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I don’t disagree with the headline (see full article here).  The problem for NFC payments has little to do with the state of NFC technology, or the road-map of NFC-enabled handsets, or the POS integration required at merchant sites.  Those issues are either solved (or solving).The main hurdles for NFC payments are twofold:a highly complex payment ecosystem of banks, merchant acquirers, and payment processors who must demonstrate regulatory and PCI compliance, flawless security, and adequate payer authenticationand customers’ proclivity to adopt a new mode of payment, e.g. from ‘card-swipe’ to ‘phone-touch’Ask yourself – would I have to use my phone to complete a payment vs. my credit card? Personally, I think the experience will be novel but only really offer nominally more convenience.

In an interview, David Messenger, American Express’s head of online and mobile, tells me they have identified a major pain point among teens and others who are still using cash and checks to conduct a majority of their transactions.

The conversation got heated when a woman raised her hand to say she didn’t understand why she would ever adopt mobile payments: Seriously, how could a phone be easier than swiping a card?

Walmart’s SVP of online and mobile, Gibu Thomas, explained that the discount retail conglomerate would never pressure users to adopt it, while T-Mobile Chief Strategy Officer Peter Ewens defended the technology by saying that it improved security.

Should enterprise applications be as addictive as Angry Birds? A true believer in gamification would say yes, if you want people to actually use them.

[Social media is a powerful tool to connect with customers, but it can create big problems for your company if it's not done right. Learn more at 10 Social Networking Don'ts.]

Most of all, gamificiation is about understanding that "if you can make something more fun, and include notions of play, you can get people to do things they otherwise might not want to do."

PayPal has shown their new peer-to-peer NFC payment system at MobileBeat 2011 today, using two Android powered Samsung Nexus S phones.  The premise is simple -- open the app on both phones, enter the payment amount on one, and bump them together.  After the buzz, enter account details, and the payment is processed.  Afterwards, the normal email receipts are generated and sent out, just like we did it in the old days.There's no firm date when to expect this, but PayPal says "late this summer".  Another compelling reason for manufacturers to put NFC capabilities in their new models, or just a security concern?  Either way, we'll find out soon enough.  Hit the break to see a demo video.

With big bets by the titans of technology and consumer finance, 2011 is becoming the year that American business got serious about jumpstarting the “Internet of things“—a broad web of digitally enhanced locations that consumers can navigate the same way they now use smartcards to pay their bus fare or open security doors at work. For Seattle startup Iota, that transformation isn’t happening fast enough. This team of former T-Mobile employees is aiming its considerable experience in the mobile sector at a new type of device that it says is ready to go right now. They believe it can be made cheaper, easier, and more open than expensive new radio frequency ID-enabled smartphones controlled by the big market players. Their mission is to put the futuristic promise of what’s called “near-field communications,” or NFC, into the hands of anyone who doesn’t have a smartphone, or wants to spend less time digging around in a field of apps. The company, based in Seattle’s hip Capitol Hill neighborhood, has raised $1.4 million so far and is currently about $600,000 of the way through a $1 million convertible-note round, founder and CEO Russ Stromberg says.

How would you feel about an iPhone app that claimed to be able to tell if that mole on your arm was not looking too healthy? That’s the claim of Skin Scan, an iPhone medical app available now on the Apple App Store. The startups has secured €50,000 Euro in seed funding from Seedmoney.

Google Ventures has quietly invested in a stealth startup called Wingu, reports StrategyFacts (subscription required). Indeed, while the Google Ventures website lists four career opportunities for one of its portfolio companies located in Cambridge, Massachusetts without naming Wingu, the stealth startup published the exact same job openings on its job board, leaving nothing to the imagination. Wingu is building a enterprise-grade cloud platform dubbed Elements that will enable research teams to collaborate more effectively and use data in ‘new ways’. Here are the four main selling points of Wingu’s platform, according to its website: MANAGE: Unify your cross-discipline teams on a common platform to share data and ideas. ANALYZE: Drive decision-making with our analytical workflows and discovery tools. SHARE: Connect your researchers across silos and geographical divides for better collaboration, coordination and communication. PROTECT: Breathe easy knowing that your data is backed and protected by leading systems and security experts.

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.

Eyeing a shift in consumer habits, eBay has announced it is buying Zong, a provider of payments through mobile carriers, for $240 milllion.

“Commerce is changing. With mobile phones, we walk around with a mall in our pockets. PayPal helps to make money work better for customers in this new commerce reality –- no matter how they want to pay or what device they’re using,” said Scott Thompson, president of PayPal. “We believe that Zong will strengthen this value by helping us reach the more than 5 billion people who have mobile phones, giving them more choice and security when they pay.”

The sensors inside modern smart phones present a range of security threats. An attacker who compromises a phone can, for example, track the owner's location by GPS, use the camera to see the phone's surroundings, or turn on its microphone to record conversations. At a conference in Chicago on Thursday, a group of computer researchers from Georgia Tech will report on another potential threat. The researchers have shown that the accelerometer and orientation sensor of a phone resting on a surface can be used to eavesdrop as a password is entered using a keyboard on the same surface. They were able to capture the words typed on the keyboard with as much as 80 percent accuracy.

Damage control: Internet discussion about the service outage that struck Amazon Web Services in April spiked as soon as problems began (April 21st) and again when Amazon explained the cause (April 29th). The data is based on selected mentions on Twitter, blogs, and in online media. Alterian

Just ask Jeff Malek, cofounder of BigDoor, a Seattle company whose game software is hosted on the public servers of Amazon. Last April, problems in a Northern Virginia data center crippled Amazon's northeast operations, affecting many cloud-based businesses. Spotty service over four days left BigDoor scrambling to find technical solutions and issuing a steady stream of apologies to its 250 clients. Since then, BigDoor has joined a growing number of companies that are seeking new ways of building outage-resistant systems in the cloud, often at additional expense and inconvenience.

Even though outages put businesses at immense risk, public cloud providers still don't offer ironclad guarantees. In its so-called "service-level agreement," Amazon says that if its services are unavailable for more than 0.05 percent of a year (around four hours) it will give the clients a credit "equal to 10% of their bill." Some in the industry believe public clouds like Amazon should aim for 99.999 percent availability, or downtime of only around five minutes a year.

Used to be if spies wanted to eavesdrop, they planted a bug. These days, it's much easier. Because we all carry potential bugs in our pockets—smartphones. One team of researchers used an iPhone to track typing on a nearby computer keyboard with up to 80 percent accuracy.

The researchers designed a malicious app for the iPhone 4. When you place the phone near a keyboard, it exploits accelerometer and gyroscope data to sense vibrations as the victim types—detecting whether keystrokes come from the left or right side of the keyboard, and how near or far subsequent keys are from each other. Then, using that seismic fingerprint, the app checks a pre-created "vibrational" dictionary for the most likely words—a technique that works reliably on words of three letters or more.

Last week, video eyewear maker Vuzix announced (pdf) that it has partnered with cell phone maker Nokia to produce the next generation of see-through near-eye display (NED) glasses. The glasses will use Exit Pupil Expanding (EPE) optics technology developed by both Vuzix and Nokia.Vuzix, which has been developing display technologies for the military since 1997, credits itself with creating the consumer video eyewear market, which it did in 2005 with the release of the V920 glasses. 

Nokia-enhanced NED glasses