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Marc-Alexandre Gagnon

How Mobile Payments Will Evolve In the Next Several Years - 0 views

  • Mobile payment has become a mainstream tech topic in the last couple of years, mirroring the rise of smartphones and application stores. E-commerce is becoming m-commerce. The focus point of the buzz has been the evolution of near-field communications as related to smartphones. The thing is, nobody in the payments industry expects NFC to be a player in mobile payments for years, if ever. In that case, what does the mobile payments ecosystem look like in the short term?
  • The current mobile payments market centers around several cores: direct carrier billing, mobile wallets, online and offline sales, mobile credit card readers and application stores. During meetings with various mobile payments experts and executives at CTIA last week, the most uttered phrase was: "This is not something I would use to buy a fridge." Where are mobile payments going?
  • The Non-Promise of NFC OK, let us get one thing straight: NFC may never be a widely used form of payments. There are so many reasons why it will not be. Foremost, the logistics of NFC are a nightmare. The actual technology is probably ready. The infrastructure around the technology is not. There are too many competing interests coming from above the retail market that creating a universal NFC reader between smartphones and financial services is not going to happen anytime soon. The closest thing to a widely used system would be Mastercard's PayPass, but even as widespread as that is, it is no where near the type of market penetration that would create an inflection point for NFC to take off. Second, PayPass needs a software upgrade to offer any type of deals, something that will be important in the mobile payments world.
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  • The second half of the NFC conundrum is that there are a lot of hands reaching for the supposed pile of money that NFC payments will enable. Look at Google's announcement of the Wallet product. Or the ISIS partnership between Verizon, T-Mobile and AT&T. Google is partnering with Mastercard, CitiBank, Sprint, FirstData, Verifone, VivoTech (the NFC partner), Hypercom, Ingenico and NXP (another NFC partner). All of these large companies are going to want a slice of the pie. Where does that leave the retailers? You know, the ones that are actually trying to make money with good and services? Sadly, on the outside of the circle. The carriers are the biggest culprits, wanting to take as much as 50% of transaction revenue because it is "going over their pipes." The financial services companies will be happy taking their normal rates in the 1.75% to 3% range as long as there is a promise that more people will pay electronically (read: sans cash). Between retailers, partners and infrastructure, NFC has years to go before it will be viable for all parties involved.
  • What will happen in this time frame? Think about the so-called "4G" technology WiMax. The technology is already becoming antiquated with LTE and all the major carriers are working on the next version after that. Sprint is keeping a hybrid of WiMax and LTE going forward but overall it is a tech that died before it even matured. NFC may be the same. What if there are massive leaps in quantum teleportation in the next several years? Does NFC become the WiMax of the payment world?
  • Maturation Of Direct Carrier Billing The "I do not see myself buying a fridge with this" line comes mostly from the direct carrier folks. Direct carrier billing is the perfect area for micro-payments and payments that stem from ease of use. Think of parking. If you could pay for your parking on the street with your phone, would that convenience be worth an extra couple of cents on the dollar to you? The direct to carrier ecosystem has evolved to the point where it actually makes sense for offline and online use. Zong (acquired by eBay for PayPal integration), PaymentOne and Boku are the leaders in this space. PaymentOne has processed $5 billion in mobile payments and lets users pay with their phone numbers, validating transactions via text. Zong allows that capability as well. Payment One's "One Care" features, announced last week at CTIA, makes direct to carrier billing safe and secure. Transparency is important in mobile commerce because consumers do not really trust their phones to handle their money quite yet. The most important aspect of direct to carrier billing now is that the revenue mechanism has been flipped. It used to be that merchants only got some 40% or less of payments while the carriers and partners took the rest. Even with high margin transactions, that is unacceptable. Today, direct to carrier billing provides the merchants with more than 80% of the revenue, sometimes nearly 95%.
  • The Dongle World: Smartphones As Credit Card Readers Square, VeriSign and Intuit are pushing hard into the dongle department. Jumio is doing the same thing, just without the dongle. There is not much to be said about the dongle world that we have not already touched on at ReadWriteWeb outside of the notion that it is bringing easy credit card readers to the mobile masses.
  • The dongle competitors are not worried about what is happening in the ecosytem because it does not really touch their core business. For instance, PayPal does not see NFC or dongles infringing on its business in any way, shape or form. As Laura Chambers, PayPal's head of mobile, said in a recent interview, "we are not worried about much in the ways of competition. There is a lot of white space in the industry for horizontal movement."
  • What Is PayPal Really Doing? In the interview with Chambers, the first question I asked was, "Why does it seem like PayPal has become a "me too" operator in mobile payments?" It is a fair question, even if Chambers balked to acknowledge that PayPal has been in "me too" mode for the last year or so. PayPal has ignored the dongle movement and NFC is not on its radar as a technology it feels it needs to integrate. "What is the difference between a tap versus a swipe?" Chambers asked. "We are working with what works in the current infrastructure ... We have sat down with consumers and merchants to work with them on what they want." PayPal is growing sideways because there is not a ton of room right now to grow vertically. PayPal will get into NFC solutions when the time is appropriate. Its strategy now is to create as much flexibility for consumers as possible through its mobile wallet program. PayPal's stance is data driven - the company can track when and what consumers buy from mobile phones and tablets. Hence, PayPal is focusing on the shopping end of the spectrum, as opposed to a pure payments play. "60% of people buy more and spend more on mobile," Chambers said. "But, we see that people are not really buying different things on mobile ... the No. 1 driver of growth in mobile payments is boredom." That fits in well with what PayPal sees as "couch commerce." They released a study recently saying that mobile shopping is going to boom this holiday season. As such, PayPal is ready to deploy an end-to-end solution for merchants and consumers to reward loyalty and provide deals and offers along with digital receipts. PayPal believes that it has a lot of room to grow in mobile through these types of horizontal movements. We are also seeing this on a non-mobile front with eBay partnering with Facebook and the Open Graph API and the new X.Commerce initiative that consolidates the PayPal, Zong, Magento, RedLaser and Milo technologies. The company is calling it an "open commerce ecosystem."
  • Future Of Mobile Payments This article is the first in a series of the trends in mobile payments that ReadWriteWeb will be working on in the next several months. There are a lot of questions and the answers are just beginning to emerge. Who are the winners in the space? Are retail shops in danger of "becoming expensive fronts for online shopping," as Chambers said in the interview? Does NFC really have potential to disrupt offline payments or is it just cool technology? These questions and more are what we will be tackling in the months to come.
Dan R.D.

The Darknet Project: netroots activists dream of global mesh network [07Nov11] - 0 views

  • A group of Internet activists gathered last week in an Internet Relay Chat (IRC) channel to begin planning an ambitious project—they hope to overcome electronic surveillance and censorship by creating a whole new Internet. The group, which coordinates its efforts through the Reddit social networking site, calls its endeavor The Darknet Project (TDP).
  • The goal behind the project is to create a global darknet, a decentralized web of interconnected wireless mesh networks that operate independently of each other and the conventional internet. In a wireless mesh network, individual nodes can relay data for other nodes, ensuring that the routing of data remains robust as nodes on the network are added and removed. The idea behind TDP is that such a network would be resistant to censorship and shutdown because there would be no central point of control over the infrastructure.
  • "Basically, the goal of the darknet plan project is to create an alternative, more free internet through a global mesh network," explained a TDP organizer who goes by the Internet handle 'Wolfeater.' "To accomplish this, we will establish local meshes and connect them via current infrastructure until our infrastructure begins to reach other meshes."
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  • TDP seems to have been influenced in part by an earlier unofficial effort launched by the Internet group Anonymous called Operation Mesh.
Marc-Alexandre Gagnon

Twitter Nabs Former Oracle Development Exec As VP Of Infrastructure Engineering | TechC... - 0 views

  • Twitter has just announced a key engineering hire today. Adam Messinger will be joining the company as Vice President of Infrastructure Engineering.
  • Messinger was previously Vice President Development at Oracle, where he was responsible for managing the Oracle Coherence, Oracle JRockit, Oracle WebLogic Operations Control, and other web tier products. Prior to joining Oracle, he worked as a venture capitalist at Smartforest Ventures and O’Reilly AlphaTech Ventures.
  • At Oracle he was responsible, for the development Exalogic, Java SE, FX, ME, and Card, Coherence, Virtual Assembly Builder, Middleware Lifecycle and Applications Lifecycle. Prior to his time as a VC, he founded Gauntlet Systems Corp., which was acquired Borland.
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  • It’s a big development hire for Twitter, as the company says Messinger “was doing web engineering before many used the web.”
Dan R.D.

Opening government, the Chicago way [17Aug11] - 0 views

  • Cities are experimenting with releasing more public data, engaging with citizens on social networks, adopting open source software, and finding ways to use new technologies to work with their citizens. They've been doing it through the depth of the Great Recession, amidst aging infrastructure, spiraling costs and flat or falling budgets. In that context, using technology and the Internet to make government work better and cities smarter is no longer a "nice to have" ... it's become a must-have.
  • That's the kind of "citizensourcing" smarter government that Tolva is looking to tap into in Chicago.
  • "This is as much about citizens talking to the infrastructure of the city as infrastructure talking to itself," he said. "It's where urban informatics and smarter cities cross over to Gov 2.0. There are efficiencies to be gained by having both approaches. You get the best of both worlds by getting an Internet of things to grow."
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  • The most important thing that Tolva said that he has been able to change in the first months of the young administration is integrating technology into more of Chicago's governing culture. "If a policy point is being debated, and decisions are being made, people are saying 'let's go look at the data.' The people in office are new enough that they can't run on anecdotes. There's the beginning of a culture merging political sensibility with what the city is telling us."
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

PayPal'​s Don Kingsborough: in-store payment is ours to lose - 0 views

  • Don Kingsborough could have called it quits. The man who founded Worlds of Wonder Toys, famous for Teddy Ruxpin and helping lead the introduction of Nintendo in the U.S., and the former president of of consumer products at Atari, was just winding down his time last year at Blackhawk Network, a pre-paid card company that he had sold to supermarket Safeway. With his options expiring, he decided to sell and contemplated retirement.
  • But then PayPal came calling, and Kingsborough couldn’t resist the opportunity to make one more big stab at shaking up the retail world. Kingsborough joined PayPal in March 2011 as VP for retail and prepaid products, heading up PayPal’s efforts to launch an in-store payment system.
  • In his first extensive interview since joining PayPal, Kingsborough said he wasn’t just interested in extending his career; he saw a huge chance to fundamentally change the way people shopped in retail stores as digitalization moved payments beyond cash and credit. And he believes that PayPal is uniquely positioned to bring that vision to market.
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  • “I thought someone would be able to change the way people shop, but I didn’t think it would be a startup because this will happen quickly and you also need brands that people trust. And PayPal is one of them. It takes the combination of a trusted payment company and the cooperation with great brands that people trust to change how people shop. I thought I would be able to convince all the major retailers all around the world because I have had  relationships with them for 30 years,” Kingsborough said.
  • Even with the departure of PayPal’s president Scott Thompson, who is now Yahoo’s new CEO, PayPal hasn’t missed a beat and is executing on its vision, Kingsborough said.
  • Solving consumer and merchants needs Kingsborough came in and honed the in-store payment initiative, which was underway well before Kingborough arrived. He focused on appealing first to consumers and making it simple for them to grasp, before ensuring the merchants could be able to understand the value of the system. Then he went about getting the cooperation of merchants, criss-crossing the country to call upon retailers and payment infrastructure companies to get them on board. Along the way, he helped PayPal pick up necessary components like location-based service WHERE, whose CEO Walt Doyle was personally persuaded to sell by Kingsborough. The plan is now to start rolling out the payment system in the second quarter though the first U.S. trials have already begun with Home Depot.
  • Kingsborough said he was drawn to PayPal’s approach to payments because it was aimed at solving deep consumer and merchant needs. He said competitors who focus on near field communication and other alternative payment systems are too often preoccupied with the capabilities of their technology, but they’re not addressing the pressing needs of users.
  • “Competitors think they’ll solve how easy it is to pay at retail, but that’s not a consumer problem. Their problem is how do they become masters of shopping and use their money smartly and organize their efforts to shop online, in-store and on mobile,” said Kingsborough. “We have a holistic approach. We ask the consumers [what they] want to do. They want to save money, save time and feel important in stores.”
  • NFC: a feature, not a solution That’s partly why he thinks NFC in particular isn’t ready for prime time. He said it’s going to take a while for it to proliferate in stores and on handsets. But more fundamentally, it doesn’t make consumer’s lives better.
  • “Do I think NFC will work someday? Maybe. But to me, NFC is a feature, not a solution that solves problems. If your strategy is NFC today, you need a new strategy,” Kingsborough.
  • Google and Isis, the carrier consortium including Verizon, AT&T and T-Mobile, are pushing hard on NFC and are angling to become the go-to mobile wallet for users, who will be able to pay at point-of-sale terminals with a tap of their phone. Many of the pieces for NFC fell into place for the technology in 2011, though there are still many hurdles ahead toward a broad rollout (subscription required) and mass consumer adoption.
  • PayPal’s approach bypasses many of the hardware constraints of NFC and pushes a two-pronged approach to in-store payments. Users can either use a PayPal Access card connected to their account, or more intriguingly, enter their phone number and PIN at a POS terminal and access their PayPal account. PayPal takes a user’s identification and turns it into a token, which is authenticated in the cloud, so no actual credit card numbers or financial data travels back and forth.
  • What it takes to win Kingsborough said the companies that win will be comprehensive and ubiquitous, allowing consumers to conduct transactions wherever they want to. By going with a software-based approach, PayPal can address about 8.2 million of the 10 million point of sale terminals with its payment system, without forcing retailers to buy new hardware. Then it’s up to PayPal to convince retailers to jump on board. It’s doing some critical work by signing deals with payment infrastructure companies like AJB Software Designs, which helps connect the point of sale terminals at many tier-one retailers to payment processors and financial institutions. Merchants that use AJB will have an easy path in enabling PayPal payments in store. PayPal is talking to other point of sale companies such as Verifone.
  • Merchants won’t just be getting a potentially cheaper alternative to credit cards. In PayPal’s vision, they’ll also be getting a way to push out offers to consumers, both in-store and nearby. Kingsborough said PayPal is working through its mobile app to address a variety of needs of merchants, from helping them manage online, mobile and in-store sales to improving loyalty and offering targeted discounts to users. Those additional tools will be rolled out over time in the next year or two. Google has outlined early plans to also provide coupons and offers to consumers using Google Offers in conjunction with Google Wallet.
  • Providing value But the other important winning determinant will be providing valuable, relevant and easy-to-use services to consumers, becoming the one mobile wallet they turn to, said Kingsborough. He said using tools like WHERE’s targeting and location technology will allow merchants to not just push out deals but deliver very context-aware content. For example, he said a clothes retailers might be able to message a nearby customer, letting them know they’ll earn $5 in their PayPal account that day if they buy jeans that they’ve purchased in the past. And, with the right permissions, the merchant may also be able to know the customer is with two friends and offer a group discount.
  • “It’s not just the capabilities of location-based services or understanding what a person just did; but it’s about being highly relevant to the person using the services,” Kingsborough said
  • He said in the battle to become the preferred digital wallet, PayPal will be the simplest for people to use, allowing people to link their credit, debit and loyalty cards, even potentially their drivers license. Just as people stick primarily to one browser, he said consumers will want to rely on primarily one wallet and he believes that PayPal will be that provider.
  • “Ours to lose” Kingsborough said it’s the whole offering that makes PayPal’s approach a winner. It’s a trusted name with more than 100 million users worldwide and it’s focused on providing value to both consumers and merchants with an easy path to ubiquity. “This is ours to lose,” he said. “I’m very confident about that. Otherwise, I’d be golfing right now in Hawaii.”
Marc-Alexandre Gagnon

Cash, credit or cellphone? Plan offers new way to pay - 0 views

  • Leave your wallets at home, people. You'll soon be able to pay by cellphone.
  • Canada's three big wireless service providers are hatching a system that promises to change the way people shop.
  • Bell Canada, Rogers Wireless and Telus Mobility said yesterday they have set up a mobile commerce company in Toronto to work on a network that would let consumers use their cellphones to pay for everything from vending machine munchies to transit trips.
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  • The jointly owned company, Wireless Payment Services, aims to standardize and commercialize an easy-to-use mobile phone payment system. The carriers declined to say how much they're spending on the initiative.
  • The announcement is the latest example of Canada's wireless providers joining forces to push potentially revolutionary technology.
  • It's also further evidence that cellphones are moving way beyond their traditional use and into music playing, gaming, Internet and other applications.
  • Consumers should expect to see some changes starting next summer.
  • Prepaid wireless users will be affected first. The aim is to allow them to use their phones to buy more account minutes instead of having to visit a merchant.
  • After that, the carriers want to gradually roll out the system at retail points of sale and service centres like ticketing outlets.
  • "What the user will be able to do, ultimately, is to tap or wave their mobile device in front of a point-of-sale terminal to pay," said Jeff Chorlton, president of Wireless Payment Services.
  • Payment will be withdrawn from the user's bank account or charged to a credit card.
  • "All of your payment methods could be contained on your cellphone," Chorlton said.
  • Many handset makers have begun trials to add a payment function to their cellphone product lines. Payment works through a short-range wireless technology called near-field communication. NFC lets users exchange information securely by bringing two electronic devices close together.
  • The technology could forever alter consumer lifestyles, predicts the NFC Forum, an industry group promoting the technology founded in 2004 by Nokia Corp., Royal Philips Electronics and Sony Corp.
  • The Forum offers this future scenario on its website: "With Near Field Communication enabled devices, you will make your travel reservations on your PC and download your tickets to your mobile phone or PDA, just by bringing it next to the computer. Then you will check in for your trip by touching your hand-held device to the departure gate kiosk - no paper, no printing."
  • The system will allow retailers and other companies to save money, Chorlton said. "For some merchants, it could represent the roll-out of infrastructure at very low cost because the infrastructure largely exists through hand-held devices."
  • Mobile users in such places as Hong Kong and Finland are already using NFC technology to hop on a bus or buy some new threads. Canadians should take to wireless payment because they already frequently use cashless commerce like debit cards, said Dennis Kira, an e-commerce specialist at Concordia University.
  • "In my mind, the public in general is ready for it."
  • Canada has about 16 million mobile phone subscribers.
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

Peer 1 launches Zunicore, a new cloud service. - Cloud Computing News [07Nov11] - 0 views

  • Peer 1, the hosting provider, has joined the ranks of Rackspace, GoDaddy and other hosting companies that have decided to get into the cloud. On Monday, it launched its Zunicore service, which combines the elements of an Infrastructure-as-a-Service with those many would consider more akin to a Platform-as-a-Service.
  • For example, instead of a virtual machine, a customer buys a “resource pool” that they can customize to fit their needs, as opposed to buying a small, medium or large virtual machine.
  • The company also offers auto scaling, a feature more common in Platforms-as-a-Service such as VMware’s Cloud Foundry, Microsoft’s Azure or Heroku. However, the service is pay-as-you-go and deployed on demand. It includes a dashboard that functions as a fuel gauge for compute resources that shows IT pros when to spin up additional resources.
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  • Peer 1 will operate Zunicore across three data centers in Fremont, Calif.; Toronto; and Portsmouth, England. The company also offers a service level agreement aimed to luring businesses to the cloud. It appears that Peer 1′s cloud will not compete for hard-core developers that tend to like the ability to scale on Amazon, no matter the drawbacks, but it might appeal to those customers wanting a little more flexibility than a PaaS might offer but don’t want to sweat the uncertainties that might come with a true IaaS.
Marc-Alexandre Gagnon

ROI for Social Technologies? In a Word, Squishy | Blogs | ITBusinessEdge.com [18Nov11] - 0 views

  • a survey administered by Jive Software that found both executives and knowledge workers believe social software will become a necessary part of doing business — even though the return on investment for this kind of software is still pretty squishy. 
  • Improving customer loyalty and service levels and driving increased revenue or sales were among the top reasons for using social software mentioned by survey respondents.
  • they shouldn't become so focused on attaining a hard ROI that they miss opportunities to use social to solve business problems.
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  • an article written by Chess Media Group principal Jacob Morgan
  • Morgan noted that while none of the participating organizations were able to offer a projected ROI, all agreed that enterprise collaboration technologies solved business problems, and that doing so was a good enough reason to make the investment.
  • report titled "Social Business Systems: Success Factors for Enterprise 2.0 Applications." According to the survey, which was sponsored by a group of 20 companies that sell social software, just 12 percent of organizations must make a financial business case for social business investments, down from 20 percent in 2010's survey.
  • 27 percent said social applications were considered part of the infrastructure, in much the same way as email or teleconferencing, up from 12 percent last year.
  • In my interview with AIIM President John Mancini about the survey, he told me social technologies were becoming "the digital dial tone for organizations." He said:You wouldn’t have to do an ROI analysis for your email system. These types of systems are going to be adopted in some way, shape or form by most organizations. They decide, “We need this capability. It should be a platform. It’s going to be a core infrastructure.” Then they figure out how much they want to spend. You don’t go through the kind of elaborate analysis you do for other systems, including content management systems, which AIIM does a lot of.
Dan R.D.

Internet of Things - How it will change the world [25May11] - 0 views

  •  
    According to a recent report by Amdocs, experts are predicting that there wil be seven trillion networked devices by 2017, delivering a connected life that has immediate access to data, media, communities and communications across a broad range of devices We have been promised this interconnected world since the 1980s, bu imitations such as costs and the size and capabilities of chips and infrastructure, have kept many innovations on hold However, 4G and IPv6 now offer vast superhighways of space and speed delivering what's needed for machine to machine (M2M) communication to take place on a grand scale. Add to this the fact that Moore's Law remains a constant, chips have become both smaller and more affordab
D'coda Dcoda

Can Cloud Computing Save The American Economy? [11Jun11] - 0 views

  • picture a world where software platforms are available online and easily customizable. Picture a world where compute power is generated off site, available in quantities when and where you need it. And picture a world where information is safely stored, efficiently managed and accessible, when and where you need it. These are cloud infrastructures. The economies of scale, flexibility and efficiency they offer will not only save organizations massive amounts of capital and maintenance costs but emancipate them to apply and use information as never before. An unbelievable opportunity to raise productivity while creating unprecedented opportunities for businesses and workers.
  • Now picture a health-care system where a doctor has medical records at his fingertips, can see x-rays with the click of a mouse, is able to learn and apply the latest diagnostic and surgical technique from anywhere in the world. Think of the efficiencies in hospital supply chains, the delivery of prescription drugs, the processing of billing and insurance claims, reductions in fraud, and the application of best practices for cost controls. The capacity for improvement is endless.  As a matter of fact, these innovations are already being applied in isolated pockets. But for us to seize the opportunity before us it’s imperative that we move from isolated centers of excellence to connected systems of excellence. Pick any industry and systemic improvements like these are available.
  • A new age of innovation and technology advancement is within our grasp – an opportunity for job creation, greater productivity and economic growth. The time for cloud computing is now. We need government and industry to accelerate broad scale adoption of cloud infrastructures so we can reap the rewards of a true information based economy.
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.

Don Draper needs to re-brand infrastructure for the internet era [30Jun11] - 0 views

  • The cool kids of today - yes, the same kids who will be voting in the 2012 election - don't want to talk about infrastructure. Instead, they want to talk about mobile devices, crowdsourcing real-time data and collaborating via high-tech RFID sensors. They don't want to think about massive government expenditures and cheap bank loans for new construction projects. They think about cool ways for The Internet of Things to empower everyday citizens.
Dan R.D.

Wilderness communication without cell towers | KurzweilAI [14Jul10] - 0 views

  • Australian scientists have invented software that enables mobile phones to work in remote areas where there is no conventional coverage and in locations where the infrastructure has been destroyed through disaster, or is not economically viable.The “Serval Project” technology enables ordinary mobile phones to make and receive calls without the need for phone towers or satellites.
  • Converting a cell phone into a cell tower The project includes two systems that can operate separately or be combined. One is specifically for disaster areas, and consists of a temporary, self-organizing and self-powered mobile phone network that operates via small phone towers dropped into the area by aircraft.The second system consists of a permanent mesh-based phone network between Wi-Fi enabled mobile phones, with no tower infrastructure required. It incorporates a compact version of a mobile phone tower into the phone itself, using the Wi-Fi interface in Wi-Fi-enabled phones.The current range between phones is only a few hundred meters, which limits the usefulness of the system in remote areas, but adding small transmitters and more devices could expand the range considerably.
Dan R.D.

Coming Soon to a Bank Near You: Cloud Computing [02Nov11] - 0 views

  • The financial services industry is warming up to the idea of using the cloud for some of its critical computing needs. More than half of bank transactions will be supported by cloud-based infrastructure and software by 2015, according to a recent report from Gartner.
  • That is the expectation of about 39% of financial services CIOs worldwide, according to the survey. In Europe, the Middle East and Africa, 44% of CIOs for banking firms expect that more than half of their institutions' transactions will take place via infrastructure that lives in the cloud, and 33% expect most of them will be processed using some type of SaaS application.
  • For banks, the cloud can offer far greater computing power and scalability. Migrating critical operations there won't be without its risks, however. Security and stability are always a concern when moving to the cloud, and that's especially true when highly sensitive data like financial transactions are involved. It simply requires that systems are architected in a secure and fail-proof way.
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  • As Gartner Managing Vice President Peter Redshaw summed it up, "Successful new cloud services can displace the existing and dominant process for design, distribution or transacting in a disruptive way, rather than just incrementally improving them."
Marc-Alexandre Gagnon

Top 7 Mobile Commerce Trends in 2011 - 0 views

  • 1. Just Gimme My Mobile Wallet, Man There are a lot of deviations of a mobile wallet, and everyone does it differently. Essentially, the mobile wallet is exactly what it sounds like: A service that stores everything you would normally put in a physical wallet, including debit and credit cards, coupons and loyalty cards, in a mobile wallet. Not all wallets store data on the phone itself; SCVNGR's LevelUp and PayPal, for example, store data in the cloud. Your mobile wallet arrives empty, just like an wallet. You decide what goes in it. Google's mobile wallet works off of an NFC chip called the Secure Element, which acts like a secure wallet and differentiates this product from being just an app. It's also separate from the phone's main operating system and hardware.
  • Google launched its Wallet program in late May. The official launch (yes, a beta) happened in September. Google chose MasterCard as its official partner in the realm of mobile payments using near-field communications (NFC). At the time of launch, Nexus S 4G on Sprint with Citibank and payment network MasterCard was the only phone compatible with Google Wallet. The industry is preparing for Wallet, but the consumer side isn't quite there yet. In September, however, Visa also signed a licensing deal to include credit and debit cards in Google's Wallet program. MasterCard's has begun its shift toward technology innovator thanks to its new partnership and investment with mFoundry. This solidifies MasterCard's commitment to the field of mobile payments. PayPal has a slightly different vision for its mobile wallet. With a wallet in the cloud, consumers can select a payment instrument (credit card, debit card, bank account) and then use any Internet-connected device to enable that purchase. Really, PayPal wants to be technology agnostic, meaning that its mobile wallet should work on any device regardless of the operating system. In mid-November, PayPal unleashed its mobile wallet that features a card and a smartphone app that lets consumers store credit cards, gift cards, frequent flier miles and more. Speaking of mobile wallets, whatever happened to Apple's iWallet? NFC never did come to the iPhone4S.
  • 2. Where NFCs Will Go, Few Do Know NFC (near field communication) enables the exchange of data between devices (typically, mobile devices) that are in close proximity to each other. NFC devices are used for more than just payments, though - they can be the link between real world actions and consumer-facing or back office systems. While card issuers love NFC options, they would force payment processors to radically redesign. Are consumers ready to trade in the swipe of a credit card for the tap of an NFC-enabled device? NFC may never be widely used as a form of payments, writes RWW mobile expert Dan Rowinski. While the technology around NFC is ready and being widely adapted within the industry, the actual infrastructure is not there yet. But the NFC hype is here. Since Google's Beta Wallet launch in September, it has partnered with Mastercard, CitiBank, Sprint, FirstData, Verifone, VivoTech (NFC partner), Hypercom, Igenico and NXP (NFC partner). On the opposing end, NFC mobile payment solution ISIS is poised to attack Google's Wallet; it recently partnered with Verizon, T-Mobile and AT&T.
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  • In 2012, there will be more NFC-enabled Android devices. For now, only the Samsung Nexus S and a few others have mobile wallet capabilities. Lest we forget PayPal, it is important to note that it recently launched an Android app that allows for money transfer via NFC. 3. Carrier Billing Is Alive And Kicking Carrier billing allows users to pay for apps on their mobile phone bill instead of using a credit card or a third-party mobile payments service to pay at the time of purchase. This payments system is moving right along. In April, Spring joined T-Mobile and AT&T to support carrier billing in the Android Market. Mobile payments company BOKU went live for Android app developers in June. It began offering carrier billing on 230 operators in 56 countries worldwide. eBay purchased mobile payments company Zong in July, and integrated it into PayPal. Zong allows users to make mobile purchases through carrier billing. PaymentOne, another leader in carrier billing, lets users pay with their phone numbers, and validates transactions via text.
Marc-Alexandre Gagnon

How PayPal plans to scale its in-store payment system - 0 views

  • PayPal’s first retail tests of its in-store payment system is happening at Home Depot, the payment company acknowledged last week. But the bigger test will be ensuring that many more retailers and merchants are in a position to easily integrate PayPal’s system as it looks to roll out its offering this year.
  • PayPal is taking a big step forward by partnering with AJB Software Designs, which helps connect the point of sale terminals at many tier-one retailers to payment processors and financial institutions. AJB is now incorporating PayPal’s mobile payment system into its framework and building out a specific PayPal interface, which will allow PayPal users to pay through 250,000 point-of-sale terminals that connect to AJB software. AJB said it services 20 percent of the top retailers in North America. The AJB integration should be become available to retailers in the first quarter of this year.
  • Retailers will still have to decide if they want to enable payments via PayPal. And the process of outfitting stores and chains can take anywhere from days to weeks. But if they choose to make the software upgrade, retailers will be able to receive payments via a PayPal Access Card or through an “empty hand” payment in which a user accesses their PayPal account by entering in their phone number at a point of sale terminal. In both cases, they will need to confirm a transaction with a PIN code and then AJB’s software takes the request and pings PayPal, which authenticates the user. PayPal can send back coupon information or deals stored on a user’s PayPal app, which the user can then decide to apply before selecting their payment form and checking out. After the transaction, users will receive an e-receipt on their PayPal app and online in the PayPal account.
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  • Pat Polillo, vice president of sales and support for AJB, told me it’s unclear how many of AJB’s more than 140 major retailers will sign on with PayPal’s system when it becomes available later this year. But he said it’s an appealing option for retailers who don’t have to upgrade their point-of-sale hardware to accept payments from PayPal’s mobile payment system. He said five retailers have already asked if AJB will be working to support PayPal’s system.
  • “What’s nice about PayPal’s solution is it doesn’t require NFC hardware. That’s how you can envision that retailers would say it makes sense, because it uses the infrastructure already in their stores,” Polillo said.
  • PayPal plans to strike similar agreements with other payment ecosystems, PayPal spokesman Anuj Nayar told TechCrunch earlier this week.  Nayar told me recently that PayPal’s in-store payment system will roll out over the next 12 to 24 months. This is the beauty of PayPal’s approach because it doesn’t require consumers or merchants to have NFC devices, which is something PayPal has harped on a number of times. And if PayPal can do a good selling job on retailers, it has a pretty quick path toward a broad deployment.
  • But getting in stores is just the first step for PayPal. It has to show more value for merchants. As I wrote recently, PayPal is looking to leverage location-based offers to help drive traffic to retailers and encourage users to pay via PayPal, which can close the redemption loop and help show retailers the efficacy of using PayPal. But there needs to more ways for merchants and retailers to connect to consumers. Being able to establish a user’s presence inside a store will allow a merchant to send them offers and discounts. PayPal has shown off how it hopes to help merchants do this by encouraging users to scan QR codes when they enter a store for a coupon. And it is planning to let consumers scan items to check for inventory or purchase products directly from a store aisle and have it shipped home.
  • All of these other added elements are going to be necessary for PayPal to sell its system to merchants, who need more than just another payment system. Those elements will come in time but for now, PayPal is laying the ground work to be in a lot of stores later this year.
Marc-Alexandre Gagnon

Your mobile wallet - 0 views

  • We've been promised a wallet in our phones for years, but 2012 will be the year that it breaks through. The advent of this technology will mean more than just the convenience of a 'Jedi wave' of your phone to pay for coffee. From tracking your carbon footprint to smart posters, mobile payments are another piece of the infrastructure of the 'Internet of Things'.
  • NFC, or Near Field Communication, is a type of chip built into mobile phones to allow contactless payments. Although the NFC technology has been around for years, a major barrier to progress has been the lack of payment terminals.
  • The Transport for London Oystercard is a form of contactless payment, and you've probably seen contactless payment terminals in popular sandwich chains like Pret and EAT. The same terminals can be used for NFC mobile payments as these phones become available. The difference is that NFC will allow the phone to interact with the terminal using an app, making it much more flexible than the debit card or Oystercard systems.
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  • The real promise of NFC goes beyond convenient payment for coffee, because every swipe of your phone becomes an opportunity to exchange data and trigger an application. You can use NFC to record your payments, and to exchange other information. Discounts, entry tickets and special offers could all be offered using this technology. Y Combinator start-up Tagstand makes NFC-enabled stickers and 'smart posters' to use in ads, trade-stands and other locations. These stickers allow you to tap your mobile phone on anything and do anything from sharing contact information, to sharing music, starting a multiplayer game or providing a discount coupon. MIT Media Lab produced a short 'day in the life' video to illustrate more possibilities, including a carbon footprint app that would use data from your purchases and transport choices.
  • There are already a few phone handsets that support NFC, but many more will be launched in 2012. The Nexus S is the first mainstream handset that already has NFC built in, but Nokia, Blackberry and Samsung are launching NFC phones soon and the Apple rumour mill suggests that next year's iPhone will have mobile payments. (NFC world has an exhaustive list of handsets).
  • Ultimately, NFC is another example of a technology that will connect together the 'Internet of Things'. Along with RFID and GPS, it provides another way for us to use our phones as a window into a world of data from connected devices and printed objects, making a seamless link between our data and the increasingly data-driven world around us.
Marc-Alexandre Gagnon

AmEx Puts $125M In And Partners With Chinese Mobile Payments Company Lianlian To Licens... - 0 views

  • American Express is making a significant move in the expansion of its digital wallet, Serve to international markets today. The credit card company is announcing the first global partnership for Serve with Lianlian Group, of of China’s leading mobile payments providers. Additionally, AmEx has also made an equity investment of $125 million in LianLian Pay.
  • Group President for Enterprise Growth for American Express Dan Schulman tells us in an interview that American Express has come to realize that in a lot of fast growing economies internationally, people move money in different ways and in order to enter these markets, the company has to think beyond just plastic cards and checks, and consider moving straight to mobile platforms.
  • AmEx is generally predicting China to be a huge market for its mobile and digital payments products and is planning to open a new American Express’ Enterprise Growth Group office in Hangzhou, China. The China-based team will provide technical and consulting support to Lianlian Group on the Serve partnership, and the new outpost will be headed by Matthew Lee, President, Enterprise Growth, American Express, China.
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  • With the Lianlian Group, AmEx gets access to a company that has partnered with 3 of the largest carriers in China, and served one-third of all Chinese mobile users through payments network infrastructure, he explains. So a Chinese consumer who was paying cash to get minutes can now load the Serve-powered Lianlian digital wallet and have the choice of digital commerce, paying bills via their mobile wallet, send peer-to-peer payments, buying more minutes and ringtones and more, says Schulman.
  • Another area where we’ll see Serve expand is on data. As Harshul Sanghi, American Express’ VP of Enterprise Growth Group, told us recently, the personalized experience is going to be key in providing the digital wallet that consumers flock to. Intent data, structured data and unstructured data will all play a part of delivering a personalized payments experience for Serve.
  • Founded in 2004, Lianlian Group has served approximately 300 million mobile phone accounts. It operates a network of over 300,000 small business agents across China where customers can buy additional top up minutes on their mobile phones. A portion of that network also allows customers to purchase airline tickets, video gaming credits and utility bills.
  • Amex has entered into an operating agreement with Lianlian Group which will allow Lianlian to license and use Serve in products and services it develops for its consumer and business customers in China. The Serve platform will help power a new Lianlian Group digital wallet that consumers can use to top up mobile phone minutes, pay bills and purchase products or services online.
  • For background, Serve integrates a variety of payment options into a single account that can be funded from a bank account, debit, credit or charge card. AmEx has landed a number of lucrative carrier partner deals for Serve in the U.S. but this is the first step towards expanding Serve’s technology into one of the fastest growing consumer markets in the world.
  • With the mobile penetration in China, it’s no surprise that AmEx chose the market as its first global opportunity to expand Serve. AliPay is also playing in the space.
  • In terms of financial companies, American Express has been at the forefront of trying to expand their mobile and digital offerings beyond the credit card business. Besides carrier partnerships for Serve, AmEx has announced a number of recent partnerships in the payments space include Foursquare, Facebook and even Zynga for personalized deals. The company has also been acquiring payments technologies and will be doing more investing in the space with a new $100 million fund.
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