release of iOS 5, iCloud and iPhone 4S, the latter of which sold four million units in its first weekend of availability?

Location-based check-in service Foursquare released a new version of its iPhone app today that adds a new feature called Radar, which takes full advantage of the latest version of Apple’s iOS 5 update.

Using iOS 5′s new region monitoring functionality, the Radar feature sends alerts to users about things they are interested in whenever they are physically near the area.

“Radar is a big step in the direction of Foursquare’s vision,” wrote Foursquare Head of Product Alex Rainert on the company’s blog.

With the excitement surrounding the arrival of undersea cables in Sub-Saharan Africa and the prospects of the smartphone revolution in bringing mobile connectivity to most parts of the continent, it is easy to forget for instance that the continent still has 1 domain per 10,000 users.

In education, there are the vast prospects that e-learning provides for students, but doing this in a way that scales is difficult in Africa’s low bandwidth environment. There are also prospects in various sectors ranging from agriculture to finance each with its own unique set of challenges.

Amidst this backdrop, the obvious respite for bridging the access gap appears to be through smart phones. However, majority of Africans can only afford the cheapest of phones which are typically low end phones. To truly expand access, smart phone prices will need to crash drastically and rural connectivity would need to expand dramatically. Save for these two actions, revolutionizing the continent via the Internet will continue to remain a pipe dream.

A recent video released by Hidden Creative has caused some discussion over augmented reality among netizens. The video explains that augmented reality technology is the way of the future. Users are able to use their cellphones or digital device to scan their surrounding and find out live information on the spot. The video also demonstrates how augmented reality can also overlay objects in a real-life space to help users with renovations by virtually rearranging furniture or configuring the colors virtually. Nevertheless, although most reactions to the video have been quite positive and enthusiastic, some bloggers are little bit more skeptical as to whether augmented reality is here to stay. Comments from Digital Urban included: “We maybe wrong but waving your phone around simply does not feel like the future to us”, “Augmented reality often just seems to be cool rather than actually good enough to be useful” and also “The way AR is presented here is not a step forward, it’s a step backward actually”.

Attention smartphone users: the recent launch of the first two satellites for Europe’s Galileo global navigation satellite system (GNSS) could make things a lot more interesting in about four years.

Galileo will deliver real-time positioning accuracy down to one meter range, compared to 10 meters for GPS, the European Space Agency (ESA) states, and it plans to give non-European users access.

Meanwhile, Apple’s new iPhone 4S has a chip that will be able to access Glonass (the Russian version of GPS), Engadget reports. Other manufacturers, including Qualcomm, Samsung Electronics and Texas Instruments, will also support Glonass — and Galileo as soon as it is operational — with new chipsets and software able to receive and integrate all three main GNSS systems.

Perhaps you’ve recently read about the Tampa Bay Lightning’s innovative chip-embedded jerseys. Blending physical gamification techniques such as a special badge to denote a certain level of status – in this case a season ticket holder – and embedded chip technology in the patch that issues those donning the jersey automatic discounts on concessions and merchandise while at the arena, the Lightning have a bona fide innovation hit on their hands. As a marketing ploy, you can not argue with the success of this experiment. As a technological innovation, what you see here – a piece of connected clothing – is just a rudimentary beginning of Web 3.0.

Intuit wants to give its customers a glimpse of the future of mobile payments through an adaptation of its GoPayment service that eliminates the need for credit cards. Tapping into the growing field of NFC (near-field communication) technology, Intuit's reimagined GoPayment service would let consumers wirelessly pay for items on the go through just a touch of an NFC-enabled cell phone. With the necessary NFC hardware and credit card information stored on a mobile phone, consumers could leave their money and credit cards at home and use their phones to buy items and services at stores, restaurants, and other retail outlets. Retailers themselves would be able to send certain information back to the consumer's phone, including receipts, coupons, and loyalty programs.

That's what a Danish startup called Senseye claims to be doing; they say they've got software for Android that uses the front-facing camera to track a user's eye movement and then uses that to control what happens on the phone's screen. They're not alone in working on doing that kind of work, either. Eye tracking could be a big new way that users interact with their devices.

If the company can really pull this off, Senseye could join the ranks of Microsoft's Kinect, Surface and the touchscreen mobile devices in what people are calling the Natural User Interface (NUI). A Swedish company called Tobii announced in-car eye tracking technology this week as well and these aren't isolated innovations.

Mobile banking will continue to grow next year across a multiple fronts. Not only will more banks jump into mobile with optimized sites and application, but financial institutions will also build their existing mobile programs with a variety of new services.

Much of the interest in mobile banking is being driven by consumers, who tend to interact more with a mobile banking solution than they do Internet banking. On average, customers use a mobile banking app three times per week and only use traditional Internet banking two times per week, according Malauzai Software.

“We see a demand for mobile via the application and text messaging,” said Jim Simpson, vice president of information technology at City Bank Texas, Lubbock, TX, which has over 30 locations across Texas.

The race right now is primarily between three parties – PayPal, Dwolla, Square and newcomer Clover Pay. Each of these services have its ups and downs, but it’s worth noting that they can all be used for peer-to-peer payments and that’s how we’ll be reviewing them.

PayPal Setup: Nearly instant. You can sign up for a PayPal account in just a couple of minutes, then have it funded from a credit card almost immediately after. Pros: Widely accepted payment form, in use by millions. Full-featured mobile app on iOS and Android, including the ability to scan checks for deposit. Tight integration with the USPS and eBay makes for easy collection and shipping. Cons: Often criticized for high fees. PayPal tends to lock down accounts for investigations with a guilty-until-proven-innocent approach. Terms of service disallow many actions, and are quite obtuse in important sections.

Dwolla Setup: Signing up for and using Dwolla is quick, but you’ll need to tie it to your bank account to fully leverage its abilities. This can take 3 to 5 business days, depending upon your bank. But, if your bank supports instant transactions, you won’t have the typical transfer lag. Pros: Dwolla charges only $0.25 per transaction, no matter how much money is being transferred. A highly-secure mobile app is available for Android and iOS. Instant transfers to and from your bank account, if your bank is part of the participating network. Dwolla is integrating with merchants, allowing you to pay directly from your account. Instant feature will “loan” you up to $500, charging a $5 fee only if you don’t pay it back before your statement is over. Cons: This could be a pro, depending on how you see it. Dwolla has no debit card function. It’s intended to be used as an extension of your existing bank account. Smaller base of users means that you’re not as likely to find a Dwolla customer for exchanging funds.

Big box retailer Home Depot is ramping up its mobile strategy by testing a PayPal-enabled mobile payment solution at select stores

The news marks Home Depot as the first retailer to sign on with PayPal as part of a bigger initiative from Paypal to bridge online and in-store traffic for retailers. The program has been in use since early December in five Home Depot locations in the United States and utilizes PayPal’s point-of-sale mobile payment service.

“Retail is changing with the emergence of these technologies that blur the lines between online and offline,” said Anuj Nayar, director of communications for PayPal, San Jose, CA

Wireless bandwidth is like land in Manhattan -- it's extremely valuable because they're not making more of it.

But we sure are using more of it. The wireless-industry association CTIA reported in October 2011 that the number of wireless devices in the U.S. had, for the first time, exceeded the number of people. And Mobile Future, a coalition of vendors and consumers, estimated in a March 2011 report that by 2014, voice traffic will comprise only 2% of the total wireless traffic in the United States -- a worrisome statistic because, as the report noted, smartphones consume 24 times more data than old-school cell phones, and tablets consume 120 times more data than smartphones. (See Data needs bandwidth, but how much? for details.)

The result: Wireless networks are edging near capacity, not just in the United States, but all over the world. Credit Suisse conducted a survey last year that revealed mobile networks in North America were running at 80% of capacity, with 36% of base stations facing capacity constraints. The average globally for base station capacity utilization, the report said, was 65%.