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Marc-Alexandre Gagnon

Mobile payment apps work to make wallets obsolete - 0 views

  • Late last month, I ordered the beverage at Sightglass Coffee in SoMa, grabbed it from the counter and walked out without cracking my wallet.
  • Nobody chased me down because, when I first approached the cafe, the Card Case app on my iPhone detected the store's perimeter and automatically switched on. It broadcast my picture to the barista, who could then tap my pre-entered credit card number to cover the bill. The phone never had to leave my pocket.
  • It felt a lot like buying in the one-click environments of iTunes or Amazon, which is to say it didn't feel like buying at all. Square, the San Francisco startup behind the app, has come close to replicating the frictionless online buying experience in the brick-and-mortar world.
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  • "What we wanted to focus on was removing the mechanics of the transaction and building the relationship between the merchant and customer," said Megan Quinn, director of products at Square, which occupies space at the Chronicle building at Fifth and Mission streets.
  • But, of course, Square isn't the only company working hard to crack the nut of mobile payments - and they all face considerable challenges.
  • Google, Visa, MasterCard, VeriFone, eBay's PayPal division and a joint venture among AT&T, Verizon and T-Mobile are attacking the problem in various ways. In most cases, those businesses are going a different direction than Square, employing near field communications (NFC) technology that allows people to tap their phone near a terminal to make a payment.
  • Done right, mobile payments can accelerate the monetary exchange, while streamlining the issuance, acceptance and storage of receipts, coupons and loyalty cards. Down the road - once consumer and retail use reaches critical mass - the hope is that people will be able to leave their wallets at home altogether.
  • But there's a chicken and egg paradox: Customers won't start using mobile payments in great numbers until they're accepted in great numbers, and retailers don't have a huge incentive to roll these systems out until customers are clamoring to pay this way.
  • There are only about 150,000 retailers nationwide that accept payments over MasterCard's NFC-based Paypass readers. Google's Wallet payment app works with this system, and industry rumors suggest the next iPhone might as well.
  • Square, which has so far focused on small merchants has about 20,000 that accept Card Case.
  • Another big challenge is human inertia. To get people to download apps, key in credit card numbers and transform a habit they're very comfortable with, mobile payments will have to represent more than a little improvement over what they do today.
  • "You have to offer them a compelling reason to do it," said David Mangini, an IBM executive focused on mobile payments. "At a very, very minimum ... it has to be just as convenient, just as broadly accepted and just as safe."
  • One of the big knocks on basic NFC payments is that tapping a phone near a reader doesn't represent a whopping improvement over swiping a card. In addition, merchants have little to gain by replacing one expensive payment infrastructure with another, some observers say.
  • "It doesn't upset the status quo," said Nick Holland, senior analyst at Yankee Group. "It doesn't really change the original business model and it all goes through the same rails."
  • Receipts, deals Google argues that its NFC-based Wallet app is a big step forward for a few reasons. A single tap replaces not just the payment, but also the exchange of receipts, coupons and loyalty points.
  • On top of that, Google believes it's tying together the on- and off-line retail worlds, by allowing consumers to move the deals they spot on the Web into the Wallet app, where they can redeem them in the real world. Google Wallet also advertises nearby deals when users open up the app.
  • "For the consumer, it's really about tap, pay and save," said Osama Bedier, vice president of payments at Google. "On the merchant side, it's about closing the loop on that advertising."
  • This is a critical goal for Google, too, as it experiences slowing growth in online advertising - 93 percent of commerce still occurs offline, according to Forrester Research
  • For its part, Square steers around the limitations of NFC - as well as the various roadblocks of wireless carriers and credit processing networks - by leveraging the powers of the Internet to process payments. The credit card information is stored online, in Square's secure cloud, not on the device itself.
  • Square, which started by providing small attachments that allow merchants to swipe credit cards using mobile devices, acts as the merchant of record for its customers. This allows the businesses to quickly start accepting credit cards without going through the usual drawn out and expensive process of applying for a merchant account. But it also clearly puts more risk onto Square's shoulders.
  • Square turned on the hands-free feature on its Card Case app, which takes advantage of the so-called geofencing capabilities in the latest version of Apple's mobile software, in an upgrade to the app in November. The feature is only available on Apple devices to date
  • Quinn said "automatic tabs" represents an obvious improvement over traditional payments and it's quickly driving user growth (though the company doesn't disclose user numbers).
  • In addition, retailers have seen revenue leap as much as 20 percent since integrating the app. It drives traffic by highlighting nearby establishments, and the ease of payment encourages customer loyalty, the company says. Tips also tend to go up.
  • Is it safe? But the question that has dogged Square - and indeed hangs over much of the mobile payment space - is security.
  • Early last year, VeriFone CEO Douglas Bergeron blasted Square - its attention-grabbing young competitor - for what he called serious security flaws. In an online video, he argued that any bad actor could use the Square dongle and an easy-to-create app to skim credit card numbers.
  • Square CEO Jack Dorsey, also the co-founder of Twitter, defended the company's security practices in a letter. He also highlighted the inherent insecurity of credit cards, noting that any sketchy waiter is equally free to steal your information.
  • Meanwhile, Quinn argued that Card Case is actually more secure than credit cards because it only works if you're in the location and your face matches the picture that pops up on the merchant's screen.
  • The radio technology behind NFC has taken some security lumps, too.
  • Late last month, a security researcher at a Washington, D.C., conference used a wireless reader she bought on eBay to highlight some weaknesses of radio frequency identification, Forbes reported. She pulled the critical data from an RFID-enabled credit card through a volunteer's clothing, encoded that data onto a blank card and put it to use onstage.
  • Holland said that any new form of payment inevitably creates new forms of fraud. The challenge will be to educate consumers and merchants about how to minimize the risks.
  • "Clearly, having a device always with you and connected is a very inviting target for criminals," he said. "Any safe is only as strong as the key."
Marc-Alexandre Gagnon

Jumio Turns Webcams Into Credit Card Readers - And Why Merchants Will Welcome 'Netswipe... - 0 views

  • If it were up to Jumio, we’re all going to be ‘netswiping’ to purchase books, clothes, travel, FarmVille crops and whatnot online in a couple of years. The startup has been extensively testing its digital payments service in private beta mode since last year, when Jajah founder Daniel Mattes started teasing whatever they were building.
  • The startup has since assembled an impressive advisory board, including former Google exec Zain Khan, former Amazon exec Mark Britto and Maarten Linthorst, CEO of CSI Communication Systems. And we recently learned that Facebook co-founder Eduardo Saverin and other investors pumped $6.5 million into the startup.
  • Today, Jumio is finally unveiling Netswipe, a technology solution that enables e-commerce site owners and Internet retailers to process online and mobile payments by having customers ‘swipe’ their credit cards using virtually any webcam. Think of it as Square for the Web, without the need to purchase and install additional hardware. Watch the video below to see how it works, in a nutshell.
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  • Jumio is introducing three products for online merchants: Netswipe Start, Netswipe Scanning and Netswipe Processing. Additional products, including a mobile solution, will be released later this year.
  • The idea of processing digital payments by scanning credit card information isn’t entirely new, we should note. Last month, for example, saw the launch of Card.io, a startup that is developing mobile applications also capable of scanning credit cards using smartphone cameras, and some other applications like AisleBuyer include similar features.
  • Mattes posits that online retailers and e-commerce site owners can quickly and easily implement Netswipe on their websites, and that the solution doesn’t rival but instead complements existing payment solutions that have usually already been deployed (PayPal etc.).
  • Netswipe will, howevever, allow merchants to securely process payments both on the Web and mobile – and like Card.io, Jumio intends to enable third-party developers to integrate the technology into their own apps and services. It’s also worth noting that Jumio claims its technology is patented.
  • The main benefits for merchants to implement such a solution are: reducing the time between a customer’s decision to purchase something online and effectively making a transaction, minimize the friction (entering credit card information by typing can be tedious and distracting) and reducing fraud.
  • Jumio CEO Daniel Mattes says that, during the pilot phase, a survey with a focus group showed a decrease in churn rate from 52% to 21%. This may well have been more of an exception than the rule, but for most businesses even a 5 percent decrease would have a big impact on the bottom line.
  • Jumio says credit cards that are used to pay for goods and services via Netswipe are not ‘photographed’ – rather, the scans are made using videostreaming technology, which enables the company to recognize and verify the card details without storing any data on the client side.
  • If all this is true, the Netswipe technology solution is one hell of a unique selling proposition for everyone involved – little or no downside and a lot of upsides for sellers and an additional, convenient method of payment for buyers.
  • The proof of the pudding is of course in the eating, as they say, so I’d be very interested to learn from online merchants and e-commerce business owners what their thoughts on the new service are.
Marc-Alexandre Gagnon

CES 2012's Big Sleeper: Near Field Communications - Mobility - Mobile business - Inform... - 0 views

  • NFC, the technology running behind Google Wallet and many mobile e-commerce applications, lurks in many of the smartphones on display at CES. But mobile commerce isn't the only reason that NFC deserves your attention.
  • the most potentially disruptive technology has so far gotten precious little coverage. I'm talking about Near Field Communications or NFC. Didn't get your pulse pumping? What if I told you that NFC is the technology behind Google Wallet and every other mobile e-commerce technology, and that it's likely to be built into a good many of the higher end smartphones shown at CES? If you believe industry watchers, there'll be about a half billion phones sold with the technology between now and 2015.
  • NFC can be used for a lot of things, and payment is just one of them. The close proximity technology can also be used to see specs and other details on retail items. As stores like Best Buy move to compete with Amazon on price, you can bet that this technology will be used to replace the pimply faced kid who actually knows a surprising amount about whatever it is he's selling. It could also be used to assure the lowest prices for price conscious consumers.
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  • There are non-retail uses too. This could finally be the technology that lets us exchange business card info without the card. You could pay tolls or get information from governmental agencies. Wouldn't it be nice if Mount Rushmore told you all about its sculptor Gutzon Borglum, or that it took 12 years to complete?
  • Of course the first concern for such communications is security, and there's plenty to worry about with NFC--not the least of which is that the standard doesn't presently encrypt transmissions. Nonetheless, all the major phone, credit card, and carrier vendors and a good number of governments are setting to trial the technology in 2012. NFC is one to watch.
Marc-Alexandre Gagnon

Pioneer unveils Zypr, a free Siri-like platform that can tell your web apps what to do ... - 0 views

  • Zypr is everything you wanted from Siri without the Apple-flavored handcuffs.
  • This voice-control API gives developers a free platform for writing voice-activated commands for web applications, including navigation, social media, maps, calendars and more.
  • One of the most interesting and valuable aspects of the Zypr API is that it aggregates third-party APIs from services like Facebook and Amazon, categorizes their functions (for example, social, mapping or shopping) and presents those functions through a single, normalized API, creating a stable access point for devices and apps. If a third-party API changes, the developer using Zypr doesn’t need to make any changes to his or her code. Pioneer says that Zypr can replace around 80 percent of the functionality of the APIs it supports.
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  • But perhaps most interestingly today, Zypr gives developers natural-language voice control for all services, regardless of provider or category.
  • Zypr is an ad-supported service and offers developers revenue-sharing opportunities.
Marc-Alexandre Gagnon

Best Buy Sends Geek Squad Into the Cloud | Wired Enterprise | Wired.com [07Nov11] - 0 views

  • Best Buy will send its Geek Squad into the cloud, after purchasing Boston-based mindSHIFT Technologies in a deal valued at $167 million.
  • MindSHIFT provides online applications and data center services for small to medium-sized businesses, boasting over 5,400 clients across the U.S., and with the purchase, Best Buy plans to extend its reach into the business world, including the legal, healthcare, financial, nonprofit, and education markets.
  • With its ubiquitous brick-and-mortar stores — and its Geek Squad driving Volkswagon Bugs from IT issue to IT issue — Best Buy believes it’s well positioned to offer cloud computing services to businesses with neither the time nor the resources to support their own IT infrastructure.
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  • The purchase is a way of competing with Amazon’s Web Services and other cloud services that offer applications and infrastructure resources via the net. With its cloudSHIFT hosted desktops, mindSHIFT providers business users with access to standard applications like Microsoft Office, OpenOffice, PDFCreator, and Adobe Acrobat Reader, but it also provides good old-fashioned managed hosting services, helping businesses run websites and other applications in its data centers.
Marc-Alexandre Gagnon

New 5 Billion Page Web Index with Page Rank Now Available for Free from Common Crawl Fo... - 0 views

  • A freely accessible index of 5 billion web pages, their page rank, their link graphs and other metadata, hosted on Amazon EC2, was announced today by the Common Crawl Foundation. "It is crucial [in] our information-based society that Web crawl data be open and accessible to anyone who desires to utilize it," writes Foundation director Lisa Green on the organization's blog.
  • The Foundation explains the scope of the project thusly. "Common Crawl is a Web Scale crawl, and as such, each version of our crawl contains billions of documents from the various sites that we are successfully able to crawl. This dataset can be tens of terabytes in size, making transfer of the crawl to interested third parties costly and impractical. In addition to this, performing data processing operations on a dataset this large requires parallel processing techniques, and a potentially large computer cluster. "Luckily for us, Amazon's EC2/S3 cloud computing infrastructure provides us with both a theoretically unlimited storage capacity coupled with localized access to an elastic compute cloud."
  • The Foundation is an organization dedicated to leveraging the falling costs of crawling and storage for the benefit of "individuals, academic groups, small start-ups, big companies, governments and nonprofits." It's lead by Gilad Elbaz, the forefather of Google AdSense and the CEO of data platform startup Factual. Joining Elbaz on the Foundation board is internet public domain champion Carl Malamud and semantic web serial entrepreneur Nova Spivack. Director Lisa Green came to the Foundation by way of Creative Commons.
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  • The organization was formed three years ago, just now started talking about itself publicly and believes that free access to all this information could lead to "a new wave of innovation, education and research."
  • Open Web Advocate James Walker agrees: "An openly accessible archive of the web - that's not owned and controlled by Google - levels the playing field pretty significantly for research and innovation."
Marc-Alexandre Gagnon

EnStratus raises $3.5M for hybrid cloud management - Cloud Computing News [07Nov11] - 0 views

  • Cloud computing startup enStratus has raised $3.5 million in Series A funding to grow its business of managing all types of clouds across a common interface. El Dorado Ventures led the round with participation from Vesbridge Partners.
  • The long and short of enStratus’ technology is that it provides a secure platform for managing and monitoring popular public and private cloud offerings through a single interface. In theory, this means customers can utilize multiple clouds and even switch between cloud providers without having to learn the intricacies of each provider’s APIs or management consoles.
  • The Minneapolis-based EnStratus is similar to the more widely known RightScale service, although enStratus actually supports more clouds. It currently claims support for Amazon Web Services, AT&T Synaptic Storage, Bluelock, Cloud Central, Cloud.com, CloudSigma, EMC Atmos (e emc), Eucalyptus, Google Storage, GoGrid, Nimbula, OpenStack, Rackspace, Terremark, VMware vSphere, VMware vCloud Express and Windows Azure.
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  • EnStratus has been on something of a hiring binge lately, including bringing on popular cloud blogger (now GigaOM contributor) and former Cisco cloud strategist James Urquhart as VP of product strategy.
Dan R.D.

iTWire - Banking's great social media experiment [04Nov11] - 0 views

  • The amount of money that Australian banks are spending on social media strategies is the equivalent of a “rounding error” when compared to the squillions they spend on advertising, delegates at a banking and finance conference heard on Friday. But the banks understand that although there isn’t yet a credible business case for much additional investment in the area, they can’t afford not to develop a presence on sites such as Facebook, Twitter and YouTube.
  • Speaking at the FST Media Technology and Innovation conference in Sydney on Friday Michael Weeding, head of digital banking for Citibank said that “We are probably not going to have a business case at this point in time” for heavier investment in social media bank. But he reminded delegates that the same once held true for mobile phone investment.
  • In a very short period of time mobile banking has moved from novelty item to mainstream banking platform, and social media could well follow.
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  • Stephen Bowe, head of user experience and digital media for UBank, said that although it wasn’t possible to accurately measure the impact of social media investment as yet, that shouldn’t hold banks back, as it was important to experiment. This was particularly the case speakers during sessions at the conference on Friday warned because the banks no longer owned the financial services space – but were increasingly being challenged by organisations such as Facebook itself, Amazon, PayPal, Google and potentially Apple.
Marc-Alexandre Gagnon

New Relic adds server monitoring to its SaaS mix - Cloud Computing News [08Nov11] - 0 views

  • Popular SaaS startup New Relic made its name monitoring application performance, but has added server monitoring to the mix to make the service more functional. It’s actually a natural fit for New Relic, though, as what’s going on with the servers can have a big impact on how an application is running.
  • The new server-monitoring information is displayed in context with application-performance data so that users can drill down to the cause of a problem once they see performance start lagging. On the server side, New Relic monitors CPU, disk and memory utilization, network activity, and processes, which SVP of Product Jim Gochee told me lets the company keep an application-performance focus while hitting the key metrics that affect system health.
  • New Relic claims more than 13,000 active users.
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  • New Relic has partnerships with numerous cloud providers, including Amazon Web Services, Rackspace and GoGrid, and its new server-monitoring tools will work with virtual servers from these providers as well as on customers’ own local servers.
Marc-Alexandre Gagnon

Wikets, The Social Commerce App With $1.5M In Funding, Rewards Users For Recommendation... - 0 views

  • In September, Wikets, Inc., announced it had raised $1.5 million from venture firms Andreessen Horowitz and Battery Ventures, as well as from six angel investors, to build a new iPhone application that allows users to rate products and share those recommendations with friends. Today, the app has gone live in iTunes.
  • The resulting product is deceptively simple. You make a recommendation, optionally share it with friends via Facebook or Twitter, and then get rewarded in the form of points that can be later turned in for gift cards at online merchants.
  • At launch, Wikets lets you recommend products from its featured partners and from 60 major retailers, including iTunes (music and apps), Etsy, eBay, Amazon, Best Buy, The Home Depot, Wine.com, and others, as well as any place you can pull up on Yelp or Foursquare. You can also scan a product’s barcode, if you choose.
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  • In order to encourage usage, Wikets doles out points for your recommendations, other in-app activity, and, most importantly, your purchases. (100 points = $1.00 USD). These points can later be redeemed for gift cards from select merchants.
  • In the app’s main stream, which includes all the recommendations on the service, there’s a search button to find recommendations from others or to find users by name, plus filters for popular recommendations, nearby recommendations and recommended people. As you browse through this stream, discovering new content, you can tap a button to add items to your wishlist or strike up a conversation around the item in question through a comments feature.
Dan R.D.

Gadgetbox - Quad-core Android tablet misses the point [10Nov11] - 0 views

  • With the exception of the Amazon Kindle Fire and the Barnes & Noble Nook Tablet, the Android tablet race is starting to look like the PC race of the early 2000s: SPEEDS AND FEEDS ... and not a lot else. Case in point is Asus' Eee Pad Transformer Prime, the first quad-core tablet to hit the market. That's right, people, four whole cores!
  • quad-core tablet
  • For $499, the price of a 16GB iPad, you get 32GB, and can get up to 64GB for just $100 more. It will ship with Android 3.2 Honeycomb, but Asus promises that it will get an over-the-air update to the eagerly anticipated Android 4.0 Ice Cream Sandwich "at a later date." Great, terrific, you know?
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  • But shoppers aren't buying on specs these days. In fact, they're a bit turned off by them. Shoppers are buying on price — part of the reason we loved the original Asus Eee Pad Transformer — but most of all they're buying on ecosystem. The iPad doesn't lead on specs, but it has a massive share of the market, because Apple focuses on what you can do, from iTunes media to the best lineup of tablet apps.Amazon's Kindle Fire and Barnes & Noble's Nook Tablet may be cheaper, but they're going to sell like hotcakes mainly because they come with their purpose built in.
Dan R.D.

10/02/23 Stalking Yourself? - Personal Blippy + Foursquare + Last.fm = Strings - 0 views

  • A service called Strings, which launched today, is trying to find and collect all the different ways you can track yourself online — your purchases on Amazon, Zappos and other e-commerce sites; your watching on YouTube, Hulu and Netflix; your listening on iTunes; your check-ins on Foursquare. The service is not about socializing and sharing that information, like the Twitter-for-credit-cards Blippy, but about privately harnessing it. It aggregates all that different preference data to build a better picture of things and places you like. The problem with stalking yourself on the Internet is it’s potentially an invitation to other people to do the same — but Strings of course is promising to keep your data safe.
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    Harnessing the power of your consuming preferences in order to consume more of the media content you're already consuming.... ick.
D'coda Dcoda

Re-working Work for Virtual Teams [29Jan10] - 0 views

  • The world of work for knowledge and information workers has seen enormous shifts over the past decade, and it is something that impacts a disproportionate number of entrepreneurs.  According to the 2006 US Census, 49% of US businesses were based out of the home.  While these ranks used to be dominated by the trades (e.g. construction, electricians, plumbers, etc.), advances in technology have swelled the ranks of the home-based knowledge worker (e.g. consultants, web designers, developers, writers, etc.).This creates a whole new set of challenges when it comes to getting work done.  Because information-based work is almost never done in a vacuum, most of us work in teams.  And a large percentage of those teams can go weeks — if ever — without seeing each other face-to-face.  Making this work well sounds like it should be easy given all of today’s technology: email, Skype, ooVoo, Twitter, etc.  But, as usual, the issue that requires the most management is not the technology, it’s the people.This creates a whole new set of challenges when it comes to getting work done.  Because information-based work is almost never done in a vacuum, most of us work in teams.  And a large percentage of those teams can go weeks — if ever — without seeing each other face-to-face.  Making this work well sounds like it should be easy given all of
  • today’s technology: email, Skype, ooVoo, Twitter, etc.  But, as usual, the issue that requires the most management is not the technology, it’s the people.Becky McCray of SmallBizSurvival recently posted an article on MyVenturePad discussing this very thing.  In “6 Tips for managing a distributed workforce,” she discussed several valuable tips in successfully leading a team that is all working remotely (presumably from their homes).  In addition to some of her great tips — ranging from reading The One Minute Manager to explicitly declaring the weekend off — here are a couple more items that I’ve recently been reminded are critical to the success of a virtual team.Clarifying priorities.Rules of engagement.
  • Roles and responsibilities.Talk through assumptions.Ask, Then DecideRead more at www.workingpoint.com 
D'coda Dcoda

Exploitation and Amazon's Mechanical Turk [26May11] - 0 views

  • Since 2007, the US federal minimum wage has been set at $7.15 an hour, yet workers on Amazon’s Mechanical Turk—many of whom live in the US—make an average of $2 (according to the estimates of Mechanical Turk researcher Alex Quinn).  As illustrated in the above image, Amazon, itself, encourages businesses (at least implicitly) to pay workers (or “turkers” as they are called) less-than-minimum wages.  Moreover, to even qualify for these low-paying tasks called HITs (Human Intelligence Tasks), turkers are often expected to complete unpaid training sessions that can last for up to an hour.  Also, because turkers receive micro-payments for each task and because the time to completion for each task is rationalized to the second, turkers receive no pay during normal periods of rest during the workday.
  • Mechanical Turk is a crowdsourcing platform that allow anyone to recruit laborers for short online tasks, which cannot be effectively completed by computers.  For examples, turkers might compile contact information for various businesses, sort through images and tag offensive ones, or participate in university research experiments.  Because of the piecemeal and spatially-disembedded nature of the work, it is virtually unregulated. Can we simply dismiss this subversion of labor laws—as some commentators have—on the grounds that “$2 an hour is a decent wage in India?”  Even if we are angered by this exploitation of turkers, is it even possible to regulate an international platform of this sort?
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    Crowdsourcing problem
D'coda Dcoda

Apple: an 'App Store' Is Not a Store for Apps [20May11] - 0 views

  • "What would be your first guess about what an app store sells? Don't be fooled, Apple warns, the phrase 'app store' is not generic and can only be used to describe Cupertino's... um, app store? 'Apple denies that, based on their common meaning, the words "app store" together denote a store for apps,' Apple said in a Thursday filing with a California district court. All this notwithstanding that Jobs himself used the phrase generically while referring to Android app stores. We've previously discussed this ongoing legal battle."
D'coda Dcoda

The end of the paperback? Kindle ebook sales exceed print sales for first time ever [20... - 0 views

  • Sales of digital e-books have outstripped real books for the first time, according to Amazon.Four years after the launch of electronic novels, the firm announced it has sold 105 e-books for every 100 printed books over the past six weeks.While e-book sales have previously outsold hardback books, never before have they exceeded sales of all books, in both hardback and paperback forms.
Dan R.D.

Ian Bogost - Gamification is Bullshit [08Aug11] - 0 views

  • In his short treatise On Bullshit, the moral philosopher Harry Frankfurt gives us a useful theory of bullshit. We normally think of bullshit as a synonym—albeit a somewhat vulgar one—for lies or deceit. But Frankfurt argues that bullshit has nothing to do with truth. Rather, bullshit is used to conceal, to impress or to coerce. Unlike liars, bullshitters have no use for the truth. All that matters to them is hiding their ignorance or bringing about their own benefit. Gamification is bullshit. I'm not being flip or glib or provocative. I'm speaking philosophically. More specifically, gamification is marketing bullshit, invented by consultants as a means to capture the wild, coveted beast that is videogames and to domesticate it for use in the grey, hopeless wasteland of big business, where bullshit already reigns anyway. Bullshitters are many things, but they are not stupid. The rhetorical power of the word "gamification" is enormous, and it does precisely what the bullshitters want: it takes games—a mysterious, magical, powerful medium that has captured the attention of millions of people—and it makes them accessible in the context of contemporary business.
Marc-Alexandre Gagnon

Mobile Payments Are Going to Explode This Holiday Season, PayPal Says [Infographic] [26... - 0 views

  • Payments company PayPal wants to make sure that it stays in the conversation when it comes to mobile payments.
  • In the last couple of weeks we have heard from innovations coming out of MasterCard and Intuit. PayPal is one of the leaders in mobile payments, especially on the peer-to-peer front.
  • PayPal is predicting that mobile payments is going to boom come time for the holiday shopping spree
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  • In a survey conducted by PayPal and research firm Ipsos, half of mobile payments users plan on making a purchase with their device when the holiday shopping season starts after Thanksgiving.
  • PayPal claims that over half of mobile buyers use the service as their payment method of choice.
  • near-field communications options are still years from widespread adoption and the dongle-based half of the industry (between Square, Intuit and others) is still in growth mode
  • Other mobile payments options include direct billing from Apple or Amazon for digital goods like apps and songs or carrier billing, which PayPal also provides through eBay's acquisition of Zong.
  • PayPal believes that most mobile purchases will be made from home. Hence, they are calling the trend "couch commerce."
Marc-Alexandre Gagnon

ePayments Week: Will NFC add value? - O'Reilly Radar [29Sep11] - 0 views

  • Square's chief operating officer Keith Rabois went against the grain this week and questioned whether there was any value to be had by implementing near-field communications (NFC) for mobile payments.
  • He may have a point that the particular technology matters less than the mobile wallet itself.
  • To name just three: Merchants can administer reward and loyalty programs more efficiently if they're managed through phones rather than on rubber-stamped cards. Merchants can deliver location- and time-specific coupons if they are acquainted with a customer's phone. Placecast is showing how you can deliver offers within a geofenced area. Merchants will also have the opportunity to move discounts quickly if they need to clear inventory. All of that is theoretically possible today with Twitter, but first you have to get them to follow you. Once someone has paid with their phone, presumably it's a lower barrier to get them to agree to receive offers via that phone. Merchants can dynamically steer customers to their best payment option. If PayPal offers a lower percentage for a period than the merchant's credit card service, the merchant can offer products or services at a discount and let the customers choose on their devices.
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  • Merchants can administer reward and loyalty programs more efficiently if they're managed through phones rather than on rubber-stamped cards.
  • Merchants can deliver location- and time-specific coupons if they are acquainted with a customer's phone.
  • Merchants can dynamically steer customers to their best payment option.
  • it's our data that we'll be giving up in exchange for being on the receiving end of those benefits listed above
Dan R.D.

"The Internet of Things" is the new Sorcerer's Apprentice [24Aug11] - 0 views

  • In Disneys Fantasia, Mickey Mouse as the Sorcerer's Apprentice brings to life everyday objects such as brooms and buckets to help him with his tasks of cleaning - what starts as a good idea ultimately ends with terrible results as he fails to be able to control them.Whilst Mickey may have gotten out of his depth, this thinking of everyday objects being brought to life isn't just a fantasy.
  • Obviously not in the literal sense we see in the Sourcers Apprentice (although that would have been great!), but more in the sense that previously in-anmiate objects can now start to record their activities. Termed the "Internet of Things" this was discussed in part by a talk at DICE by Jesse Schell about gamification and how this may extend into everyday items and tasks. (The video is really worth watching if you haven't previously seen it)
  • What Jesse discussed in terms of earning points for brushing your teeth has now been enabled by start-up Green Goose. Using a combination of intelligent stickers or product add-ons, Green Goose claims to be able to track any activity, from cleaning your teeth to drinking a class of water.
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  • Internet of Things pioneer, Kevin Ashton said of this:-The problem is, people have limited time, attention and accuracy—all of which means they are not very good at capturing data about things in the real world. [...] If we had computers that knew everything there was to know about things—using data they gathered without any help from us—we would be able to track and count everything, and greatly reduce waste, loss and cost
  • The challenge for both brands and consumers will be the same as that faced by the Sorcerer's Apprentice - once we start providing/collecting this information, can we keep control of it, manage it and get the best benefit from it... or will it simply overwhelm us.
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