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Nearly 1 in 5 smartphone owners use check-in services [19May11] - 0 views

  • Nearly one in five smartphone users are tapping into check-in services like Foursquare and Gowalla, according to a ComScore report released yesterday. A total of 16.7 million mobile-phone subscribers used location-based services on their phones in March. That amounts to about 7.1 percent of the entire population of mobile users. But among smartphone users specifically, 12.7 million checked in with such sites during the month, representing 17.6 percent of all smartphone owners, ComScore said. For the purposes of its study, ComScore included such location-based check-in services as Foursquare, Gowalla, and Facebook Places.
  • Compared with most smartphone owners, those who used location-based sites on their phones also proved more likely to access other types of mobile content. More than 95 percent of them used their mobile browsers or mobile apps. Almost 62 percent grabbed the news on their mobile devices. And in a stat that will make retailers happy, almost one third of the users browsed to online retail sites on their phones, while one fourth accessed online shopping guides. Users of check-in sites also got a heavier dose of advertising. Almost 40 percent of respondents said they remembered seeing an online ad during March, compared with just 27.5 percent of all smartphone users who said the same thing.
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Badgeville & Janrain: Turning Serious Games Players Into Loyal Brand Advocates [29Apr11] - 0 views

  • “After carefully weighing our options for building a social rewards solution in-house versus integrating with a best in class technology provider, we selected Badgeville, a recognized leader in the space, for their comprehensive, lightweight and flexible platform,” said Larry Drebes, CEO, Janrain.
  • Badgeville jumped onto the scene when they won “Audience Choice” at TechCrunch last fall. Within two quarters they’ve captured 50 clients for their “white label” social rewards, loyalty and analytics platform.
  • Badgeville helps web publishers of all sizes increase audience engagement and unlock new monetization opportunities. The Palo Alto– based company provides platform that makes it easy for web publishers, to increase user loyalty and engagement. 
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  • Badgeville aspires to democratize the Foursquare experience beyond retail by enabling publishers and other segments to build their own game mechanics and incentives platforms.
  • Publishers who use Badgeville can set up an account, offer defined rewards and track visitor behavior with realtime analytics. Badgeville works for any company that has a community on its site: anyone from gaming to education, to retail and more can use the service to reward people for checking into a site, taking tests or simply browsing through products. Virtually anything can correspond to a badge reward.
  • “It’s not about pageviews anymore.” Publishers can award badges for the behavior of their choice, such as leaving a comment or becoming a fan of the site on Facebook. Readers can also compare their results to friends’ on social networks like Facebook.”
D'coda Dcoda

Why Twitter's Oral Culture Irritates Bill Keller (and why this is an important issue) [... - 0 views

  • Bill Keller of the New York Times has just written a provocative piece lamenting that new technologies are eroding essential human characteristics. I would certainly agree that almost all technologies, especially those with a cognitive element, transform the way we organize, value and manage our intellectual and social lives–-indeed, such complaints were raised, most famously by Plato about how writing was emptying words of their soul by disconnecting them from their living speakers. However, Keller makes not one but at least three distinct claims in his piece. I want to primarily discuss the one that he makes least explicitly and perhaps has never formulated directly himself.
  • first, let’s clarify the other two which are explicit.
  • here are the parts of Keller’s comments which have intrigued me
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  • Second, Keller argues that “there is something decidedly faux about the camaraderie of Facebook, something illusory about the connectedness of Twitter.” This line of argument, that our social ties are being hollowed out by digital sociality, is also fairly common. I’d like to start by saying that it is not supported by empirical research.
  • Increasing numbers of people even make connections online which then they turn into offline connections (See Wang and Wellman, for example), so that even actual “virtual” connections –which I have just argued are less common—are valuable for many communities who otherwise do not have abundant peers around them, say cancer patients or gay youth in small towns.
  • First Keller talks about how we no longer need to remember everything and how his father used to use a slide rule and now there are calculators and who knows their multiplication table anymore… This is a familiar argument from cognitive replacement and I believe it is worth discussing not necessarily because there is something inherently wrong with machines making certain cognitive tasks easier, but I do deeply worry about what this means for valuing humans. Cheaper computers increasingly capable of taking over human tasks means that we face a profound human problem: how will we deal with the billions of people who will be potentially redundant if the only way of measuring a human’s worth is their price on the labor market? For me, this is an important political question rather than a technological lament. It’s not about what machines can do, it’s about the criteria by which we judge the worth of our fellow human beings, and how advances information technology increasingly leads us to devalue each other
  • If the latter were the case, his ire would be more about Google; instead, most of his frustration is directed against social media, and mostly Twitter, the most conversational, and thus most oral of these mediums.
  • The shortcomings of social media would not bother me awfully if I did not suspect that Facebook friendship and Twitter chatter are displacing real rapport and real conversation, just as Gutenberg’s device displaced remembering. The things we may be unlearning, tweet by tweet — complexity, acuity, patience, wisdom, intimacy — are things that matter.
  • Then along came the Mark Zuckerberg of his day, Johannes Gutenberg.
  • But this comparison between Gutenberg and Zuckerberg makes little sense unless you realize that Keller is actually trying to complain about the reemergence of oral psychodynamics in the public sphere rather than about memory falling out of favor.
  • My mistrust of social media is intensified by the ephemeral nature of these communications. They are the epitome of in-one-ear-and-out-the-other, which was my mother’s trope for a failure to connect.
  • The key to understanding this is that while writing did displace the value of memory, the vast abundance of printed material it did something else also, something less remarked upon, both to the shape of our public sphere and also to our psychodynamics. It replaced the natural, visceral human oral psychodynamics with those of literate and written ones
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PR and Ethics in the Battle for Location-based Data [25May11] - 0 views

  • Micro-targeted ads were only the first step; now companies can easily link anyone's social media profile to their web-browsing habits, and sell that information to anyone who's interested. Google, Apple, Facebook, Microsoft, and others are, predictably, jockeying for lead position
  • Transformations of this magnitude are never confined to the market. Eventually, they spill over into the realm of politics and society. It's a familiar pattern: new technology enables new business practices. These practices, in turn, raise important social, political, and
  • Transformations of this magnitude are never confined to the market. Eventually, they spill over into the realm of politics and society. It's a familiar pattern: new technology enables new business practices. These practices, in turn, raise important social, political, and legal questions
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  • Facebook clearly understands that the media and public opinion form part of the competitive playing field. But they seem to have forgotten Business Ethics 101: Don't do anything that you'd be embarrassed to see on Page 1 of the Wall Street Journal or the Financial Times. That's not just good ethics advice; it's good PR advice, too. Rosanna Fisk, chief executive of the Public Relations Society of America, commented that Facebook's actions were "unethical and improper," adding that the affair had become a "PR nightmare."
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Location Based Social Media and The Rule of Three [14May11] - 0 views

  • n advertising circles there is an axiom that says that a customer has to be exposed to your product or service at least three times before they will convert. It's called the rule of three. It's why companies run remarketing campaigns. It's also an explanation for two conflicting surveys concerning location based social media.
  • In the first survey by Dubit, a youth communications agency, they found that 48% of teenagers surveyed had never heard of location based social media services such as Facebook Places and Foursquare. And of the 52% of the teenagers that had heard of these services, few of them actually used those services. The survey consisted of 1,000 teens between the ages of 11 to 18.
  • The second survey by Comscore's MobiLens showed that 16.7 million mobile users accessed check-in services like Foursquare and Gowalla. And 95% of those users regularly accessed a mobile web browser. The medium age range was 18 to 34. So what's going on? How can teenagers, who practically live and sleep with their mobile phones, be so out of the loop when it comes to location based social media? The answer is that they simply haven't been exposed to the services often enough to see the value.
Jan Wyllie

The Social Addiction - It's More Serious Than We Think [14Jun11] - 0 views

  • With a pool of nearly 1,000 college students in ten countries over five continents – including the US, the study sought to witness the effects of abstaining from social media and ALL media for a period of 24 hours.
  • The word “addiction” while not clinically relevant was surely on the minds of the students as this word came back repeatedly in responses. “I was itching, like a crackhead, because I could not use my phone.” – US studentFacebook is the social media “drug” of choice. “There is no doubt that Facebook is really high profile in our daily life.” – Hong Kong studentBut “Texting is the glue of social life.” “I found it hard not to text my boyfriend as I am so used to doing that as our main way of communicating during the day.” – UK studentA sense of isolation and loneliness came over many. “When I couldn’t communicate with my friends by mobile phone, I felt so lonely as if I was in a small cage on an island.” – China student Envy led to hostility. "I realized that I was having hostile thoughts towards those students who were walking around texting. I was jealous of them and it literally felt like some sort of withdrawal.” – US student
  • My first reaction after reading over all of the findings was ‘I think much of this is applicable to ALL social media and media users as a whole.’
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  • My next thought was ‘how pathetic we’ve become.’ How utterly pathetic and dependent we’ve all become on technology, which is truly what this is all about.
  • I am merely making the point of how dependent – and that truly is the operative word, we’ve become as a society.
D'coda Dcoda

Why Russia's Social Media Boom Is Big News for Business [19Jun11] - 0 views

  • By nearly every indicator, Russians are embracing social and digital media in ways deeper and more impactful than most other countries around the world. For those looking to do business in the former Republic, significant opportunities now exist to leverage this new wave of social adoption.
  • Consider that in the first four months after its January 2010 launch in Russia, Facebook use grew by 376%, and today more than 4.5 million people use the site regularly. Nearly three-quarters of those making the switch from homegrown social platforms such as Vkontakte (with tens of millions of members) to Facebook are under 27, signaling a generational desire to engage in global communities and interact with brands, celebrities, friends and politicians in decidedly new ways. Twitter usage, while still in its infancy in Russian, grew three-fold in 2010.
  • And while it should come as little surprise that nearly 80% of the Russian population owns a mobile device, the dramatic adoption of smartphone technology and advanced mobile usage are beginning to change the way in which businesses — and the government — communicate. According to Nielsen, Russians under 24 are the third-largest users worldwide of “advanced mobile data,” behind only China and the United States.
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  • While interesting in the macro-sense, these broad numbers paint an incomplete picture of the complex future of social and digital media in Russia. The real story behind the social revolution lies less in the initial platform adoption we are witnessing and far more in the sheer volume of engagement occurring within them.
Dan R.D.

CHART OF THE DAY: The Internet Has A Short Attention Span [09Sep11] - 0 views

  • The Internet has a short attention span. According to research by link-shortening service Bit.ly, click rates drop by half after about three hours for links posted on Twitter, Facebook, and regular Web pages (direct). For hot news stories, the dropoff is even faster -- within the first five minutes, those links get half the clicks they'll ever receive. YouTube has a much longer half-life -- around 7 hours. That's probably because watching a video requires more time and concentration, and can't be done as easily at work.
Jan Wyllie

Four mega trends shaping the future of commerce [18Sep11] - 0 views

  • In the next decade, we’ll see more change in the commerce landscape than in the past 100 years combined.
  • Mobile
  • by 2020 and each consumer will have approximately seven devices connected to the Internet.
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  • Local
  • By leveraging inventory sharing and local mapping, buyers can now access real-time inventory data while on the go
  • merging of mobile and local is also leading to the creation of entirely new business models and opportunities
  • Social
  • share it on her social network of choice and get a ‘thumbs up’ or ‘thumbs down’ within minutes
  • The explosion of consumer interest in social networks has spawned the so-called social commerce opportunity.
  • the group gifting apps and the ‘social shopping mall’ concept that allows sellers to offer their products directly to hundreds of millions of Facebook users.
  • Digital
  • Digital has changed everything—including how we use and think about currency. People now have the ability to bump phones together to pay off a friendly wager, order and pay for a meal
  • The Future
  • , the pace of innovation will determine which businesses will go boom or bust.
Dan R.D.

3 Steps to Create a Global Social Media Content Plan [05Oct11] - 0 views

  • Governance can mean a lot of different things. In this context, it needs to be the foundation of the content plan. Not in terms of content creation but in terms of standards and processes for expanding into a certain market. For example, Company A wants to launch a Facebook page and Twitter channel in Latin America to support its operations into that region. A governance model will ensure that the regional marketing team has the following lined up before launch: A content plan to include frequency and context of Tweets, Facebook Updates, blog posts (or whatever relevant tools/platforms are used in that region) An established moderation policy A crisis communication plan An understanding and “buy in” of the measurement philosophy (everyone in the organization SHOULD be measuring social media the same way)
  • Content Library If it’s one thing that marketing teams in other regions lack, it’s content. The reality is that most brands do have really good content. It’s just scattered all across the internet, various internal portals and even within employees’ inboxes. Content can include videos, PDFs, spec sheets, FAQ, blog posts, infographics and the list goes on.
  • Community Management Without an active community manager, a content marketing plan will fail. A community manager will not only be responsible for actively posting and aggregating content; but he/she is essentially the face of the brand and should be sanctioned to solve customer problems. A proficient community manager will answer questions and provide real and “tangible” solutions to disgruntled customers. Additionally, he/she should have the authority to provide rewards to random customers simply for being customers.
Dan R.D.

Ban.jo Breaches the Barriers Between Location-Based Apps [13Jul11] - 0 views

  • More and more social networks are offering geolocation. How does a person keep up without joining every service under the sun? A Palo Alto, CA-based startup called Ban.jo hopes to become geo-location central by allowing iPhone or Android mobile users to see who’s nearby, no matter what social network they may be using. Ban.jo founder Damien Patton, who launched the free app at the end of June, says it has already been downloaded in over 100 countries. He wants to make all geolocation services more useful to more people by eliminating the barrier of having to sign up on a case-by-case basis. So far, Ban.jo users can see the locations of people who have declared their locations via Twitter, Foursquare, Gowalla, or Facebook.
Dan R.D.

Banjo's New Mobile App Connects People & LocationsInternational Forum on Internet of Th... - 0 views

  • Banjo has three main goals. One is to connect you to your social networking friends you didn’t know were nearby – for example, a friend from Facebook or Twitter, killing time at the airport, only a few gates away from you. It also wants to hep you find out what’s going on nearby by providing access to status updates and tweets from everyone around you, in a radius you specify. And it provides you with a way to virtually visit other locations, even when you’re far away, to see what’s going on with the people there.
  • The people Banjo finds don’t necessarily have to have “checked in” using a location-based networking service like Gowalla, Foursquare or Facebook Places. While that helps, of course, Banjo is designed to also pull in locations from geotagged tweets, uploaded photos, and other media from all social networking services. Wait – all? Yes, that’s the plan. Patton says they have 22 services they’re focused on integrating now, but the company’s goal is to become a federation of all social networks, big and small, from around the world.
Dan R.D.

Crowdpark Raises $6 Million To Bring Legal, 'Social Betting' Games To Facebook (And Soo... - 0 views

  • Crowdpark, a Berlin-headquartered game developer, announced today that it has raised $6 million in series B financing from top German venture capital firms, Target Partners and existing investor, Earlybird Venture Capital. Waldemar Jantz, partner at Target Partners, will be joining the startup’s board as a result of the investment. The new round of funding brings Crowdpark’s total to $8 million. Why should you care? Well, Crowdpark is aiming to give gamers their fix of legal gambling, er, betting. Using its patented “dynamic betting” technology, Crowdpark enables forecasting in realtime for social gaming in much the same way the brave among us play the stock market. Unlike its social gaming competitors, the German startup allows gamers to compete against each other in betting events using virtual currency. This includes the opportunity to bet on real world events taking place in everything from sports and entertainment to news and technology.
Marc-Alexandre Gagnon

Adding Gamification to Your Community | Social Media Today [25Oct11] - 0 views

  • It is interesting to see gamification now being applied in a marketing/website/community context, because many marketers and community managers have already been using these techniques to build engagement for several years.
  • there are many ways to incorporate game mechanics into a community and which ones are appropriate depend a lot on the make-up of your community audience and what the ultimate goals for the community are.
  • my belief is that you need to gradually introduce new elements into a community and make sure that any new features are fully explained and documented.
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  • According to a definition in the Gamification Wiki,"Game Mechanics are constructs of rules and feedback loops intended to produce enjoyable gameplay."
  • Before you can add gamification to your community, you need to really understand your community.
  • Recency -- when was the last visit? Frequency -- how often does the member visit? Duration -- how long do members stay on the sight when they visit? Virality -- how often do members share content on the site?  and how much is their sharing amplified through their network? Ratings -- how often do members rate content on the site?
  • Community Goals
  • What goals are you trying to accomplish with the community?  Can you measure them?  Do you have any elements of gamification incorporated into your community today? Does your community platform support gamification elements?  Can you track your measures in your community system?
  • Measures of Engagement for a Community
  • Do you have an open or closed community?  Is your community a professional, social, support, informational, hybrid or something else community?  How do you want members to use the community?  How many members do you have and how many do you add in a typical week or month?  What is the typical member profile?  How engaged are your community members?  How do you measure engagement?  What motivates your members to join, participate and stay engaged in the community?  Do you have robust member profiles?  Are member profiles searchable?  Can members 'friend' or message other members?  Do you have a way for members to add their Twitter or Facebook accounts to their profiles?  How  easy is it for members to share content on other sites?
  • Suggestions for Community Gamification
  • Robust profile system [self-expression, status, achievement]-
  • I also want members to receive recognition for their achievements by earning badges that can be displayed on their profiles and announced via their social networks.  As a community manager, I want to be able to create different types of badges including limited edition or special occasion badges.
  • Point system [competition, achievement, reward, status] -
  • I definitely want to keep track of points, but I want to be able to customize the calculation of the points.  I don't know what the ideal point values would be, but I know that I would want to experiment with rewarding members for recent visits, the frequency and duration of their visits, their sharing of content on the site or in their social networks, creating content, participating in discussions or rating content.
  • Leaderboards [reward, status, achievement, recognition, competition] -
  • Customization is also important in the leaderboards.  I want to have multiple leaderboard; for example, I may want a weekly, monthly and all-time versions of the leaderboard that I will post in different parts of the community site to recognize leaders who are currently contributing the most to the community experience and to others who have been long time contributors.
  • Badges [status, achievement, reward, recognition, competition, self-expression]
  • First of all, the member profile system needs to be robust with the option to upload a picture and have free form bio descriptive fields.  Most importantly, I should be able to link my profile to my Twitter, Facebook and LinkedIn profiles and possibly use single-sign-on use those services.  The profiles should also keep a history of a user's activity, badges and points.  Another requirement for the profile system is that members should be able to create virtual friendships or groups within the community site.
  • Content ratings have been around for awhile, and they are an important part of increasing engagement.  I would push the envelop further by making it easier for users to share their content ratings and to search for content based on the rating.
  • Content rating [altruism, self-expression] -
  • Content sharing [altruism, self-expression] -
  • Members must be able to easily share content they like within their social networks, via bookmarking sites and by email.
  • Challenges [competition, reward, achievement]
  • As a phase 2 implementation, I would also want to add some custom challenges to my community to drive additional engagement.  I am not sure what form these would take, but I would start thinking about how to incorporate challenges while implementing the other elements noted above.
Dan R.D.

Follow-Up: Gerloff Chimes in on YaCy | WebProNews - 0 views

  • YaCy has no web portal like that of traditional search engines, instead it relies on users to download a peer-to-peer software client, which crawls the web from users’ computers, and indexes sites they visit.
  • Instead, each user gets to make these decisions locally. The portal at search.yacy.net is just a limited demonstration. To get the full experience, you have to install YaCy locally (this usually takes no more than a minute). Then your computer will be part of the YaCy network, and you will be able to draw on the whole network for search results.
  • At FSFE, we find YaCy highly interesting because it’s part of a trend to replace centralised systems with distributed ones. We have Diaspora and other distributed social networks as an alternative to Facebook. We have identi.ca and its status.net platform as an alternative to Twitter, which users can install and run on their own servers. YaCy is one of less than a handful (to my knowledge) of distributed search engines.
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  • For more information about YaCy, see here.
Dan R.D.

8 Mobile Marketing Trends You Should Track In 2012 | Business 2 Community - 0 views

  • With 2012 fast approaching along with it comes new mobile marketing opportunities that your business should follow as you consider efforts to spread the word about your brand and products and services through mobile. 
  • Mobile Visitation Grew 200% 
  • 2011 has been a breakout year for growth in mobile visitation.  It featured a steep rise in text messaging, smartphone purchases and mobile advertising. Corporate use of mobile websites grew 210 percent in the last 12 months!
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  • Retailers have been particularly aggressive in pursuing mobile strategies this year, with 37 percent operating specially-tailored mobile websites (compared to 12 percent in 2010) according to Acquity Group.
  • So what’s in store for mobile marketing in 2012? Here are our top trends to watch:
  • Mobile Trend # 1 – Smartphones to Overtake Other Mobile by 2012 
  • Smartphone units sold worldwide in 2009 will grow 14.5% from 2008 levels, according to a forecast by Infonetics.  READ MORE
  • Mobile Trend # 2 - Text Messaging Will Rise
  • Mobile Trend # 6 – Increased Mobile Spending 
  • Mobile Trend # 3 – Social Networking Site Access
  • Social networking sites will get more exposure on mobile phones.
  • Facebook’s official page sites, there are currently 350 million active users that access Facebook on their mobile phones.
  • Mobile Trend # 4 – Rise in Social Games
  • Mobile Trend # 5 – Location-Based Marketing
  • Sounds surprising, right? That novel technology can be achieved by Wi-Fi, RFID, and mobile phone tracking.
  • Text messaging will rise to a projected 8 trillion SMS in 2012. This is a rise of about a billion from the 6.9 billion SMS sent in 2011.
  • There will be a large increase in spending by SMBs on mobile advertising.  The $1.6 billion figure garnered last 2010 more than doubled to $3.3 billion in 2011, and 2012 is predicted to double that enormous figure again.
  • Mobile Trend # 7 – More Video on Smartphones
  • Videos will become a greater trend in mobile marketing. 
  • Mobile Trend # 8 - Mobile Money Transfers
  • More currency will exchange through mobile phones. 2011 saw $86.1 billion move around the world in about 141 million exchanges.
  • To sum up, the prosperity of 2011 for mobile marketing will carry over to 2012, with possibly more frontiers to open up.
Marc-Alexandre Gagnon

How Mobile Payments Will Evolve In the Next Several Years - 0 views

  • Mobile payment has become a mainstream tech topic in the last couple of years, mirroring the rise of smartphones and application stores. E-commerce is becoming m-commerce. The focus point of the buzz has been the evolution of near-field communications as related to smartphones. The thing is, nobody in the payments industry expects NFC to be a player in mobile payments for years, if ever. In that case, what does the mobile payments ecosystem look like in the short term?
  • The current mobile payments market centers around several cores: direct carrier billing, mobile wallets, online and offline sales, mobile credit card readers and application stores. During meetings with various mobile payments experts and executives at CTIA last week, the most uttered phrase was: "This is not something I would use to buy a fridge." Where are mobile payments going?
  • The Non-Promise of NFC OK, let us get one thing straight: NFC may never be a widely used form of payments. There are so many reasons why it will not be. Foremost, the logistics of NFC are a nightmare. The actual technology is probably ready. The infrastructure around the technology is not. There are too many competing interests coming from above the retail market that creating a universal NFC reader between smartphones and financial services is not going to happen anytime soon. The closest thing to a widely used system would be Mastercard's PayPass, but even as widespread as that is, it is no where near the type of market penetration that would create an inflection point for NFC to take off. Second, PayPass needs a software upgrade to offer any type of deals, something that will be important in the mobile payments world.
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  • The second half of the NFC conundrum is that there are a lot of hands reaching for the supposed pile of money that NFC payments will enable. Look at Google's announcement of the Wallet product. Or the ISIS partnership between Verizon, T-Mobile and AT&T. Google is partnering with Mastercard, CitiBank, Sprint, FirstData, Verifone, VivoTech (the NFC partner), Hypercom, Ingenico and NXP (another NFC partner). All of these large companies are going to want a slice of the pie. Where does that leave the retailers? You know, the ones that are actually trying to make money with good and services? Sadly, on the outside of the circle. The carriers are the biggest culprits, wanting to take as much as 50% of transaction revenue because it is "going over their pipes." The financial services companies will be happy taking their normal rates in the 1.75% to 3% range as long as there is a promise that more people will pay electronically (read: sans cash). Between retailers, partners and infrastructure, NFC has years to go before it will be viable for all parties involved.
  • What will happen in this time frame? Think about the so-called "4G" technology WiMax. The technology is already becoming antiquated with LTE and all the major carriers are working on the next version after that. Sprint is keeping a hybrid of WiMax and LTE going forward but overall it is a tech that died before it even matured. NFC may be the same. What if there are massive leaps in quantum teleportation in the next several years? Does NFC become the WiMax of the payment world?
  • Maturation Of Direct Carrier Billing The "I do not see myself buying a fridge with this" line comes mostly from the direct carrier folks. Direct carrier billing is the perfect area for micro-payments and payments that stem from ease of use. Think of parking. If you could pay for your parking on the street with your phone, would that convenience be worth an extra couple of cents on the dollar to you? The direct to carrier ecosystem has evolved to the point where it actually makes sense for offline and online use. Zong (acquired by eBay for PayPal integration), PaymentOne and Boku are the leaders in this space. PaymentOne has processed $5 billion in mobile payments and lets users pay with their phone numbers, validating transactions via text. Zong allows that capability as well. Payment One's "One Care" features, announced last week at CTIA, makes direct to carrier billing safe and secure. Transparency is important in mobile commerce because consumers do not really trust their phones to handle their money quite yet. The most important aspect of direct to carrier billing now is that the revenue mechanism has been flipped. It used to be that merchants only got some 40% or less of payments while the carriers and partners took the rest. Even with high margin transactions, that is unacceptable. Today, direct to carrier billing provides the merchants with more than 80% of the revenue, sometimes nearly 95%.
  • The Dongle World: Smartphones As Credit Card Readers Square, VeriSign and Intuit are pushing hard into the dongle department. Jumio is doing the same thing, just without the dongle. There is not much to be said about the dongle world that we have not already touched on at ReadWriteWeb outside of the notion that it is bringing easy credit card readers to the mobile masses.
  • The dongle competitors are not worried about what is happening in the ecosytem because it does not really touch their core business. For instance, PayPal does not see NFC or dongles infringing on its business in any way, shape or form. As Laura Chambers, PayPal's head of mobile, said in a recent interview, "we are not worried about much in the ways of competition. There is a lot of white space in the industry for horizontal movement."
  • What Is PayPal Really Doing? In the interview with Chambers, the first question I asked was, "Why does it seem like PayPal has become a "me too" operator in mobile payments?" It is a fair question, even if Chambers balked to acknowledge that PayPal has been in "me too" mode for the last year or so. PayPal has ignored the dongle movement and NFC is not on its radar as a technology it feels it needs to integrate. "What is the difference between a tap versus a swipe?" Chambers asked. "We are working with what works in the current infrastructure ... We have sat down with consumers and merchants to work with them on what they want." PayPal is growing sideways because there is not a ton of room right now to grow vertically. PayPal will get into NFC solutions when the time is appropriate. Its strategy now is to create as much flexibility for consumers as possible through its mobile wallet program. PayPal's stance is data driven - the company can track when and what consumers buy from mobile phones and tablets. Hence, PayPal is focusing on the shopping end of the spectrum, as opposed to a pure payments play. "60% of people buy more and spend more on mobile," Chambers said. "But, we see that people are not really buying different things on mobile ... the No. 1 driver of growth in mobile payments is boredom." That fits in well with what PayPal sees as "couch commerce." They released a study recently saying that mobile shopping is going to boom this holiday season. As such, PayPal is ready to deploy an end-to-end solution for merchants and consumers to reward loyalty and provide deals and offers along with digital receipts. PayPal believes that it has a lot of room to grow in mobile through these types of horizontal movements. We are also seeing this on a non-mobile front with eBay partnering with Facebook and the Open Graph API and the new X.Commerce initiative that consolidates the PayPal, Zong, Magento, RedLaser and Milo technologies. The company is calling it an "open commerce ecosystem."
  • Future Of Mobile Payments This article is the first in a series of the trends in mobile payments that ReadWriteWeb will be working on in the next several months. There are a lot of questions and the answers are just beginning to emerge. Who are the winners in the space? Are retail shops in danger of "becoming expensive fronts for online shopping," as Chambers said in the interview? Does NFC really have potential to disrupt offline payments or is it just cool technology? These questions and more are what we will be tackling in the months to come.
D'coda Dcoda

Google doubles Plus membership with brute-force signup process - 0 views

  • Google CEO Larry Page trotted out an impressive statistic during last week's quarterly earnings call: Google+ now has 90 million users, double what it had three months ago. Even better, 60 percent of those users are engaged daily, and 80 percent weekly.
  • But those users aren't necessarily engaging with Google+. Any action taken during a logged-in Google session—whether it be searching the Internet, checking Gmail or using Google Docs—counts as engagement under the statistic Page used. Google has refused requests from journalists and interested bystanders to reveal exactly what percentage of those 90 million signed-up Google+ users actually view Plus content each day, week or month. Instead, Google is arguing that it doesn't matter: Google+ is so integrated into the overall experience that what matters is the number of users interacting with any Google site. Combined with other steps Google has taken to integrate Plus into search results and other Google properties, the message is clear: Eventually, Google Plus will just be there whether you want it to or not.
  • On Friday, the Google Operating System blog (not affiliated with Google) wrote a post titled "New Google Accounts Require Gmail and Google+." While this isn't strictly true, the blog demonstrates how Google is making it difficult for new users not to sign up for Google+.
Marc-Alexandre Gagnon

How Amex, Foursquare, and Others Advanced the Digital Wallet in 2011 | ClickZ - 0 views

  • The so-called digital wallet made important strides in 2011, sometimes eliminating the logistical need for paper vouchers, mobile apps, QR codes, and even cell phones.
  • At times this transition seems to be sneaking up on us. Earlier this month, thousands of merchants nationwide didn't know they had gained foot traffic and sales thanks to American Express and Foursquare. Amex rewarded consumers who synced their credit cards with their Foursquare accounts with $10 back if they spent the same at local businesses after checking in with the geo-social app. That effort followed up a successful post-Black Friday stint dubbed "Small Business Saturday," when Amex users checking in on Foursquare could get a $25 credit if they spent $25 with a local merchant.
  • Jake Furst, a business development director at New York-based Foursquare, said there was little to no organizational outreach to local businesses. "The merchants didn't necessarily know what was happening as we drove customers to their locations," he explained. "Small Business Saturday was a huge success. We got a ton of interest from Foursquare users and Amex card holders that didn't know about Foursquare yet."
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  • While the aforementioned offers have expired, merchants can set up new Foursquare check-in deals via Amex's "Go Social" self-service center for SMBs.
  • Here's how the Amex-Foursquare marriage works for consumers: Sync Amex card with Foursquare account online. Check in at a location. Tap a "redeem offer" button. Pay with Amex card. Get a Foursquare push notification about the money-back reward (see image) within moments after the card is swiped by the merchant.
  • Swipely has begun working with 150 merchants in Boston, its launch market. The start-up offers consumers the chance to sync a credit card to its loyalty program. From there, whenever they spend money at a participating merchant, they can receive a reward or discount. Swipely supplies local businesses with point-of-sale signage and materials to promote the program.
  • Angus Davis, Swipely CEO, said his product should attract consumers and businesses alike because of its usability. There's no need for a smartphone app, much less a printed voucher, he said, in order for shoppers to get rewarded for retail store visits.
  • "Consumers don't have to change the way they behave in order to check in," Davis said. "Nor do they have to change the way they pay by scanning a QR code [or] using newfangled technology. Our program employs technology that everyone already has and uses."
  • He added, "For the local merchant, the program doesn't require any changes in the store. They don't have to upgrade hardware, install software, implement any special cards, or re-train their staff."
  • The 33-year-old CEO said his company would expand to New York, San Francisco, and other major cities in the first half of the upcoming year. "I do think that 2012 is a very ripe time for disruption," Davis said, "especially as the payment space interacts with Main Street merchants."
  • Other noteworthy developments as digital wallets came into focus during 2011: March/April:Groupon and LivingSocial launch "GrouponNow" and "Instant Deals", respectively, which allow consumers to buy time-sensitive offers with one click on their smart phones. To use the mobile commerce feature, users need to input their credit cards into their daily deals accounts. May 9: Scvngr struck a partnership with American Express to make redeeming LevelUp deals easier for consumers. Amex members who buy the deals need only use their cards while making a purchase to get the discount. As is the case with Swipely, it's not necessary to show the store clerk a paper voucher, barcode, or message on a mobile screen. May 26: Google introduced Google Wallet, which lets consumers pay for Google Offers and other items through their Google account. The Wallet mobile app works with credit card users for Citi, MasterCard, and First Data. Aug. 1: Verizon partnered with Amex to serve as the mobile carrier's digital wallet platform. The telecom was one of the first in its competitive space to create its own digital wallet.
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