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Marc-Alexandre Gagnon

Fun Tip: Dictate Notes with Siri on iPhone 4S « Evernote Blogcast [08Nov11] - 0 views

  • Siri, the iPhone 4S digital assistant, does so many useful things; it helps you find the nearest pizza joint, reminds you to buy bread and even quotes 2001: A Space Odyssey. Did you know that you can also use Siri to dictate notes into your Evernote account? It’s true, and best of all, you probably already have it configured.
  • The set up is very straightforward. First, make Evernote a contact in your address book with your incoming Evernote email address. You can add the email by going into Evernote > Settings > Evernote email address.
  • Launch Siri and say “Send to Evernote.” Next, dictate your email and send it off. The message will show up in your default notebook. Even cooler, you can say “Send email to Evernote. Make apple pie for family reunion,” and Siri will send that note into your account.
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  • It’s the hands-free way to create notes. Perfect for when you’re driving, jogging or just not in the typing mood.
Marc-Alexandre Gagnon

Korean Online Gaming Giant Nexon To Raise $1.3 Billion With IPO In Japan | TechCrunch [... - 0 views

  • Korean online gaming powerhouse Nexon is seeking to list on the Tokyo Stock Exchange next month, Japanese business daily The Nikkei is reporting today. According to the paper, the company aims to raise a total of 100 billion yen (US$1.3 billion), which would be the biggest IPO in Japan this year.
  • Nomura Securities, Morgan Stanley and Goldman Sachs will manage the offering, with Nexon expecting to be approved for the listing later this week. The Nikkei says that the Korean company, which moved its HQ to Tokyo earlier this year, is hoping to reach a market cap of 600 to 700 billion yen (US$ 7.7 to 9 billion).
  • The two biggest (listed) domestic online/social gaming companies in Japan are GREE and DeNA, boasting market caps of US$8.3 billion and US$5.4 billion, respectively.
Marc-Alexandre Gagnon

HTML5 App Delivery Network Strobe joins Facebook - The Next Web [08Nov11] - 0 views

  • Strobe, an App Delivery Network that facilitates getting HTML5 apps up and running on various platforms and app stores, has joined Facebook, CEO Charles Jolley announced today.
  • Jolley is also the creator of the SproutCore JavaScript framework for web apps that is used to quickly build web apps in the browser. It’s used by companies like NPR, Second Story and Sports Illustrated, as well as being popular among Facebook app developers.
  • Before Jolley created SproutCore, he was responsible for Mobile Me app development at Apple.
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  • Strobe is described as “an App Delivery Network that solves the problem by enabling you to combine what the Web and native apps do best, using cutting-edge tools and technologies. It’s the quickest and easiest way to get your HTML5 applications up and running, on the web and in app stores.”
  • As SproutCore is remaining an independent product, at least for now, it seems like Facebook is after the technology or skills offered by the Strobe team. This appears to be an effort by Facebook to bolster its web and mobile experience and syncing services between them.
Marc-Alexandre Gagnon

BankSimple invites first customers and changes name to 'Simple' - The Next Web [08Nov11] - 0 views

  • BankSimple has announced a few things, including a name change. The company is now called “Simple” and has started rolling out its first invites to the service.
  • Using Simple, you can make purchases with a Simple Visa® card, pay bills, earn interest, set up and track savings goals, and much more. Simple replaces your bank, but we are not a bank. You use our mobile and web apps and speak with our customer relations team when you have questions. We partner with chartered banks that hold your deposits in FDIC-insured products. They take care of money, we take care of customers, and together we’re delivering a new type of financial experience that’s easier, faster, and friendlier.
  • With a focus on customer service, Simple aims to make the banking experience a better one for consumers, focusing on both web and mobile experiences. To date, online banking hasn’t been the best experience, with companies like Mint helping you manage your money more effectively.
Marc-Alexandre Gagnon

Boku rolls out NFC payments in France - Mobile Commerce Daily - Payments [26Aug11] - 0 views

  • Mobile payments company Boku is letting French consumers pay for virtual goods and services via their handsets.
  • The company is partnering with French carriers Bouygues Telecom and SFR. The deal will reach 32 million French consumers.
  • “France is a top priority for us in international markets, and we decided we wanted to tap into it in 2010,” said Ron Hirson, cofounder/president of Boku, San Francisco.
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  • “This deal will make it possible for consumers to buy things on their handsets without worrying about the restrictions of multiple carriers,” he said.
  • Boku is a global payment system focused on using the telephone number in more than 66 countries.
  • With Boku’s Internet + Mobile service, consumers will be able to buy virtual and digital goods from their handsets, including Facebook credits and games.
  • Merchants who  use the service can use Boku for purchases up to approximately $15.
  • Consumers can click the Boku button at the point-of-sale to make purchases. They are then taken to a landing page where they enter their phone number and view the amount.
  • To confirm payment, Boku sends consumers a text message. The purchase is then sent to their carrier bill.
  • “For customers Boku is great because it has a fast transaction time, and merchants get higher payout rates,” Mr. Hirson said. “People are more comfortable typing in their phone number than giving away their credit information,” he said. “Our model is based off of the mobile payment industry we saw in South Korea with virtual goods and a low average transaction flow.”
  • Boku is only one of a string of companies that see the telephone number as a key to unlocking mobile payments, especially in European markets.
  • Most recently, Payfone opened up its services to European mobile payment company Fortumo to draw in new merchants and consumers. (see story).
  • In the United States market, NFC payments are gaining traction with companies including Google, Mastercard and Citi claiming a spot next to Isis – a partnership between U.S. carriers and Discover Card and Barclaycard (see story).
  • “I think we’ll see more mobile payments being used with physical things like music, movies and other low-ticket items,” Mr. Hirson said. “I think we’ll also see a wave with NFC payments because there is a lot of interest and use around it,” he said.
Dan R.D.

Amazon takes small loss on Kindle Fire - study - MarketWatch - 0 views

  • Shares of Amazon were down about 1% $202.52 by mid-morning Friday. The stock is up about 13% for the year to date. The Kindle Fire is estimated to cost a total of $201.70 to build each unit, a number that includes a bill of materials — or BOM — of $185.60, with another $16.10 in manufacturing costs for each unit, iSuppli estimates. The tear-down estimate does not include cost figures for software, licensing or royalties that Amazon may pay on the device.
  • Amazon began shipping the Kindle Fire on Monday, after first unveiling the device in late September. The tablet costs $199 — about 60% less than the cheapest iPad from Apple Inc. /quotes/zigman/68270/quotes/nls/aapl AAPL -0.16% , which currently dominates the tablet market. Analysts expect the Kindle Fire to make the largest dent in the tablet market next to the iPad, after other devices using Google’s /quotes/zigman/93888/quotes/nls/goog GOOG -0.89%  Android operating system have largely failed to generate strong sales. The low price of the device, along with Amazon’s large library of books and other digital content, are expected to contribute to the appeal of the Kindle Fire. But Amazon does not break out data on its device sales.
Dan R.D.

How mobile devices will become smarter with contextual awareness - 0 views

  • At the Nordic Exceptional Trendshop (NEXT) conference in Aarhus, Denmark today, Clark Dodsworth gave a talk about how contextual awareness will transform our usage of devices such as mobile phones. Contextual awareness uses a variety of sensors in a device to give you information that’s relevant to what you’re doing. Imagine your phone being able to offer relevant alerts for traffic when it knows you’re driving, for example. As Dodsworth notes, Apple’s purchase of ‘virtual assistant’ service Siri last year is one example of how this is set to become a reality. He believes contextual awareness features will soon be built into mobile operating systems as standard.
Dan R.D.

Africa Mobile Market Now Second Only to Asia - 1 views

  • The first GSMA Mobile Observatory report to focus on Africa has come back with some fascinating conclusions. First among them, Africa has passed Latin America to become the world's second largest mobile market. The global mobile association examined the 25 African countries that account for 91% of mobile use (calling them the "A25"). Here are some of the most interesting of the report's conclusions.
  • The report "integrates data from a wide range of existing sources to provide a comprehensive picture of the African mobile industry. These include public sources such as the ITU, World Bank and research by National Regulatory Authorities as well as commercial providers such as Wireless Intelligence, Informa, Gartner, Buddecomm and ID." Africa now has 620 million mobile connections, passing Latin America Regional penetration has risen from 2% in 2000, to 57% this year Over the last decade, the number of mobile connections has grown an average of 30% per year, forecast to reach 735 million by the end of next year Mobile provides 3.5% of African GDP Highly competetive sector has resulted in price decreases of up to 60% in some areas, with an overall average of 18% decrease in the last year 96% of is pre-paid with voice services currently dominating, however data is increasing rapidly - Kenya data revenues, for instance, including SMS, have increased at a 67% annual growth over the last 4 years, representing 26% of total revenues in that country
Marc-Alexandre Gagnon

Debenhams explores mobile payments | News | New Media Age [25Nov11] - 0 views

  • Debenhams is in talks to introduce till payments through mobile phones as research finds that handsets are set to become ubiquitous as a way of paying for goods in five years’ time.
  • The high street retailer said it is exploring ways to let customers use their mobiles to pay for goods in-store.
  • Harriet Williams, Debenhams’ head of digital, said, ”It is something we are looking at and talking to partners about. When we’ve done research, we’ve seen that it’s something particularly younger customers are more interested in.”
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  • Williams said the department store chain would “love” to run a trial next year if all the participants needed to make mobile payments work – such as the banks and mobile operators – come together.
  • Research by PayPal said that 2016 will be the year when UK shoppers will use their mobiles to pay for their shopping, increasingly replacing cash and cards.
  • Robin Terrell, House of Fraser executive director of multi-channel and international, said payment through the mobile phone will “absolutely” be introduced in the future.
  • However, retailers have voiced their concerns over the difficulties in ensuring all the various players work together on NFC technology.
  • “As a customer, I am not going to have a different wallet for each financial institution, network and handset I have,” said Terrell. “Equally, the financial institutions will need to work together to raise the current £15 limit on NFC contactless payments. None of these issues are insurmountable, however, and the overall direction of travel is clear.”
  • Just this week Starbucks said that it is launching the high street’s first iPhone mobile app payment system after growing impatient with the rate of development of NFC technology
  • The coffee chain said it “did not want to wait” for the development of NFC and for it to become mainstream. Instead, it has developed its own mobile payment system using iPhone apps because so few handsets are currently NFC capable.
  • French Connection said mobile payment was not on its agenda just yet but it could see the method being taken up in the future.
  • Jennifer Roebuck, French Connection’s digital director, said, “There’s no reason why in five years you can’t swipe your mobile to pay for products. It’s too early days for us [but] it is logical, everyone uses a mobile for everything, such as shopping with Ocado. It’s becoming a little mini system to make payments.”
  • David Smith, IMRG chief marketing and communications officer, said, “The use of smartphones is going up and more technology that goes into them so the compatibility is not beyond it. But consumer trust and how quickly retailers have a system that’s foolproof are the biggest factors. It will inevitably come but how big it will be remains to be seen.”
Marc-Alexandre Gagnon

RIM and Telefonica team up on NFC mobile payments pilot - IT News from V3.co.uk [24Nov11] - 0 views

  • Research In Motion has staked its claim as a leader in the mobile payment and Near Field Communications space with the announcement of a new pilot project which will see Telefonica employees at the network operator's Madrid headquarters able to pay for goods in local retailers with their BlackBerrys.
  • The Telefonica Wallet for BlackBerry project will allow users of the NFC enabled BlackBerry Bold 9900, BlackBerry Curve 9360 and BlackBerry Curve 9380 handsets to pay by touching their device against a reader in participating stores.
  • The SIM-based NFC technology stores funds and transcation details electronically on the phone's chip while at the front end an application on the device allows user to choose which cards they want to use, as well as get account balances.
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  • The pilot is set to be rolled out to Telefonica employees worldwide and, if successful, could be a precursor to commercial services rolling out from next year, according to the network giant.
  • The news comes as Barclaycard and Visa Europe announced that the O2 arena in London will be rolling out more than 250 contactless card readers across the venue to allow users with contactless cards or NFC enabled phones to pay more quickly and easily.
  • Barclaycard and Orange in May announced their SIM-based Quick Tap payment service for NFC enabled mobile phones, starting with the Samsung Tocco Lite.
Marc-Alexandre Gagnon

Like Dwolla, SCVNGR is Building Local Mobile Payments Groundswell With LevelUp [24Nov11] - 0 views

  • Location-based social game mechanics are not inherently transactional. That is where the company's newest product, LevelUp comes into play. Take merchant offers, location, game mechanics and make then transactional and you have an idea what LevelUp is trying to do in the mobile payments space.
  • LevelUp is the path and it dives deep into the fundamental nature of payments, merchants and how people interact with money.
  • How Does LevelUp Work?
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  • Levelup is a mobile payments system at its core. It currently has 100,000 users across four cities (Boston, New York, Philadelphia and San Francisco) with 600 merchants signed up.
  • The basic payment structure is that LevelUp provides the merchants with an Android smartphone with a QR code reader and consumers with the LevelUp app that has a personalized QR code that effectively acts as the interface to their wallet
  • Users tie their debit/credit cards to the QR code in LevelUp's app. The security behind that is what could be considered a triple-blind token system. No actual payment information is being stored on the device (unlike the Google Wallet, for instance) and there are three steps from the phone to the bank to obfuscate where the payment is actually coming from.
  • Then there are the deals and game mechanics. When merchants sign up, they are prompted to give buyers a credit.
  • The more times that people pay with LevelUp, the more opportunities for credit to be accumulated (hence, the notion of leveling up to a new offer).
  • About 45% of users return to pay full price at the merchant and users on average use LevelUp about twice per week. The location system comes in by seeing on a map in the app what merchants close to you are using the service and what kind of deals they have.
  • "With LevelUp being transactional, we wanted to make it as fundamentally simple as humanely possible," Priebatsch said. "Frankly you should never have to do anything other than just pay with it and good things should happen to you and that should make you want to keep using it."
  • LevelUp has a certain type of groundswell that other local mobile payments options do not. In that way, LevelUp's closest kindred spirit is more likely to be Dwolla than it is something like Square or Google Wallet
  • There has been talk of SCVNGR being acquired but it is more likely that the company will eventually make partnerships with other ground-swell mobile payments companies like Dwolla.
  • What LevelUp and Dwolla have done is created a local ecosystem of merchants willing to use mobile payments in their communities. This is the bottom-up approach and, as of yet, is proving to be as effective than the top-down approach taken by companies like Google and PayPal.
  • What are the pain points for mobile payments? For the consumer, it is having the app and the ability to tie it to a payments process. LevelUp cuts down on the pain points by having the ability to tie the wallet to a debit/credit card through its triple-blind token system and using QR codes.
  • According to Priebatsch, QR codes are not necessary to the process. Any interface (like NFC) will do but the QR code is working for now and LevelUp can work with any device that can project a black and white image
  • This is where Priebatsch starts to get deep into the nature of payments and the notion that money is nothing but a form of information that transfers from one point to another. Priebatsch's grand plan, that translates well to a five to 10 years down the road for the company, is to bring the payments process down to "interchange zero" where the cost of moving that information from Point A to Point B is next to nothing.
  • Here is the philosophy, according to Priebatsch:
  • People will eventually make the flow of money more and more efficient, and the cost of transferring information, or money as information, will eventually converge to zero. This concept is something that we describe as "interchange zero". And as money flows frictionless-ly, all sorts of great things happen around that. You get to pay less at the store because the business does not have to pay interchange on top of their prices.
  • The really fascinating thing with that, is that a new monetization model needs to be found for the payments industry because somebody needs to make the $50 billion dollars a year to actually support the whole thing. And I believe, and I have a game mechanics background, that the way that that money is going to be replaced, as the idea of me paying you to just move money back and forth goes away, the way that people are going to make money on payments is taking the information inherent in payments and applying a series of game mechanics.
  • To create a series of actions which get consumers to spend more and come back more often. And this help the business make more money off of each transaction. So the payment, as a utility, will be frictionless, and the money will flow to the company, enterprise, person, organization who can add the most value to the transaction."
Marc-Alexandre Gagnon

UK Starbucks Customers Finally To Get iPhone App Payments [24Nov11] - 0 views

  • Starbucks customers in the UK will be soon be able to walk into their local store, fire up their iPhone and pay for their orders via their Starbucks card, the company has announced.
  • The one-touch app, which has been available in the US since the beginning of the year, is set to launch on January 5th, allowing Starbucks card owners to link their accounts to the iPhone application and pay using the on-screen barcode in any of the 700 Starbucks locations in the UK.
  • It’s perfect for people that regularly travel without cash and regularly utilise their Starbucks card in order to pay for their coffee on the commute to work or when out shopping. With one in five customers already using their cards to pay for their cup of Joe, Starbucks is likely to see a rapid uptake in application usage.
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  • With NFC terminals and providers will working hard to finalise their offerings for the next wave of NFC-enabled smartphones, Starbucks has stolen a march on other retailers with its mobile coupons. Despite a love for queuing, we predict this app will reduce coffee shop lines and hasten the injection of caffeine into commuters all over the UK.
D'coda Dcoda

Know the Flow - Socializing Content - 0 views

  • If you take the time to create good content, take the time to share it well. There is no magic formula, only thoughtfulness + tools. Know the Flow is my approach to social media data flow. Over the next week I’ll be sharing some of my theory and tips that I touched on in a recent #SoSocial presentation. Consider this the starter pack. Tools & Theory for social media content distribution
  • Distribution Tools
  • Social Blogs
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  • Facebook
  • Networked Blogs App – This is the best method for publishing an RSS feed to your Facebook profile or page. Easy setup and clean integration. Selective Twitter App – Allows you to update your facebook status by adding #fb to the end of a tweet.
  • Twitter Hootsuite – Full featured twitter client, that cross posts to Linkedin & Facebook, also allows scheduled updates and RSS integration Twitter Tools Wordpress Plugin – This is THE twitter wordpress plugin. Autotweet new blog posts, twitter status sidebar widget all in one. Reader2Twitter – Tweet any items you share from Google Reader [ Example] Favorite Tweets – Tweet any tweets you mark as favorite [ Example]
  • Even More… Recommended Reading Wordpress Plugin – Create blog posts from Google Reader shared items. Good customization and easy setup. [Example] Linkedin Twitter Integration – Update your Linkedin status by adding #in to the end of a tweet Su.pr – URL shortener that allows you to update Facebook & Twitter simultaneously and scheduled updates
  • Power Apps Yahoo Pipes – Advanced data manipulation and output. Not a beginner tool but very powerful. [Example] Friendfeed – Easy method to autotweet any inbound content stream
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    listing avenues of social flow
Dan R.D.

Cosy social networks 'are stifling innovation' - 0 views

  • Previous research has shown that certain patterns of social interaction make radical innovation more likely. Bold ideas are typically incompletely formed when first conceived and easily shot down by criticism. Hence, they emerge more readily in communities in which individuals work mostly in small and relatively isolated groups, giving their ideas time and space to mature.today’s software developers work in social networks in which everyone is closely linked to everyone else. “The over-abundance of connections through which information travels reduces diversity and keeps radical ideas from taking holdTo restore the kind of aggressive innovation needed to build the next-generation internet will require re-engineering of the social networks of software developers themselvesThis could be doneif funding agencies ensured that research projects were carried out by many small, competing groups over longer periods.To enable innovation it may be necessary to reduce the number of social ties Read more at www.newscientist.com
Dan R.D.

Crowdsourcing Delivers Personalised Innovation - 0 views

  • y’d from www.business-strategy-innovation.com
  • The new dimension of innovation is about having customer as an integral part of the system. Firms can no longer afford to stay separate from customers and still come up with great innovations. The success of social media websites (like Facebook) is frequently attributed to engaging customers in the creation of new innovations - also referred to as crowdsourcing.The topic of innovation is multi-dimensional, which no firm in the globe can afford to ignore today. Being innovative is necessary to stay competitive in the business. The new age of innovation has a lot to do with making the customer an integral part of the innovation system by engaging and involving them with the product or service that the firm is working on.So, next time you are set out to innovate something, ask yourself: ‘Am I involving my customers in the process?’Read more at www.business-strategy-innovation.com
Dan R.D.

Internet warfare team unveiled - 0 views

  • Twitterers paid to spread Israeli propagandaIsrael’s foreign ministry is reported to be establishing a special undercover team of paid workers whose job it will be to surf the internet 24 hours a day spreading positive news about Israel. Internet-savvy Israeli youngsters, mainly recent graduates and demobilised soldiers with language skills, are being recruited to pose as ordinary surfers while they provide the government’s line on the Middle East conflict. The existence of an “internet warfare team” came to light when it was included in this year’s foreign ministry budget. About $150,000 has been set aside for the first stage of development, with increased funding expected next year. About 50,000 activists are reported to have downloaded a programme called Megaphone that sends an alert to their computers when an article critical of Israel is published. They are then supposed to bombard the site with comments supporting Israel.Read more at www.globalresearch.ca This kind of knowledge warfare was pioneered by the Russians and must now be used extensively by all governments. As Clipper abailart says: “One wonders whether it is worth it since the sort of chattering ‘politico’ twits who bounce soundbites off each other seven days a week are fortunately hermetically sealed in their own collective fantasies.” However, the manipulation of statistics as Trending Topics which muddies the water. Unfortunately, open also means open to abuse. I wonder if it means that those of us who want open discussion (and meaningful inferences from the flow) will need to do it in closed groups?
Dan R.D.

China response 'took Google by surprise' - 0 views

  • The situation leaves Google’s other businesses in mainland China under threat, despite claims that it would stick by its research facilities, phone manufacturing and sales operations in the country.
  • A number of businesses are said to be considering their links with the company, including those run by Hong Kong billionaire Li Ka-Shing, who owns Britain’s mobile phone network 3 and runs Tom Online, one of China’s most popular web portals.
  • Faced with events yesterday, Tom has dropped Google as a partner and instead switched to Chinese rival Baidu - which self-censors - in order to provide its users with search results.
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  • Other companies could follow suit, and it has been previously reported that popular sites including Sina.com and Ganji.com have been pressured to end their relationship with the internet’s most powerful company.
  • Experts suggest the move could cost the Californian company as much as $4bn over the next five years, and the affair will leave the Californian technology giant
D'coda Dcoda

New API Takes Facial Recognition From Facebook and Puts It Everywhere - 0 views

  • Face.com has launched the alpha of their new API. Now, almost any site could find faces on photos.Face.com, the company responsible for Facebook applications Photo Tagger and Photo Finder, lets you take any photo and quickly identify who is in it and where they are in the photo. This facial recognition is a boon to those tagging photos, and now Face.com is ready to bring a similar capability to the rest of the internet. May 3rd saw the launch of their new open API capable of scanning images and rapidly identifying the location, orientation, and identity of human faces. The API platform is meant for web designers who want to include a facial recognition feature on their own website. With this API, any company could let you upload a photo of yourself and find other photos of you in their database. Now in alpha testing, registering to try the API is free and very quick. Face.com, operated by Israel-based Vizi Labs, is looking to share the API with the developer community to see if the next killer application for facial recognition will arise organically. Eventually, platforms like this one may help your face become an access point to all the digital data about you on the web.
  • Read more at singularityhub.com
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