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D'coda Dcoda

Senator Has 'Serious Doubts' About Privacy of Google, Apple Location Apps [10May11] - 0 views

  • At the close of an almost three-hour hearing on cell-phone tracking, Sen. Al Franken said Tuesday that he still has "serious doubts" that consumers' privacy rights are being respected when it comes to location-based services via iOS and Android. "I think that people have a right to know who is getting their information, and a right to decide how that information is shared and used," said Franken. "After having heard today's testimony, I have serious doubts that those rights are being respected in law or in practice."
  • "We need to think seriously about how to address this problem, [especially since] mobile devices are only going to become more and more popular," he continued. "This is an urgent issue we'll be dealing with." Franken, a Minnesota Democrat who chairs the new Senate Judiciary Subcommittee on Privacy, Technology and the Law, heard testimony from Apple and Google executives today about how their mobile platforms collect and use location-based data, and what type of control users have over that information. Google said that any location-based data it collects via its Android mobile operating system is anonymous in nature and the majority of that information is deleted after one week. "The location information sent to Google servers when users opt in to location services on Android is anonymized and stored in the aggregate and is not tied or traceable to a specific user," said Alan Davidson, director of public policy at Google. "The collected information is stored with a hashed version of an anonymous token, which is deleted after approximately one week."
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    Combine this with the TED talk on selective searches and it looks like a cross between 1984 and The Matrix is brewing up.
D'coda Dcoda

Window into Google's Monopoly Maneuvers: More Internal Skyhook Emails [11May11] - 0 views

  • The initial set of documents from the Skyhook trial (which I analyzed here last week) gave a quick flash of Google's gamesmanship. But examining the larger set of documents from the initial phase of the Skyhook trial against Google is opening a window into Google executives' views on how they sought to reinforce Google's monopoly and collect personal information from its users. These  other batches of documents (see these PDFs here and here from the trial) highlight how Google both recognizes the monopoly nature of location-based services on smartphones and how it can keep extracting private information from users while maintaining a figleaf of "consent." As the New York Times noted in a story over the weekend, the emails flying back-and-forth give an almost minute-by-minute window into the workings of high-tech negotiations-- at least until some legal-aware top managers abruptly killed email exchanges with messages like "Thread-kill and talk to me off-line with any questions."  But in the meantime, we get some quite damning admissions by Google execs on their internal practices.
  • When Motorola and Samsung announced they were going to use Google-rival Skyhook for their location-based services on their Android smartphones, Google on one hand responded in these internal emails by noting the superiority of Google location information precisely because they were maintaining constant surveillance on customers and local wi-fi spots to update their location maps. "We are constantlyre-mapping through our users, which keeps the data re-refreshed," said one email (see p. 44) or, from another manager, the advantage of "the large volume of device distribution that helps the data collection. (see p. 32) Conversely, the managers bemoan the doom if Skyhook gets the business from manufacturers like Motorola and Samsung and Google loses the ability to spy on customer locations through the smartphones. "It will cut off our ability to continue collecting data to maintain and improve our location database.  If that happens, we can easily wind up in a situation we were in before creating our own location database and that is (a) having no access at all or (b) paying exorbitant costs for access."
  • Google managers recognize this market as a classic winner-take-all monopoly situation where controlling more devices let's you control more data which in turn gives you such an overwhelming advantage in providing location-based services that manufacturers will have to use your service.  With Android phones beginning to take off strongly in early 2010, who controlled those location-based services would create a tipping point for control into the future.
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  • these emails show Google explicitly seeking to use bundling as a tactic.  Discussing Google Maps, top Google manager Steve Lee writes:
  • "We are in the process of trying to bundle NLP [Google's location service] with GMM [Google Maps] on Android, just like we do on other platforms...If successful, all GMM android partners will automatically get NLP, at least when GMM is used."(p. 47)
  • But Google had an even bigger bundling club, tying its location-based services to the Android operating system itself, much as Microsoft tried to tie installation of its Explorer browser to its Windows operating system.   By June and July, you see the evidence of Google using that club on manufacturers to knock Skyhook out of the competition.   You have the June email from Motorola to Skyhook telling the company:
  • "As you will see from the language in a note received from Google (relevant text is coped below), Skyhook's implementation of the XPS service on Motola's device renders the device no longer Android compatible."(p. 27)
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    Using email link to comment. Can we turn up the "selective" button e.g. key sentences rather than full paragraphs. Just to see how it reads / looks.
Dan R.D.

Unpacking Badges for Lifelong Learning [25Sep11] - 0 views

  • Author: Sheryl Grant
  • Is there some core definition or badge-ness to explain what makes badges unique?
  • If badges are like degrees, diplomas, grades, or currency -- which many of us have collected and displayed and benefited from -- what's wrong with them? Why are badges worse or better? If badges are visual signs of rank, reputation, membership, and identity, and are just another way to show affiliation, why are they different than, say, titles, clothing, hair, language, accents, bumper stickers, friends, or an alma mater?  
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  • Because badges hinge on motivation. Most of the energy in the badges conversation seems to have roots in the different ways people think about motivation, and more specifically about motivation and learning. What motivates learners to learn? What de-motivates them? 
  • Where's the line between motivating a learner and manipulating them?
  • For me, the most interesting intersection of the Badges for Lifelong Learning conversation is where learning theories overlap with research into virtual communities, new collectives, commons-based peer production -- whatever you want to call what we do online. A good deal of Internet research is about participation and motivation. If anything connects the badges community, it's seems to be the belief that more participation is better.
  • The communities of practice research links new collectives like Wikipedia with learning and identity, and authenticity is thought to affect people's motivation to learn and participate and reach goals.
  • There's this obscure ID Compensation theory that isn't even on Wikipedia! yet!
  • What if badges are just one more way to represent feedback? What if they're the best, most versatile way to provide feedback, whether that feedback is many-to-one, one-to-one, or many-to-many?
Marc-Alexandre Gagnon

Obama, Romney Campaigns Adopt Mobile Payments For Donations | Gadget Lab | Wired.com - 0 views

  • “Eventually we want to make a version of the Obama Square application available to everyone from within the App Store,” Katie Hogan, an Obama re-election campaign spokesperson told The New York Times. “Someone who is a supporter of the campaign can then download the app, get a Square attachment and can go around collecting donations.” The app will collect information such as the donor’s name, address, occupation and employer.
  • A representative of Republican presidential hopeful Mitt Romney told the Times that Romney’s campaign will begin beta-testing Square during Tuesday’s primary election in Florida.
  • “We’re going to be testing it in Florida tomorrow night to see how it works and then hope to roll it out to the rest of the country,” Zac Moffatt, the Romney campaign’s digital director said. “Anything that reduces the barrier to donate is going to help us with our supporters.”
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  • The Obama campaign and administration has embraced technology to a much greater degree than most past presidents, and is also leveraging social media, a tool that wasn’t even available prior to the George W. Bush administration. In 2008, Obama complemented his presidential campaign with an iPhone app in order to help voters learn more about the then-senator. After he was elected, the president then began posting regular YouTube fireside chats, harkening back to FDR’s radio-transmitted fireside chats during the Great Depression. Most recently, Obama even took part in a Google+ Hangout.
  • Square had this to say about politicians jumping on the Square train: “Whether you’re a Republican or a Democrat, running for president or local assembly, Square makes it easier than ever for candidates, organizations and volunteers to fundraise for their cause.”
  • Although Square has been used for fundraising in political campaigns before, this is the first time it’s been implemented on a national scale.
  • We’re about 10 months away from the presidential election, and grassroots fundraising is kicking into high gear. For the first time ever, smartphone-enabled mobile payments are playing into fundraising schemes, both for Republican and Democrat presidential hopefuls.
  • Both the Obama and Romney campaigns will be using the Square iOS payment dongle to process campaign donations during canvassing efforts. In fact, the Obama administration announced Monday that it would be using the Square mobile payments platform with its own personalized Obama Square app.
Marc-Alexandre Gagnon

Square Now Being Used For Mobile Payments At Political Fundraisers | TechCrunch - 0 views

  • Jack Dorsey’s Square was unveiled last December as an innovative way to let people quickly and easily accept physical credit card payments from their mobile phone.
  • Square is ideal for taking money at political fundraisers for several reasons.
  • A local flower cart in San Francisco is using Square to take payments from customers. Denim, a jeans store in New York is using Square to take payments from shoppers. We even used Square at this year’s Crunchies to raise money for the UCSF Foundation.
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  • Here’s how Square works: A small device attaches to the phone via the headset/microphone jack. The device gets the power it needs to send data to the phone from the swipe of the card, and sends the information over the microphone connection. The device is compatible with both the iPhone and Android. It’s similar in some ways to PayPal, but anyone can now accept physical credit card payments, too. With no contracts or monthly fees. People are sent receipts by text and email. If you haven’t seen Square in action, check out this video.
  • And now, a new use case has popped up for Square: political fundraising.
  • Square is currently being used in two campaigns. Silicon Valley VC Josh Becker, who is running for state assembly in California’s 21st district, has been using Square at fundraising events. And lawyer Reshma Saujani, who is running for Congress in New York’s 14th district, is using Square at campaign fundraising events, including at an event in San Francisco on Friday.
  • Valued at $40 million even before launch, Square is off to an impressive start. And technology’s most notable investors and leaders seem to think so as well.
  • Currently, if you want to donate money at a fundraising event, you often have to fill out a form and hand over a check or cash at the event. If you don’t have your checkbook or cash handy (which, many of us don’t), credit cards are the only option. You can write down your credit card number and info for fundraisers to charge at a later date, but you have to trust that the fundraiser keeps track of that information and paper.
  • With Square, there is both a convenience added for both the payee and fundraiser. The donation is instantly processed, and Square will send the receipt via SMS or email to the payee. Of course, political contributions and donations are a little more complicated because of the reporting requirements associated with donations.
  • For many types of donations, you need to take the donator’s name, occupation, address, and other information. Currently Square doesn’t allow users to input all of this information but Dorsey says that they are releasing Square’s API to allow fundraisers to build additional applications on top of Square, where they could input all of the necessary data. Once this is enabled, Square will allows fundraisers to eliminate paper collection and payments all together.
  • Dorsey says he’s already getting significant interest from politicians and political candidates across the country, but because Square is in limited beta, is being selective about how the service is distributed. Dorsey expects Square to be open to the public sometime in the next few months.
  • Since then, Square, which has been in limited beta, has been used in a variety of use cases. E.g. philanthopic organization charity:water recently used Square at the SXSW festival to collect donations.
  • Twitter co-founder Biz Stone, investor Ron Conway, Google’s Marissa Mayer, Foursquare co-founder Dennis Crowley, Digg creator Kevin Rose, investor Esther Dyson and a host of others have invested in Square. The company also raised funding from Khosla Ventures.
Marc-Alexandre Gagnon

The Amazing Game of REcollection iPhone app: Great for brands and your brain - The Next... - 0 views

  • Do you remember the amazing game of Memory?
  • The aim of the game is to remember each card you flip over and find all the pairs.
  • In a similar fashion, Dave Brown, the design blogger at Holiday Matinee created “The Amazing Game of REcollection,” that turns the art of discovery into a fun game that rewards you for playing. For online shoppers in need of a brain exercise, the app is great. Not only does playing the app double as online shopping, but for each board completed, you are given 15% discount codes to various online shopping sites like Toddland, Photojojo, WeJetSet, Feelgoodz, and Holstee.
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  • When you do find a pair it takes you to the Match page where you can learn more about the product, save it to your collection or go back to the game. You can then share the products on social networks from your collections page.
  • “Design wise, the UI is fresh, and the atypical navigation is welcome,” writes one iTunes commentator. I couldn’t have worded it better myself. I just wish the app gave you scores for how well you performed. In this game, everybody wins.
D'coda Dcoda

09/1/07 Deep Web: Databases of Databases - 0 views

    • D'coda Dcoda
       
      entered in diigo
  • Opportunities emerge from the deep semantic web
  • Economics is the science of incentives. While the promise of searching a huge store of databases may not sound like Saturday social night at the local drive in burger joint, it does by extension, introduce new incentives.  The new technology will drive people to build databases.  A new generation of entrepreneurs will collect, organize, analyze and create – not information – but data.Database of databases of databasesThe first things entrepreneurs will organize are human knowledge data – starting with their own, then relating it to others. Not unlike the human genome project, the vast human knowledge reservoir will be mapped. Entrepreneurs will enter their communities (on line, neighborhood, work, school, church, social networks) and create a database for what other people know and parse the data in any number of important and useful databases.The reason for this is simple; data are collections of human observations.This is the only thing people are willing to pay forRead more at www.conversationalcurrency.com
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    Opportunities emerge from the deep semantic web
Dan R.D.

10/04/23 Collective Layer of Fantasy - Augmented Reality Flashmob in Amsterdam - 0 views

  • This weekend in Amsterdam you may see a whole bunch of people waving their smartphones around at once. It’s the first social net/augmented reality flashmob, aka a fabulous way to combine three novel Net memes into one event.“Every square in every major city in the world knows the ‘human statue’ phenomenon,” he notes, so the intention of this weekend’s performance art is to take the human statue game totally into the digital world.have a smartphone that’ll run Layar (i.e. one with GPS).activate Layar, wave your smartphone in the air and ogle whatever strange and wonderful digital statue installations Veenhof’s chosen to populate the augmented space over Dam Square with. There’s a rumor that the Beatles will be showing up in pixel form, to recreate their famous Abbey Road pose.Is this the start of a new trend? You betcha. Flashmobs are still a popular affair, and AR is a tech that’s on the point of exploding into the mainstream public consciousness.
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    Augmented reality opens up a lot of possibilities for businesses. Imagine looking through your smartphone and having a chat with the geico gecko about your car insurance.
D'coda Dcoda

EU to Recommend Location Data Protections [16May11] - 0 views

  • The European Union's data protection advisory body will reportedly recommend that location data about cell phone users be subject to strict privacy protections, a move that could challenge technology company practices
  • The panel will recommend that the location data that the mobile industry collects about users to provide location-based services and target advertising should be subject to the same protections as people's names, birthdays and other highly personal data.
  • Companies shoul
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  • d not only need consent to collect the information, but should have to delete it after a certain amount of time and keep it anonymous, according the panel.
  • The recommendations are not binding in themselves, but are likely to inform national policy decisions in EU countries.
D'coda Dcoda

DOJ Wants Wireless Carriers To Collect Location Data [11May11] - 0 views

  • The Department of Justice (DOJ) is calling for laws requiring wireless carriers to store user location data that could be helpful to criminal investigations in which a person's location is critical to solving the crime. The request came, ironically enough, in the middle of a Senate hearing at which lawmakers grilled Apple and Google executives over their collection and use of location-based data from iPad, iPhone, and Android devices
  • Jason Weinstein, deputy assistant attorney general for the Criminal Division of the DOJ, Tuesday testified before the Senate Judiciary Committee's Subcommittee on Privacy, Technology and the Law that it would be useful if companies that have access to smartphone location data could provide that information lawfully to criminal investigators. The DOJ is particularly interested in the data as it pertains to investigations about cyber crimes that target mobile devices, child abductions, and others in which a mobile phone user's location is crucial, he said.
D'coda Dcoda

Jeff Bezos Calls Sales Tax Requirements On Amazon Unconstitutional [17May11] - 0 views

  • "Amazon.com chief Jeff Bezos says the online retailer won't collect tax from most of its 90 million customers until Congress clearly mandates it. Although a growing number of states are demanding that Amazon collect and remit tax on sales within their borders, such demands are 'interference in interstate commerce' and prohibited by the Constitution, Bezos said."
Dan R.D.

Windows 8 will support NFC | Ubergizmo [14Sep11] - 0 views

  • NFC still isn’t too common in the US, but it looks like it’s going to be a standard feature for all future mobile devices. Manufacturers have been slowly implementing NFC functionality into their phones and tablets recently, so it’s no surprise that Microsoft today announced that Windows 8 will ship with native support for NFC. For those not in the know, NFC (Near Field Communications) is a method of communication that two mobile devices can use to communicate with each other just by being in each other’s presence. It can be used for a whole range of functions such as making payments, to collecting information. Today at the BUILD conference, Microsoft also demonstrated the usage of NFC on its Windows 8 tablet. Using an NFC-enabled business card, the demonstrator could simply collect the website address from it by pointing the corner of the tablet towards the card and tapping the notification. It sure beats launching a QR code scanner or manually typing it in. Check out the video after the break:
Dan R.D.

Mozilla Open badge Infrastructure project kicks off [19Sep11] - 0 views

  • Badges for Javascript courses are currently being developed at the School of Webcraft by Mozilla. It also plans to rope in diverse groups such as P2PU, 4H, NASA, PBS, US Department of education and Intel to develop badges. This new process claims to be of advantage to learners as they will be given an opportunity to collect badges from any internet website. These collected badges will reveal the learner’s proficiency in various subjects. And that’s not all, it is believed that open badges may prove beneficial for users to build online reputation, look for collaborators and find jobs. “Open Badges is a response to this trend: an open specification and APIs that provide any organization the basic building blocks they need to offer badges in a standard, interoperable manner. If we’re successful, the benefits to learners will be tremendous. Open Badges will let you gather badges from any site on the internet, combining them into a story about what you know and what you’ve achieved,” states the Mozilla blog.
Dan R.D.

Siri,Quora, And The Future Of Search [16Oct11] - 0 views

  • Well now that Apple has gone and integrated the most sophisticated piece of AI to ever to see the light of the consumer market into its iPhone 4S, I thought it was time to brush some dirt off of Quora’s shoulder and shine a light on what the future of the company could hold.
  • Quora’s founders and their first hire—designer Rebekah Cox—created the core of the most impressive “subjective knowledge extraction” machine ever constructed.
  • By combining an answer voting mechanism and a reward addiction loop (upvotes are crack) with a strict identity requirement and a one-to-many follower model, Quora started solving the problem of extracting high-quality experiential knowledge out of humanity’s collective head and getting it into structured form on the internet. What’s more, Quora is also using humanity’s collective wisdom to rank it.
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  • Siri is a game-changing technology: The thing knows how to translate the garble of human language into targeted API calls that subsequently pull out the correct information from a potentially ever-expanding set of databases (assuming that Apple one day integrates other databases into Siri, which I’m confident it will). The main thing standing between Siri and the best answer for our likely questions is that the database that contains these answers is still a work in progress.
Dan R.D.

Merging the Digital and Virtual Worlds | Product Design and Development - 0 views

  • Putting sensors and actuators in everything from homes and cars to shoes and coffee cups promises to make our daily lives easier, safer and more efficient. But such 'ambient intelligence' requires a merger of the virtual and digital worlds. EU-funded researchers in the Sensei project are bridging the gap and their results are already leading to 'smart cities' being set up all over Europe.
  • 'Today, the internet world is a virtual world of data mostly stored and accessed from servers,' says Dr Hérault. In the future, we will have an 'Internet of things' in which a multitude of things in the real, physical world will be digitised continuously: in many situations, we won't just be asking web servers for data, we will be asking sensors in everyday objects for data, he suggests. 'We need to understand how best to interconnect the real world and the virtual world.' 
  • An open service interface that uses semantic information to process data means that information is accessible and understandable to both humans and machines.  'You could ask, for example, "What is the temperature on Oxford Street?" The system would decode that semantic information, access sensor networks on Oxford Street that have temperature sensors, check the reliability of each network with regard to information quality, and return an answer,' Dr Hérault explains. 
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  • Within the Sensei architecture, each sensor and actuator network is conceived as an 'island' that, through an interface middleware, can be connected to the overall system and can publish data independently of the technologies they are using or the type of information involved. An island could be a home, a bus station, a car or your own personal network of smart clothing and mobile devices. From a privacy and security perspective, each user is able to control which type of information they wish to share and with whom. 
  • 'If we are going to deploy billions of wirelessly interconnected sensors and actuators, the impact in terms of energy consumption and carbon footprint could become very significant. It is thus very important to develop sensors and actuators able to scavenge energy from their environment and communicate with ultra-low power energy consumption,' Dr Hérault says. 
  • Efficient sensors, operating within the Sensei architecture and coupled with technology developed in a parallel EU-funded project 'Wireless sensor network testbeds' (Wisebed), are already in the process of making their real world debut. As part of the 'SmartSantander' initiative, a follow-up project to Sensei, 12,000 devices are being deployed in the northern Spanish city of Santander over the coming year. In a first implementation they will be used to monitor available parking places and inform drivers about where there is space available, helping to smooth the flow of traffic in the city and reduce pollution. 
  • In this project, sensor and actuator networks will be set up in Santander to provide smart street lighting, dimming the lights to save energy when there is no one on the street, for example, and turning them up if some kind of incident or increased activity is detected. In Aarhus, the main focus will be to collect data about the water and sewage infrastructure, shape the information and use it in an intelligent and autonomous way. In Berlin, partners are working on the development of 'intelligent waste baskets' in order to optimise waste management. The Trento partners, meanwhile, are focusing on the development of intelligent water management in order to improve the utilisation of water for both drinking and energy generation in mountain areas. In Birmingham, transport infrastructure and services, including trams, buses, roads, cycle paths and walkways, will be optimised leading to streamlined transitions between modes, time saving and greater efficiency across the board. 
Marc-Alexandre Gagnon

Which Mobile Payments Provider is Right for You? - 0 views

  • The race right now is primarily between three parties – PayPal, Dwolla, Square and newcomer Clover Pay. Each of these services have its ups and downs, but it’s worth noting that they can all be used for peer-to-peer payments and that’s how we’ll be reviewing them.
  • PayPal Setup: Nearly instant. You can sign up for a PayPal account in just a couple of minutes, then have it funded from a credit card almost immediately after. Pros: Widely accepted payment form, in use by millions. Full-featured mobile app on iOS and Android, including the ability to scan checks for deposit. Tight integration with the USPS and eBay makes for easy collection and shipping. Cons: Often criticized for high fees. PayPal tends to lock down accounts for investigations with a guilty-until-proven-innocent approach. Terms of service disallow many actions, and are quite obtuse in important sections.
  • Dwolla Setup: Signing up for and using Dwolla is quick, but you’ll need to tie it to your bank account to fully leverage its abilities. This can take 3 to 5 business days, depending upon your bank. But, if your bank supports instant transactions, you won’t have the typical transfer lag. Pros: Dwolla charges only $0.25 per transaction, no matter how much money is being transferred. A highly-secure mobile app is available for Android and iOS. Instant transfers to and from your bank account, if your bank is part of the participating network. Dwolla is integrating with merchants, allowing you to pay directly from your account. Instant feature will “loan” you up to $500, charging a $5 fee only if you don’t pay it back before your statement is over. Cons: This could be a pro, depending on how you see it. Dwolla has no debit card function. It’s intended to be used as an extension of your existing bank account. Smaller base of users means that you’re not as likely to find a Dwolla customer for exchanging funds.
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  • Square Setup: For many merchants, Square has been the dream alternative to PayPal. By allowing customers to swipe physical cards with nothing more than a dongle on the merchant’s iPhone, it’s changing the way that many companies do business. Just snag a dongle, install the app, tie it to your bank account and you’re done. Onboarding with Square is supremely simple. Pros: Supremely easy to use. Flat 2.75% fee on any swiped transaction. Goes to 3.5% + 15¢ per transaction if the card is entered manually. Next-day deposits directly to your bank account. Cons: Square is intended as a business tool, rather than a peer-to-peer platform. Your friends will need to swipe a card to give you cash.
  • Clover Pay Setup: Clover came out of the gates with a killer team and a mobile app that’s top-notch. If you can get an invitation to the somewhat-closed beta you can be set up on Clover in a matter of minutes. Pros: Super-simple process for requesting and making payments. Numerous methods for requesting and sending, including face-to-face, by email or over SMS. Fee-free for non-commercial use. Cons: Low limits on funding your account via credit cards, as well as withdrawal to PayPal. $2000 monthly cap on ACH funding or withdrawal. Adoption seems to be slower than other services.
  • Who Should You Use? That’s the real point here, right? You want to know what option is best. Unfortunately, there’s not any one that rises completely above the others. Dwolla and Clover are my two choices for the most promising, but PayPal’s ubiquity keeps it as a necessary thorn in my side. The real answer has a lot more to do with how you plan on using the service.
  • If ubiquity is important to you, there’s only once choice and that’s PayPal. But if you’re willing to give up a bit of convenience, then Dwolla’s $0.25 per transaction and bank-account-augmentation are compelling features. I have big hopes for Clover, mainly because it’s a great team and a beautiful app. But I’ve yet to talk to anyone who’s actually used the service.
  • Finally, there’s an elephant in the room here…and in the image at the top of this post. Google Wallet. Unfortunately there are a lot of factors that prevent Google Wallet from being a be-all, end-all solution. The primary problem? It’s locked to Android right now. And even then it’s locked to only a select few Android phones. It’s a big promise, but one that will take a lot of time to come to fruition.
  • The end result is that there probably isn’t one “great” choice, just yet. But we’re moving in the right direction and that’s important. For me, it’s a combination of (begrudgingly) using PayPal when I have to and reverting to Dwolla when I can. Maybe your situation will be different, but hopefully this has helped you gain some insight.
  • With more phones and more options opening every day for mobile and peer to peer payments, the waters are getting a bit muddied. At the request of some of TNW’s Twitter followers, we thought we’d put together a list of the leading options, including the pros and cons of each. Expect this post to be updated as the landscape changes.
D'coda Dcoda

This Is Generation Flux: Meet The Pioneers Of The New (And Chaotic) Frontier Of Busines... - 0 views

  • The business climate, it turns out, is a lot like the weather. And we've entered a next-two-hours era. The pace of change in our economy and our culture is accelerating--fueled by global adoption of social, mobile, and other new technologies--and our visibility about the future is declining.
  • Uncertainty has taken hold in boardrooms and cubicles, as executives and workers (employed and unemployed) struggle with core questions: Which competitive advantages have staying power? What skills matter most? How can you weigh risk and opportunity when the fundamentals of your business may change overnight?
  • Look at the global cell-phone business. Just five years ago, three companies controlled 64% of the smartphone market: Nokia, Research in Motion, and Motorola. Today, two different companies are at the top of the industry: Samsung and Apple. This sudden complete swap in the pecking order of a global multibillion-dollar industry is unprecedented. Consider the meteoric rise of Groupon and Zynga, the disruption in advertising and publishing, the advent of mobile ultrasound and other "mHealth" breakthroughs (see "Open Your Mouth And Say 'Aah!'). Online-education efforts are eroding our assumptions about what schooling looks like. Cars are becoming rolling, talking, cloud-connected media hubs. In an age where Twitter and other social-media tools play key roles in recasting the political map in the Mideast; where impoverished residents of refugee camps would rather go without food than without their cell phones; where all types of media, from music to TV to movies, are being remade, redefined, defended, and attacked every day in novel ways--there is no question that we are in a new world.
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  • Any business that ignores these transformations does so at its own peril. Despite recession, currency crises, and tremors of financial instability, the pace of disruption is roaring ahead. The frictionless spread of information and the expansion of personal, corporate, and global networks have plenty of room to run. And here's the conundrum: When businesspeople search for the right forecast--the road map and model that will define the next era--no credible long-term picture emerges. There is one certainty, however. The next decade or two will be defined more by fluidity than by any new, settled paradigm; if there is a pattern to all this, it is that there is no pattern. The most valuable insight is that we are, in a critical sense, in a time of chaos.
  • To thrive in this climate requires a whole new approach, which we'll outline in the pages that follow. Because some people will thrive. They are the members of Generation Flux. This is less a demographic designation than a psychographic one: What defines GenFlux is a mind-set that embraces instability, that tolerates--and even enjoys--recalibrating careers, business models, and assumptions. Not everyone will join Generation Flux, but to be successful, businesses and individuals will have to work at it.
  • Digital competition destroyed bookseller Borders, and yet the big, stodgy music labels--seemingly the ground zero for digital disruption--defy predictions of their demise. Walmart has given up trying to turn itself into a bank, but before retail bankers breathe a sigh of relief, they ought to look over their shoulders at Square and other mobile-wallet initiatives. Amid a reeling real-estate market, new players like Trulia and Zillow are gobbling up customers. Even the law business is under siege from companies like LegalZoom, an online DIY document service. "All these industries are being revolutionized," observes Pete Cashmore, the 26-year-old founder of social-news site Mashable, which has exploded overnight to reach more than 20 million users a month. "It's come to technology first, but it will reach every industry. You're going to have businesses rise and fall faster than ever."
  • You Don't Know What You Don't Know "In a big company, you never feel you're fast enough." Beth Comstock, the chief marketing officer of GE
  • Within GE, she says, "our traditional teams are too slow. We're not innovating fast enough. We need to systematize change." Comstock connected me with Susan Peters, who oversees GE's executive-development effort. "The pace of change is pretty amazing," Peters says. "There's a need to be less hierarchical and to rely more on teams. This has all increased dramatically in the last couple of years."
  • Executives at GE are bracing for a new future. The challenge they face is the same one staring down wide swaths of corporate America, not to mention government, schools, and other institutions that have defined how we've lived: These organizations have structures and processes built for an industrial age, where efficiency is paramount but adaptability is terribly difficult. We are finely tuned at taking a successful idea or product and replicating it on a large scale. But inside these legacy institutions, changing direction is rough.
  • " The true challenge lies elsewhere, he explains: "In an increasingly turbulent and interconnected world, ambiguity is rising to unprecedented levels. That's something our current systems can't handle.
  • "There's a difference between the kind of problems that companies, institutions, and governments are able to solve and the ones that they need to solve," Patnaik continues. "Most big organizations are good at solving clear but complicated problems. They're absolutely horrible at solving ambiguous problems--when you don't know what you don't know. Faced with ambiguity, their gears grind to a halt.
  • The security of the 40-year career of the man in the gray-flannel suit may have been overstated, but at least he had a path, a ladder. The new reality is multiple gigs, some of them supershort (see "The Four-Year Career"), with constant pressure to learn new things and adapt to new work situations, and no guarantee that you'll stay in a single industry.
  • "So many people tell me, 'I don't know what you do,'" Kumra says. It's an admission echoed by many in Generation Flux, but it doesn't bother her at all. "I'm a collection of many things. I'm not one thing."
  • The point here is not that Kumra's tool kit of skills allows her to cut through the ambiguity of this era. Rather, it is that the variety of her experiences--and her passion for new ones--leaves her well prepared for whatever the future brings. "I had to try something entrepreneurial. I had to try social enterprise. I needed to understand government," she says of her various career moves. "I just needed to know all this."
  • You do not have to be a jack-of-all-trades to flourish in the age of flux, but you do need to be open-minded.
  • Nuke Nostalgia If ambiguity is high and adaptability is required, then you simply can't afford to be sentimental about the past. Future-focus is a signature trait of Generation Flux. It is also an imperative for businesses: Trying to replicate what worked yesterday only leaves you vulnerable.
  • "We now recognize that external focus is more multifaceted than simply serving 'the customer,'" says Peters, "that other stakeholders have to be considered. We talk about how to get and apply external knowledge, how to lead in ambiguous situations, how to listen actively, and the whole idea of collaboration."
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