Des Moines is the home of mobile payments platform Dwolla. It is an interesting case study - local startup creating buzz within the community and getting retailers and consumers to actually use the platform. Dwolla has created a mobile payments ecosystem from the bottom up.
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The Mobile Payments Capital of the U.S: Des Moines, Iowa? [07Nov11] - 0 views
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Within a 5-mile radius of Des Moines there are 500 to 700 business that are using mobile payments through Dwolla. The company works kind of like a payments version of Foursquare. You check at the register in the store using your phone and a pre-loaded Dwolla account.
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it is likely that the company will be able to partner with banks and financial institutions in the near future to go straight from a bank account to the retailer.
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Dwolla sees itself more like Visa than PayPal. EBay may actually disagree with that considering that it is pushing very hard into the mobile wallets segment of the mobile payments industry and Dwolla operates in much the same way.
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Dwolla wants to position itself as a go-to resource for financial institutions to create a mobile payments infrastructure in communities such as Des Moines. Square, with its recent Card Case update, is also playing in this space.
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The benefit of Dwolla is that it is basically electronic cash. This is one of the truest "mobile wallets" concepts.
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Proxi was released by Dwolla in August. It allows users to open the app and see what merchants are accepting mobile payments via Dwolla in their vicinity.
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The company can position itself to be both the front end and back end of the payment process. As such, Google Wallet, Square, Intuit GoPayment (or any of the other dongle-based competitors) could theoretically tie into it as a backend.
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A Coke Machine, A Dorm Room, A Gate: How NFC Will Be Adopted [11Nov11] - 0 views
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Whenever people think of near field communications, they think of mobile payments. Your phone becomes your wallet and spending money becomes as easy as tap, tap, tapping all day. Well, the era of your tap-able digital wallet is not here yet. It may never come. But that does not mean there are not some very interesting uses of NFC coming down the pipeline.
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For instance, there was a Coca-Cola vending machine at ad:tech this week that was tied to Google Wallet. Tap, tap, tap away and take a Diet Coke Break. At Nokia World there as a gate that could be opened with a tap from your phone. A developer is working on NFC solutions to help his father who has Alzheimer's. NFC could be great as a monetary transfer solution, but there is so much more.
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A couple of months ago we wrote about a pilot program at Arizona State University gives students NFC-enabled phones that can be used to access dormitories and university buildings. At the time we said that this is the perfect place for the widespread use of NFC to start: universities have long been known to be the birthplace of behavior-changing trends.
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Let's look at the NFC Coca Cola machine. This is actually the second time that we have run across one of these prototypes (note: we were not at ad:tech this week but found this story from Mobile Commerce Daily). The first time we saw one of these Coke machines was at a reception around mobile payments from MasterCard in New York City a couple of months ago. It functioned just like any other Coke machine, except it accepted money through NFC. Make your selection and tap on the receiver instead of digging through your pocket for change.
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"The combination of mobile commerce and location technology moves our business from the point of sale to the point of thirst," said Wendy Clark, SVP of integrated marketing communications and capabilities Coca Cola according to Mobile Commerce Daily. "We have to place bets and we have to take risks if we want to feel innovation in the way that we market."
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We may see groundswell coming from the big brands that are looking to change how they interact with customers. NFC is not going to be adopted because the big corporations like Google make partnerships with other big corporations in the mobile and financial worlds and all of a sudden we are going to change how we go about our day-to-day lives just because they tell us so. The act of buying a Coke is one of the simplest and most straightforward acts in all of society. If you see that your friend just paid for a Coke at a vending machine with her smartphone, you are much more likely to go, "hey, I wonder if I can do that to." Once you have your foot in the door, you are more likely to use that process again.
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During Nokia World in London I met a developer that wanted to explore NFC because his father has Alzheimer's and he wanted to figure out how the technology could help him give his father a way to manage his day-to-day life. For instance, setting timers on items around the house to keep his father from doing odd things at odd moments, like opening cabinets in the kitchen at 4:00 a.m. or leaving the house at the same time and wandering the neighborhood, not knowing where he is going. If his father has a watch with NFC in it, he could program those household functions to only respond to the NFC timer at certain times of the day.
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Think of it: this is how NFC will evolve. Consumers are not going to be bludgeoned from on high by companies like Google, Sprint and MasterCard. It will start as a groundswell where developers see a problem, solve a problem. Big brands, like Coca Cola or Wal-Mart, will start instituting NFC solutions and people will become familiar with the technology first. It is one thing for Google to have a big demo, roll out a bunch of partners and say "this is the future." It is another for people to actually have the technology in their hands, using it to do a variety of activities.
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Even the Google Wallet competitor, ISIS, thinks that competition is good for the realm. In an interview with CNET, ISIS CEO Michael Abbott said, "competition is what this space needs." Why would he say something like that? Because Abbott understands that people learn from other people and that the more solutions there are out there for people to see the technology in action, the more will ultimately adopt it. Competition drives innovation and better products in consumers' hands. In that way, the technology adapts to the situation, not the situation to the technology.
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eBay: PayPal Mobile Payment Volume Up Over 500 Percent On Thanksgiving Day And Black Fr... - 0 views
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As we heard earlier today, Thanksgiving proved to be a lucrative day for online retailers. IBM reported online Thanksgiving 2011 sales were up 39 percent over Thanksgiving 2010, with mobile shopping on the rise. eBay and PayPal are seeing similar trends. PayPal Mobile just announced a 511 percent increase in global mobile payment volume when compared to Thanksgiving 2010.
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On Thanksgiving in the U.S., consumers shopped on mobile via PayPal most frequently between 6:00 p.m. and 7:00 p.m. PST. Around the world, consumers shopped on mobile most frequently between 1:00 p.m. and 2:00 p.m. PST.
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There was a more than three-fold (350%) increase in the number of global customers shopping through PayPal mobile on Thanksgiving 2011 compared to last year. These shoppers were mainly located in New York, Houston, Los Angeles, Miami and Chicago.
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eBay says that the amount shoppers in the U.S. that bought and spent via eBay Mobile more than doubled this Thanksgiving over last year. GSI Commerce saw a more than three-fold (345%) increase in U.S. mobile sales this Thanksgiving compared to 2010. And Searches through the local product listings platform Milo increased 557% percent over Thanksgiving Day 2010.
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The dramatic rise in payment volume via mobile phones isn’t particularly surprising considering all the hype around mobile shopping this holiday season. But a 500 percent increase in payment volume for PayPal is still impressive for mobile shopping and we haven’t even seen the full numbers for Black Friday or Cyber Monday yet.
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So far, things look positive for Black Friday, eBay says that as of 11 a.m. PST, PayPal is already seeing a more than six-fold increase (538%) in global mobile payment volume on Black Friday 2011 compared to the same time period on Black Friday 2010.
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E-commerce innovation fades as competitors rush to replicate ideas [18May11] - 0 views
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This ongoing flurry of activity is underpinned by a common desire to conquer three important categories of growth for consumer-oriented Internet companies: mobile, social and local commerce. The race to find the right mix is crucial for capturing revenues and the loyalty of consumers whose sources for information and entertainment are becoming increasingly fragmented.
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some members of the startup and funding communities are looking for the next wave. “I’m really searching far and wide for new ideas,” Rosa said. “There seem to be a lot of clones. ... There’s this behemoth ball of social and apps and mobile, and they’re just tacking onto this ball and rolling along. We’d like to see some more snowballs.”
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Next Century's Winners Will Master Machine-to-Object Communication, Leading Observer Sa... - 0 views
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Mark Roberti, founding editor of the publication RFID Journal, writes in an editorial this month that while M2M communication has great potential, the "real value" for sensor technology lies in machine-to-object communication.
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"On the other hand, a firm could put passive ultrahigh-frequency (UHF) transponders inside a container at various levels. Since the liquid would interfere with the ability to read the tags, a company could determine liquid levels by ascertaining which tags can and can not be read...you can't put a Wi-Fi transmitter or a cell phone on every box of Tide detergent, bag of Granny Smith apples or Van Heusen shirt. Low-cost RFID tags will, one day, be put on all of these things, enabling M2O communication."
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Leading wireless industry analyst Chetan Sharma detailed a similar vision to us in an interview earlier this year. (How 50 Billion Connected Devices Could Transform Brand Marketing & Everyday Life.) Sharma talked with us about cereal boxes with sensors inside them.
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Roberti says this will be a defining opportunity for the rest of the century. "This change - enabling computers to see and understand what is happening in the real world - is enormous. Most people have yet to grasp it, seeing RFID as a more expensive alternative to bar codes. They don't comprehend that when computers can automatically collect information regarding what is happening in the world, new insights and business strategies then become possible. And the companies that leverage these capabilities most effectively will be the big winners in the century ahead."
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Such a vision raises questions of consumer privacy, data ownership, silos vs. effective cross-company development platforms, corporate vs. consumer power and much more.
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KinectShop: The Next Generation Of Shopping [Exclusive Video] | Fast Company - 0 views
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Microsoft's Kinect has been the fastest-selling consumer electronic device in history, has over 10 million owners, and connects nearly 35 million users through Xbox Live--all of whom are capable of online sharing. "This type of experience is really an untapped market because these devices already live at home," says Dawson. KinectShop is primed to seamlessly integrate with real-life shopping experiences. "With an experience like KinectShop, a shopper can easily scan a QR code or swipe their NFC smartphone to take their experience with them and use wayfinding tools to locate the product in-store," Luke Hamilton, Dawson's Razorfish colleague, writes to Fast Company in an email.
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Virtual offices vs. virtual selves: overcoming isolation in a wired future [17Jun11] - 0 views
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while workers want autonomy and flexibility, they also want social connection. In an interview, Yosh Beier of Collaborative Coaching summed this up, saying, “people want to have control over the where and when of their work experience, but they don’t necessarily want to isolate themselves.” How will this tension be resolved in the future?
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Many point to technology to keep people connected across physical distance, tools “that will make the remote less remote,” in Beier’s words. He points to the mania for Foursquare in the consumer space as an example of people who are physically distant but use tech to “locate themselves.” The same is true for Facebook, which provides a virtual social connection and is a bit like a remote social gathering. Beier sees this trend of using tech to overcome the social isolation of web-enabled distance moving from consumers to web workers:
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But instead of substituting virtual spaces for real ones (the Matrix model), some folks are focusing on substituting virtual selves for physical presence and meeting in real spaces (the Avatar model). Just look at our recent piece on robot avatars you can send to work or events in your stead and control over the Internet. Commenters on the post were skeptical, but Trevor Blackwell, CEO of Anybots (he’s also a partner in Y Combinator), which makes the robo-avatars pictured above, insisted in an interview that the idea wasn’t science fiction:
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People actually get a kick out of locating themselves. They want to know where their colleagues are. There will be more programs like Sococo. The idea is to have a virtual office on your screen. You see your virtual coworkers located in their “office” room, can “walk” to their room, when in the same room the mics let you talk and listen seamlessly, you have conference rooms with whiteboards, water coolers and tea kitchens for those in need of small talk, etc. People’s real location doesn’t matter, but they choose to locate themselves in respect to the virtual office so the team cohesion is supported.
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The thing that’s far-fetched is robots with their own intelligence. Who knows if general purpose A.I. is ever going to happen? But robots that can move around in an office and be used as communication devices isn’t science fiction at all. Now we’re getting to the point where you can do it over a much larger distance because you can just do it over the internet, and the cost is low enough and reliability is high enough that it makes sense to do every day in an office. Our goal is to have 100,000 of these out there in five years.
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Of course, both technologies boil down to an extension of video conferencing, with the likes of Sococo adding the possibility of spontaneity and easy initiation of contact, and robot avatars offering mobility and the ability to inspect locations. Still, whichever technological future you favor, there will still be a screen between you and your fellow humans.
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Video-Sharing iPhone App Limits Users to 1-Minute Clips [22Sep11] - 0 views
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If mobile video sharing is to follow in the footsteps of its more desirable mobile photo-sharing cousin, which application will users want to use to shoot, share and discover video clips? It’s too soon to tell, but startup Klip joins the fray and is now vying for your video attention. The startup released its application for iPhone on Monday with a focus on letting users share super-short 1-minute video clips — on Klip or with Facebook, Twitter and Youtube — and helping users discover clips from friends or other users based on topics of interests. “Klip re-invents the way consumers experience the world by organizing mobile videos in real time and by connecting consumers with the people and the topics that interest them,” the company says.
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2012 will be a pivotal transition period for mobile payments (panel) | ZDNet [27Sep11] - 0 views
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Summary: Mobile payments are expected to pick up rapidly in the next year, but don’t expect NFC technology to be at the forefront just yet.
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Mobile payments is a hot topic at the moment, but there’s actually quite little going on in comparison when it comes to actual activity. There are hardly any smartphones enabled with NFC technology, nor are most of the digital wallet programs set up and running extensively yet.
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this field is expected to rapidly change within in the next year, according to a group of panelists assembled at GigaOM’s Mobilize 2011 conference in San Francisco on Monday afternoon. The mobile payments spectrum could (and should) look vastly different at this time in 2012.
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it will finally be the year to move beyond pilots and trials into real, full-blown commercial deployments.
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Dave Talach, vice president of global product management at VeriFone, affirmed that he loves NFC because of the frictionless and seamless experience it offers customers as it enables the possibility to pay, utilize coupons, earn loyalty points and more all with a single click — thus creating a unique experience tailored to each consumer.
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In the end, it’s really about producing a solution that is secure and convenient for both the consumer and the seller more than anything else.
1MoreMore Africans have access to mobile phones than to clean drinking water [02Oct11] - 0 views
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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.
5MoreThe End of Social Media 1.0 Brian Solis [29Aug11] - 0 views
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I would like to talk about an inflection point in social media that requires pause. I am not suggesting that there will be a social media 2.0 or 3.0 for that matter. Nor do I see the term social media departing our vocabulary any time soon. After all, it was recently added to the Merriam-Webster dictionary. Instead, what I would like to discuss is the end of an era of social media that will force the industry to mature. It won’t happen on its own however. Evolution will occur because consumers demand it and also because you’re willing to stake your job on it.
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The future of social media comes down to one word, “value.” Without it, businesses will find it much more difficult to earn and retain friends, fans and followers (3F’s). As adoption of social networks soared in previous years, growth is now plateauing. eMarketer estimates that Facebook growth will hit only 13.4% this year after experiencing 38.6% acceleration in 2010 and a staggering 90.3% ascension the year before. Facebook isn’t alone in its sobriety either. The rate of Twitter user adoption fell from 293.1% growth in 2009 to 26.3% this year.
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Between June 2009 and June 2011, the following changes were noted in Facebook activity: - Uploading videos is experiencing a modest increase around the world up 5% in the U.S. and 7.6% worldwide. - Installing apps is on the decline, down 10.4% in the U.S. and 3.1% worldwide. - Sending virtual gifts may not be gifts worth giving after all, with numbers declining 12.9% in the U.S. and 7.5% around the world. Twitter on the other hand is a rich exchange for information commerce, where links become a form of digital currency. For example, 45% share an opinion about a product or brand more than once per day. Another 34% of Twitter users also share a link about a product or brand more than once per day.
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Consumers want to be heard. Social media will have to break free form the grips of marketing in order to truly socialize the enterprise to listen, engage, learn, and adapt.
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Social media becomes an extension of active listening and engagement. Strategies, programs, and content are derivative of insights, catalysts for innovation, and messengers of value.
14MoreFour mega trends shaping the future of commerce [18Sep11] - 0 views
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In the next decade, we’ll see more change in the commerce landscape than in the past 100 years combined.
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By leveraging inventory sharing and local mapping, buyers can now access real-time inventory data while on the go
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merging of mobile and local is also leading to the creation of entirely new business models and opportunities
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The explosion of consumer interest in social networks has spawned the so-called social commerce opportunity.
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the group gifting apps and the ‘social shopping mall’ concept that allows sellers to offer their products directly to hundreds of millions of Facebook users.
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Digital has changed everything—including how we use and think about currency. People now have the ability to bump phones together to pay off a friendly wager, order and pay for a meal
9MoreIncreasing Brand Awareness with NFC Technology and Social Media | Social Media Today [2... - 0 views
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It conjectured the use of NFC (Near Field Communication) and how it could benefit brands, their awareness and message all through social media.
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The hypothesis that brands can utilise NFC technology within their stores, which may further enhance their brand message with brand awareness, along with social media tie-ins with NFC technology should be taken seriously.
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There’s already an associated cost with print labels, which uniquely identify a product, so the respective costs associated with reproducing the same product with an NFC tag should be negligible, right?
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A tag is a mechanism from which information can be wirelessly shared; in the same way a QR code can be read by a scanner (NFC reader).
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In some stores there will be a combination of tags and tag readers – the Smartphone will contain a tag/reader combination, as it is capable of sharing information, so that a store can retrieve your name, contact information and so on (with your permission) and likewise you can read information from a tag
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At the backend of the NFC application, there may be several other applications supported by a web-portal or, in fact, a link through to a social media platform – ‘Likes’ a ‘retweet’; ‘+1’ and so on. Of course, adoption will be slow at first and there will also be the early adopters which, in turn, will fuel the greater purchasing community.
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With social media alone, brands can (and should) develop a dialogue with their consumers, which could well be further compounded by NFC supporting an ecosystem where consumers can begin to resurrect that loyalty spirit.
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NFC has the potential of creating a lively and dynamic market community sharing experiences and purchases with the wider community all enjoyed through social media.
1MoreIota, led T-Mobile Vets, Seeks a Simpler Way to Navigate the 'Internet of Things' [06Ju... - 0 views
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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.
3MoreMobile Industry is Now 2% of the World's GDP, Analyst Reports [07Jul11] - 0 views
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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.
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"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."
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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.
3MoreHalf of UK population owns a smartphone | Technology | guardian.co.uk [31Oct11] - 0 views
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Just under half of the UK population now owns a smartphone, and Google's mobile operating system Android is powering half of those those being sold – followed by RIM's BlackBerry models with 22.5% and Apple's iPhone at 18.5%.
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The pace of smartphone sales is accelerating rapidly, too. In the 12 weeks to 2 October, they comprised just under 70% of mobile phones, according to new research from Kantar Worldpanel ComTech.
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Dominic Sunnebo, Kantar's global consumer insight director, warned that the next year could see a lot of jockeying for customers.""Over the next six to 12 months, the current group of Android owners will be coming to the end of their contracts and looking for an upgrade," he said."Our data shows that when these consumers upgrade they tend to remain fairly loyal to Android itself – 62% buy another Android mobile – but considerably less so to the handset manufacturer."
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