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Marc-Alexandre Gagnon

Boku rolls out NFC payments in France - Mobile Commerce Daily - Payments [26Aug11] - 0 views

  • Mobile payments company Boku is letting French consumers pay for virtual goods and services via their handsets.
  • The company is partnering with French carriers Bouygues Telecom and SFR. The deal will reach 32 million French consumers.
  • “France is a top priority for us in international markets, and we decided we wanted to tap into it in 2010,” said Ron Hirson, cofounder/president of Boku, San Francisco.
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  • “This deal will make it possible for consumers to buy things on their handsets without worrying about the restrictions of multiple carriers,” he said.
  • Boku is a global payment system focused on using the telephone number in more than 66 countries.
  • With Boku’s Internet + Mobile service, consumers will be able to buy virtual and digital goods from their handsets, including Facebook credits and games.
  • Merchants who  use the service can use Boku for purchases up to approximately $15.
  • Consumers can click the Boku button at the point-of-sale to make purchases. They are then taken to a landing page where they enter their phone number and view the amount.
  • To confirm payment, Boku sends consumers a text message. The purchase is then sent to their carrier bill.
  • “For customers Boku is great because it has a fast transaction time, and merchants get higher payout rates,” Mr. Hirson said. “People are more comfortable typing in their phone number than giving away their credit information,” he said. “Our model is based off of the mobile payment industry we saw in South Korea with virtual goods and a low average transaction flow.”
  • Boku is only one of a string of companies that see the telephone number as a key to unlocking mobile payments, especially in European markets.
  • Most recently, Payfone opened up its services to European mobile payment company Fortumo to draw in new merchants and consumers. (see story).
  • In the United States market, NFC payments are gaining traction with companies including Google, Mastercard and Citi claiming a spot next to Isis – a partnership between U.S. carriers and Discover Card and Barclaycard (see story).
  • “I think we’ll see more mobile payments being used with physical things like music, movies and other low-ticket items,” Mr. Hirson said. “I think we’ll also see a wave with NFC payments because there is a lot of interest and use around it,” he said.
D'coda Dcoda

10/4/19 Forget Social Networks; Enter Social Force Fields - 0 views

  • A new phase in social media underway.
  • Force Field Analysis in Social Sciences analysis reflected on how things are accomplished or hindered by the way that people internalize external experiences in the process of their own psychological development.Now, suppose that an individual goes out and influences social situations in their community.  Also suppose that social media could amplify the persons exterior impact – this would likewise impact internal psychology, etc., setting up a form of polarity between two positions.  The greater the difference (diversity) in those positions, the greater the potential (energy state) of the outcome.The “Local Social” Force FieldSocial media is about to enter a new phase called “local social”.  The hyperlinks that bind the web will become the hyperlinks that bind a community.  The difference is that hyperlinks in “Global Social” environment converge down to specific information, Hyperlinks in Local Social will diverge up to diverse knowledge assets.Read more at www.ingenesist.com
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    A new phase in social media underway.
D'coda Dcoda

Measuring the Net's growth dividend [27May11 - 0 views

  • The Internet is a vast mosaic of economic activity, ranging from millions of daily online transactions and communications to smartphone downloads of TV shows. Little is known, however, about how the Net in its entirety contributes to global growth, productivity, and employment. New McKinsey research examined the Internet economies of the G8 nations (Canada, France, Germany, Italy, Japan, Russia, the United Kingdom, and the United States), as well as Brazil, China, India, South Korea, and Sweden. It found that the Internet accounts for a significant and growing portion of global GDP. Register to continue.
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    McKinsey Quarterly - Economic Studies - Productivity & Performance
Dan R.D.

Global payment solution - InMobi's new mobile payments service to reach three billion u... - 0 views

  • InMobi SmartPay™ will enable app developers, game companies, and content providers in the US $200bn mobile content and virtual goods space to expand their business and monetize their users quickly and easily into new markets by providing a one-time, no-cost, single point of integration across multiple countries.
  • The solution offers consumers a seamless, pure mobile checkout experience using secure, direct to carrier billing to start, but expanding to all forms of mobile payment methods including credit cards, PayPal, and local mobile wallets by the end of 2011.
  • †The new solution already offers reach to over one billion consumers in seven countries, including the US, UK, Germany, India, Indonesia, South Africa, and Malaysia, with huge growth plans to expand to over three billion consumers in 30 countries by the end of the year.
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  • a key technology enabler within the global mobile ecosystem, especially for the developer community," said Naveen Tewari, CEO of InMobi,
Dan R.D.

Majority Of Smartphone Users Online "Multiple Times" Daily - 0 views

  • In New York, at the Mobile Marketing Association forum, Google presented sponsored research on global smartphone user and marketer behavior. The data come from two related studies. The first is an “an online survey of thousands of mobile consumers in 30 countries.” The second is based on “a telephone survey of 1,000 marketing decision makers,” with a focus on US, UK, Germany, France and Japan.
  • More than Half of Smartphone Users Online Daily In the US smartphone penetration stands at about 36 percent according to the most recent Nielsen data. In Western Europe, on a percentage basis, the numbers are higher in several countries. The Google research showed that increasingly smartphone users go online daily and that many are on the mobile internet multiple times a day: US — 58 percent (online) 53 percent (multiple times) UK — 55 percent (online) 49 percent (multiple times) France — 59 percent (online) 47 percent (multiple times) Germany — 45 percent (online) 42 percent (multiple times) Japan — 78 percent (online) 68 percent (multiple times)
  • Almost All Local Info Seekers Take Action Here’s what the data showed about local-mobile information seekers and then the percentage who have “taken action” after a local search/lookup: US — 90 percent (search/lookup) 87 percent (took action) UK — 81 percent (search/lookup) 80 percent (took action) France — 83 percent (search/lookup) 83 percent (took action) Germany — 85 percent (search/lookup) 79 percent (took action) Japan — 90 percent (search/lookup) 80 percent (took action)
Dan R.D.

Do we need defined hours of work any more? [02Sep11] - 0 views

  • Are defined hours of work an anachronism that’s holding us back? Or is the freedom to work whenever we want something still reserved for a select few, and/or a trap that causes us to work more rather than less?
  • Flexible work is something that seems increasingly popular with programmers and other online workers, for reasons that Zach Holman of the software repository GitHub described in a recent post on the GitHub blog, entitled “Hours Are Bull****.” Holman said that for most of the staff who work on the service, there are no defined working hours whatsoever — everyone is on their own schedule and they work whenever they need to in order to solve the problems that need to be solved. As he puts it:
  • Hours are great ways to determine productivity in many industries, but not ours. Working in a startup is a much different experience than working in a factory. You can’t throw more time at a problem and expect it to get solved. Code is a creative endeavor… We want employees to be in the zone as often as possible. Mandating specific times they need to be in the office hurts the chances of that.
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  • Unstructured work is not for everyone That kind of approach, which management consultants like to call a “results-oriented workplace,” might be fine for a creative endeavor like programming or design, or even for businesses (like GigaOM’s) that involve brain-powered work such as writing.
  • There’s another risk Holman’s description of the new unstructured workplace brings up, something we’ve written about a lot at GigaOM, and that is the impact that this can have on the “work-life balance” of employees. Says Holman:
  • By allowing for a more flexible work schedule, you create an atmosphere where employees can be excited about their work. Ultimately it should lead to more hours of work, with those hours being even more productive. Working weekends blur into working nights into working weekdays, since none of the work feels like work.
  • Knowledge workers of all kinds find themselves answering emails or responding to text messages at all hours of the day and night, working on weekends, and so on. And the increasing globalization of many industries has just accelerated this phenomenon, since some staffers or contract workers may be in completely different time zones.
  • One thing is clear, however: This phenomenon isn’t going away; if anything, it is increasing, as more work becomes knowledge work, and as more companies try to adapt to a cloud-based and global world (flexible hours and an increase in freelance or contract work also has real benefits for companies in terms of lower costs, some of which are pushed down to the individual worker, such as the cost of health benefits).
  • Companies like VMWare are trying to help figure out how the nature of work changes when it occurs in “the cloud” and the workforce moves toward what CEO Paul Maritz calls the “post-document era.” Instead of sitting at desks moving paper around, more people are working in ways that are difficult to define, that involve streams of information that don’t start or stop at specific times.
  • Netflix has what it calls an “unlimited vacation” policy, which allows workers to take time whenever they need it, provided they arrange to have their work completed when necessary. Social Media Group, a Toronto-based consulting firm, is another that has taken this approach — one that CEO Maggie Fox described in a recent blog post.
Dan R.D.

More Africans have access to mobile phones than to clean drinking water [02Oct11] - 0 views

  • In South Africa, the continent’s strongest economy, mobile phone use has gone from 17 percent of adults in 2000 to 76 percent in 2010. Today, more South Africans – 29 million – use mobile phones than radio (28 million), TV (27 million) or personal computers (6 million). Only 5 million South Africans use landline phones. Nielsen’s recently released Mobile Insights study in South Africa, which examined consumers’ usage of and attitudes toward mobile phones, networks and services, reveals a number of interesting insights such as: -- Nokia rules: More than half (52%) own that company’s handsets, followed by Samsung and BlackBerry, and 56 percent of those currently using other brands indicated their next handset would likely be a Nokia. -- SMS text messaging is practically ubiquitous among South African mobile customers, and is used by almost 4.2 times more people than e-mail. More than two-thirds (69%) of consumers prefer sending texts to calling, in large part because it is less expensive, and 10 percent believe texting to be a faster way of communicating.
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.

Toward a Global "Internet of Things" [11Nov03] - 0 views

  • The EPC network, using tiny RFID (Radio Frequency ID) tags, will enable computers to automatically recognize and identify everyday objects, and then track, trace, monitor, trigger events, and perform actions on those objects. The technology will effectively create an "Internet of things." RFID will fundamentally impact the industries of manufacturing, retail, transportation, health care, life sciences, pharmaceuticals, and government, offering an unprecedented real-time view of assets and inventories throughout the global supply chain. And in the process, whole new vistas (and challenges) will open up to software developers.
Dan R.D.

Current Analysis Ranks AT&T a Top Provider of Machine-to-Machine Services [21June11] - 0 views

  • According to the Current Analysis report, AT&T's strengths include: Providing "custom solutions" for companies, including expanded professional services, targeted to specific business needs Offering cost-effective services to global customers, with expanding global M2M footprint Developing key relationships with platform providers to provide enhanced services for M2M customers Excellent traction with 12 million Connected Devices in Q1-11 "AT&T continues to add value to its M2M solutions," wrote Kathryn Weldon, Principal Analyst, Current Analysis. "AT&T has made a number of recent alliance announcements with application platform providers, which adds to its arsenal of solutions."
Dan R.D.

Brisbane community weather monitor plugs into the Internet of Things [04Jul11] - 0 views

  • David McCullough has connected up into Pachube’s public platform, to share, store and visualise weather sensor data, using the Opengear ACM5000 smart device server
  • Pachube is a global data brokerage platform for the Internet of Things, managing millions of datapoints per day from thousands of individuals, organisations and companies around the world. By sharing data feeds from and between physical Things, such as environmental sensors, smart meters, building management and process control systems, Pachube provides a globally distributed data ecosystem and application development platform.
  • The Opengear ACM5000’s Linux system under the hood made integrating Pachube API support quick and easy using the free Opengear Custom Development Kit. The ACM5000’s legacy as an industrial-grade, rugged device that is proven and reliable in harsh environments, and wide array of network and data ports, make it an ideal solution to provide network connectivity and data telemetry for things such as weather stations.
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  • Dr Brendan Baker, Business Development Manager for Opengear. “The challenge is both in opening up this mass of data, and turning it into usable information. That way, every day things can make smart decisions based on their environments – say a hot water system that activates only as needed based on learned household habits, or even negotiates a tariff with the gas provider.”
  • . “Opengear smart devices aren’t limited to providing the plumbing to securely connect these systems, they are capable of making the smart decisions at the edge. We are already seeing them rolled out in these kinds of applications, particularly in utilities, security and health sectors and as part of smart cities initiatives.”
Dan R.D.

Mobile Industry is Now 2% of the World's GDP, Analyst Reports [07Jul11] - 0 views

  • Researchers for the Chetan Sharma Consulting group have put together a 2011 State of the Global Mobile Industry mid-year assessment and have come up with some very interesting results. The entire global mobile market weighs in at about $1.3 trillion or close to 2% of the world's gross domestic product. Of that giant $1.3 trillion pie, about $300 billion is expected to be through data revenues. That means that people are starting to use data at much higher rates and Americans are on the forefront of data usage even as India and China are the fastest growing mobile markets in the world.
  • "Mobile is fundamentally reshaping how we as consumers spend from housing and healthcare to entertainment and travel, from food and drinks to communication and transportation. Mobile not only influences purchase behavior but also post purchase opinions. When the share button is literally a second away, consumers are willingly sharing more information than ever before. Mobile is thus helping close the nirvana gap for brands and advertisers who seek to connect advertising to actual transactions. The long-term battle is however for owning the context of the users. Having the best knowledge about the user to help drive the transaction is the simply the most valuable currency of commerce."
  • There will be more than six billion mobile subscriptions by the end of 2011. According to the report, it took 20 years of mobile development to reach one billion connected devices. The jump from five billion to six billion took 15 months.
Dan R.D.

US Trails China In Almost Every Mobile Usage Trend [24Oct11] - 0 views

  • Mobile device usage has spread across the globe. In terms of mobile penetration, the United States is actually on the lower end of the worldwide spectrum, with only 77% cellular device ownership. That seems counterintuitive to the way the U.S. views itself as the heart of mobile acceptance and innovation. It is China and other Asia-Pacific countries that really lead in mobile adoption. Research firm Forrester released a study last week showing global mobile usage trends. In almost every mobile usage aspect, metropolitan China and other Pacific Rim countries lead the way. That includes mobile social usage, work usage and multiple device ownership. Mobile is near an inflection point, changing the way people interact with information around the globe.
Dan R.D.

Forget wallets. What else is NFC good for? - Tech News and Analysis [16Dec11] - 0 views

  • Near-field communication (NFC) has been trashed by critics, who say it adds no value to consumers or is a technology in search of a need. But as we’ve pointed out, NFC is just a technology that can applied in a lot of different ways, apart from the digital wallet framework through which many people understand it.
  • Increasingly, we’re seeing more and more interesting projects and applications being built that show how NFC will be deployed outside of mobile payment situations. This not only indicates how flexible the technology is but also could help propel the overall technology in adoption, as consumers become aware of NFC and learn to use it for a variety of reasons.
  • Right now, NFC is still below the radar for most U.S. consumers, and the slow roll out of Google Wallet or the pending launch of Isis next year are, by themselves, only going to accelerate NFC adoption by so much. But having a host of uses for the technology could open people’s eyes and push them past any usability or safety concerns.
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  • San Francisco announced earlier this week it was partnering with PayByPhone to enable 30,000 parking meters with NFC support. 
  • Intel and MasterCard have teamed up to enable future Intel-powered laptops to work with PayPass enabled MasterCard credit cards.
  • Personal contact and content sharing has become one of the emerging uses for NFC.
  • Access card maker HID Global announced a trial with Arizona State University in September in which students were provided NFC-enabled phones, enabling them to gain physical access to buildings.
  • The Museum of London and its sister institution, the Museum of London Docklands launched a project in August that allows visitors to tap their NFC-enabled phone at exhibits and gain more information, buy tickets to future exhibits or check in, follow or “like” the museums on social services.
  • T-Mobile partnered with Meridian Health and iMPak Health in October on a new SleepTrak sleep monitoring system, a wearable device with an NFC-equipped card.
  • Many of these things can be done through QR codes, bumping, Bluetooth or other methods, but NFC provides a very simple and often elegant way to get through the process.
  • We’re still very early in the NFC game and the phones are just now trickling out in the U.S. But there’s going to be a much bigger flow of NFC-equipped phones starting next year. It’ll be these broader applications that might convince users that the technology has merit.
Marc-Alexandre Gagnon

Forget wallets. What else is NFC good for? [16Dec11] - 0 views

  • Near-field communication (NFC) has been trashed by critics, who say it adds no value to consumers or is a technology in search of a need. But as we’ve pointed out, NFC is just a technology that can applied in a lot of different ways, apart from the digital wallet framework through which many people understand it.
  • Increasingly, we’re seeing more and more interesting projects and applications being built that show how NFC will be deployed outside of mobile payment situations. This not only indicates how flexible the technology is but also could help propel the overall technology in adoption, as consumers become aware of NFC and learn to use it for a variety of reasons.
  • Right now, NFC is still below the radar for most U.S. consumers, and the slow roll out of Google Wallet or the pending launch of Isis next year are, by themselves, only going to accelerate NFC adoption by so much. But having a host of uses for the technology could open people’s eyes and push them past any usability or safety concerns.
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  • San Francisco announced earlier this week it was partnering with PayByPhone to enable 30,000 parking meters with NFC support. People can tap their phone against a parking meter and call up a parking application that identifies the parking location and allows the driver to enter his or her desired parking time and complete the transaction. The actual payment happens inside the app with a stored credit card, but the technology provides a short cut to the transaction.
  • Intel and MasterCard have teamed up to enable future Intel-powered laptops to work with PayPass enabled MasterCard credit cards. Users will be able to enter in their payment credentials for online purchases by tapping their card on their computer instead of storing the information on their machine or entering it manually.
  • Personal contact and content sharing has become one of the emerging uses for NFC. RIM in October introduced BlackBerry Tag, which will enable users of NFC phones to exchange contact information, documents, URLs, photos and other multimedia content with a tap of their phones. Google has enabled a similar a solution with Android Beam, which will work on NFC-enabled phones. This can serve as a Bump-like way to pass back and forth information quickly.
  • Access card maker HID Global announced a trial with Arizona State University in September in which students were provided NFC-enabled phones, enabling them to gain physical access to buildings. All the participants were able to enter residence halls with their phones, and some were also allowed to open individual room doors using unique digital key and PINs.
  • The Museum of London and its sister institution, the Museum of London Docklands launched a project in August that allows visitors to tap their NFC-enabled phone at exhibits and gain more information, buy tickets to future exhibits or check in, follow or “like” the museums on social services. It’s part of Nokia’s NFC Hub effort to help businesses set up NFC campaigns.
  • T-Mobile partnered with Meridian Health and iMPak Health in October on a new SleepTrak sleep monitoring system, a wearable device with an NFC-equipped card. Users can upload their sleep data to an NFC-enabled Nokia astound with a tap.
  • Nokia and NFC Danmark launched NFC-enabled smart poster campaign in Telia stores in Denmark, enabling Nokia N9 users to download mobile apps by tapping on a poster. The two companies also introduced what Danmark called the world’s first NFC-enabled vending machine.
  • The winning application of the WIMA NFC USA conference in San Francisco earlier this month was a project called Think&Go, which is being tested by French supermarket chain Groupe Casino. Think&Go allows visually impaired and elderly shoppers to call up large text information on products by tapping NFC tags on store shelves.
  • These are just a sample of the projects and real applications leveraging NFC. As you can see, none of them are actual mobile wallets. The biggest thing they provide is a real short cut to information and actions that can happen without much work. Many of these things can be done through QR codes, bumping, Bluetooth or other methods, but NFC provides a very simple and often elegant way to get through the process.
  • Also, in some of these cases, what’s also nice is that since they aren’t trying to conduct sensitive transactions, they don’t need to access the secure element inside a phone. That could be a limiting factor in the roll out of NFC, because the owners of the secure element, often the carriers, don’t seem to be in a hurry to enable a lot of other NFC payments systems. But with a host of other non payment uses emerging, users won’t have to wait to find out if their digital wallet is enabled on their particular phone. There might be other ways they can experience the power of NFC first. That will help in just teaching people the practice of tapping for information, transactions and access.
  • We’re still very early in the NFC game and the phones are just now trickling out in the U.S. But there’s going to be a much bigger flow of NFC-equipped phones starting next year. It’ll be these broader applications that might convince users that the technology has merit.
Marc-Alexandre Gagnon

Intuit GoPayment Goes International With Canada Launch; Redesigns Mobile Credit Card Re... - 0 views

  • Intuit is announcing major news this evening around its mobile credit card swiping device and Square-competitor GoPayment reader. Intuit is one of the first major U.S. mobile payments readers to go international, with a launch in Canada. And Intuit is debuting a newly, redesigned sleek version of its reader.
  • Launched two years ago, GoPayment offers a complimentary app and credit card reader to allow small businesses to conduct charges via their smartphones. GoPayment is available for iOS, Android and Blackberry phones and similar to Square’s device, the card reader simply plugs into the audio jack of a phone or tablet. The credit card data is also encrypted, (and never stored on the phone).
  • The GoPayment mobile payment app is free and the basic service has no monthly, transaction or cancellation fees, and offers a 2.7 percent rate for swiped transactions. Intuit and Square actually both eliminated the per transaction fee. And Intuit recently started allowing merchants to keep and receive funds on a prepaid credit card as opposed to depositing the amount in a bank account.
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  • GoPayment hardware reader and payments apps can now be used by Canadian small businesses and entrepreneurs as a way to accept credit card payments on an iPhone, iPad or iPod touch device. Intuit says that GoPayment for Canada and the new GoPayment card reader will both be available in early 2012.
  • The most physically noticeable aspects of Intuit’s newly designed reader is its color and shape. The reader is now black (compared to its older white sibling, pictured in this post), and cylinder-shaped, creating a sleeker, smaller look. The reader has been designed to feature a silicone sleeve that conforms to the phone or tablet to provide stability support to keep the reader from moving or spinning when swiping a card.
  • Intuit says that without the stability, the readers spin on the audio jack, causing misreads of the credit card and requiring the user to need to hold the product in place while swiping. Intuit has also improved the swipe channel of the device to read cards accurately the first time by putting it on an angle, beveling it and making it longer.
  • Chris Hylen, vice president and general manager of Intuit’s Payment Solutions division, says of the news today, “This is part of our strategy to offer GoPayment internationally and to innovate in ways that make it easier for our customers, in all markets, to never miss a sale.”
  • For Intuit, being the first to market in Canada is a big win for the mobile payments device. Navigating international markets is tricky for mobile payments companies because each country has different cards and payments infrastructure. We know Square also has ambitions of international expansion in 2012.
  • As for the native competitors in Canada, Kudos is a mobile card reader that is currently available in the country. VerFone’s PayWare mobile reader has also been available in Canada for some time. But considering the massive growth both Intuit and Square have seen among small businesses, the readers should see traction outside of the U.S.
Dan R.D.

The $100 OLPC Tablet Is Really Real and Debuting at CES - 0 views

  • Building on its success with laptops designed for developing countries, the One Laptop Per Child project is set to unveil a long-awaited tablet at CES next week. Here's what you get for $100.
  • The OLPC has been kicking around the idea of a super-affordable tablet for over a year. Originally known as the XO-3, but now dubbed the XO 3.0, the tablet will feature an 8-inch 1024x768 screen with some models also offering a PixelQi 3qi display that mimics E-paper. A Marvell Armada PXA618 chip and 512MB of RAM reside in the tablet's ruggedized shell and will run either Linux Sugar or Android OS.
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