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Marc-Alexandre Gagnon

Mobile banking trends to watch out for in 2012 - Mobile Commerce Daily - Banking - 0 views

  • Mobile banking will continue to grow next year across a multiple fronts. Not only will more banks jump into mobile with optimized sites and application, but financial institutions will also build their existing mobile programs with a variety of new services.
  • Much of the interest in mobile banking is being driven by consumers, who tend to interact more with a mobile banking solution than they do Internet banking. On average, customers use a mobile banking app three times per week and only use traditional Internet banking two times per week, according Malauzai Software.
  • “We see a demand for mobile via the application and text messaging,” said Jim Simpson, vice president of information technology at City Bank Texas, Lubbock, TX, which has over 30 locations across Texas.
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  • “We are looking to provide innovative services to our customers,” he said. “We have to be competitive and to be competitive you have to offer these services.
  • Banks that feature a rewards program will increasingly look to mobile to drive interactivity for the program and drive customers back into mobile banking apps.
  • For example, City Bank Texas will introduce a new service early next year that enables customers to quickly and easily temporarily turn off their debit card via the mobile app if they have lost it and then turn it back on just as easily. Currently, customers have to find and call the bank’s 800 number to accomplish this.
  • Mobile check capture Many of the big banks currently give customers the ability to deposit checks into their bank accounts using their mobile phones. However, next year more banks are likely to jump onboard and offer this service to meet consumer demand. Malauzai Software’s research shows that a lot of bank customers are investigating remote capture on their mobile phones even if they have not made a deposit yet. For those customers who are using the service, they typically deposit one to two items per month. “We see mobile check capture becoming really big in 2012 – we expect over half of our clients to adopt it next year,” said Robb Gaynor, chief product officer and co-founder of Malauzai Software Inc., Austin, TX.
  • “If we can move certain things to mobile so customers can do them on their own time via mobile, it’s a big advantage. It is a stickiness that gets them to stay with us.”
  • For example, City Bank Texas offers a rewards account that enables customers to earn higher interest rates and ATM fee refunds based on how much they use the bank’s various services. However, because there was no way for customers to keep track of how many transactions they made or how close they are to earning a reward, customers were frequently calling the call center for this information.
  • To address this, City Bank Texas put a real-time reward monitoring service in its mobile app. Now customers can use the app to find out how many more transactions they need to reach the next level of rewards.
  • Person-to-person payments Person-to-person payments have been around for several years but use has been limited because the transactions did not take place in real time. However, with Visa recently changing certain rules to enable two consumers to exchange debit card information in a secure way, person-to-person payments will now be able to show up in someone’s checking account within seconds. Visa is expected to roll out a solution for person-to-person payments in the first quarter of 2012. “With real time settlements, you will see a lot more customers use person-to-person payments,” Mr. Gaynor said. “We see this as the beginning of real mobile banking.”
  • Some banks may try to ease customers into mobile payments to get them comfortable with the idea. For example, City Bank Texas will give mobile customers next year a way to manage their prepaid, loyalty and gifts card via the mobile app.
  • “This is the first step to moving customers to mobile payments concepts,” City Bank Texas’ Mr. Simpson said. “New companies are sprouting up weekly to do mobile payments but the problem is that the debit card is not broken yet – it is still relatively easy to swipe that card.
  • Mobile marketing Mobile offers and deals from retailers and third-party services such as Groupon and others were a big phenomenon in 2011. Next year, banks will be looking to cash in on the opportunity here by providing local offers via their mobile banking apps. Bank customers will be able to opt-in to the service so they can receive offers via the mobile banking app when they walk past a local business making an offer and redeem the offer via the app as well. In the past, banks have been reluctant to allow other business to market to their customers but because of the personal nature of a mobile phone and the ability to serve offers based on a customer’s location, this is starting to change. “We see this as a huge opportunity for banks to start making money through the mobile channel as offers are redeemed,” Malauzai’s Mr. Gaynor said “We feel it can be pulled off in an unobtrusive, value-added way.”
  • Customized apps Currently, a lot of banks have one mobile app for all of their customers. However, next year there will be a growing number of customized banking apps that are tailored to the needs of a specific customer group. For example, regional banks could customize apps based on which local market a customer belongs to. Or, an app could be customized to the needs of college students, who often have a different set of services available to them. “The first generation of mobile apps lost some of the customization found in Internet banking but now we are seeing more customized mobile experiences,” Mr. Gaynor said. “This is an example of how mobile banking is getting smarter and banks are trying to deliver a better mobile experience,” he said.
Marc-Alexandre Gagnon

Visa Acquires Mobile Financial Services Company Fundamo For $110M In Cash | TechCrunch - 0 views

  • Visa this morning announced that it has agreed to acquire Fundamo, a specialist mobile financial services provider to network operators and financial institutions in developing economies, for $110 million in cash.
  • In a separate announcement, the giant payments technology company said it has entered into a new, long-term commercial agreement with Monitise, a provider of mobile money solutions for financial institutions in more developed regions.
  • Here’s how the duo of agreements was pitched: The combination of acquiring Fundamo and expanding the relationship with Monitise will enable Visa to deliver best-in-class mobile financial services and payments capabilities to consumers across the full spectrum of uses, geographies and mobile environments from basic services on simple handsets to more advanced services for smart phone owners.
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  • Privately-held, Cape Town, South Africa-based Fundamo says it boasts more than 50 active mobile financial services deployments across more than 40 countries, including 27 countries in Africa, Asia and the Middle East.
  • Fundamo’s platform enables the delivery of mobile financial services to unbanked and under-banked consumers around the world, including person-to-person payments, airtime top-up, bill payment and branchless banking services.
  • The combined Visa Fundamo platform will add enhanced functionality and new services to existing mobile financial services subscribers for globally accepted payments solutions.
  • Fundamo’s deployments currently have a base of more than five million registered subscribers and the potential to reach more than 180 million consumers with mobile financial services.
  • Fundamo CEO Hannes van Rensburg and the executive team will continue to manage current and future Fundamo implementations as members of Visa’s mobile product organization.
  • Monitise and Visa, meanwhile, say they will debut a mobile banking solution in the U.S. for clients of Visa DPS, the company’s debit and prepaid processing platform.
Marc-Alexandre Gagnon

Orange and Barclaycard launch smartphone payment service - IT News from V3.co.uk [20May11] - 0 views

  • Orange and Barclaycard have launched the UK's first contactless payment service allowing customers to pay for purchases using a smartphone.
  • Orange Quick Tap allows payments of up to £15 in over 50,000 outlets around the country, including Pret A Manger, McDonald's and Subway.
  • Customers have to purchase a Samsung Tocco Lite smartphone to use the service, which is available for £55 on pay-as-you-go or free on a £10 per month, two-year contract.
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  • Customers also need an Orange credit card, Barclaycard or Barclays debit card to transfer money onto the Quick Tap app.
  • Barclaycard is touting the system as highly secure, highlighting the fact that users can opt to input a PIN every time they make a payment.
  • Using mobile phones to make payments is a natural extension of the smartphone, according to Pippa Dunn, vice president at Orange.
  • "We no longer use our mobile phones simply for talking and texting. Apps, cameras and music players allow us to use them for a lot more," she said.
  • "Orange Quick Tap is the first of its kind, a service that allows you to pay for everyday items just by tapping your phone wherever you see the contactless payment symbol. It's going to start a revolution in the way we pay for things on the high street."
  • Carolina Milanesi, research vice president at Gartner, told V3.co.uk that this will be the first of many services as near-field communication (NFC) technology becomes a common feature on Android, BlackBerry and possibly Apple devices.
  • "[However], a little more work needs to be done on the service side as there are different kinds NFC approaches being used by the providers," she said.
  • There are currently 12.9 million contactless cardholders in the UK, and Barclaycard expects the new service to drive adoption.
  • O2 is gearing up to introduce NFC services during 2011, including a wallet application and direct-to-bill and peer-to-peer payment facilities.
  • Analyst firm Juniper Research predicted that NFC will be built into one in five smartphones by 2014 as mobile payment and interactive promotions take off.
  • Over 23 million NFC-capable smartphones are expected to be in circulation by the end of 2011, according to Juniper.
Marc-Alexandre Gagnon

How Visa Plans To Dominate Mobile Payments, Create The Digital Wallet And More | TechCr... - 0 views

  • It’s no secret that credit card companies are shelling out big bucks and aggressively forming partnerships and deals to start cashing in on the mobile and digital payments innovations currently taking place. American Express, which recently debuted its own digital payments product Serve, has been particularly aggressive on the partnerships front, striking recent deals with both Foursquare and Facebook. Mastercard has bet on NFC with a partnership with Google for Google Wallet and bought online payments gateway DataCash for $520 million last fall. And Visa has made a number of major moves in the mobile and digital payments space of late; including making an investment (and taking on an advisory role) in disruptive startup Square, buying virtual goods payments platform PlaySpan for $190 million, and acquiring mobile payments company Fundamo for $110 million. We sat down with Visa’s Global Head of Mobile Product Bill Gajda and the company’s Head of Global Product Strategy, Innovation and eCommerce Jennifer Schulz to discuss how the financial company is planning to compete in both mobile and digital payments.
  • In May, Visa announced its plans for the digital wallet. We’ll explain this initiative later in the post, but part of this platform would allow you to access your loyalty points, credit cards and more from your mobile phone at the point of sale. And the third pillar of Visa’s mobile strategy is incorporating value-added services like real-time alerts, contextual services, and offers at point of shopping based on where you are.
  • Gajda explains that Visa is licensing mobile payments applications PayWave for integration with the ISIS wallet and the company is actively looking for other ways to integrate with NFC into the company’s mobile payments structure.
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  • Of course, some aren’t so bullish on NFC, notably eBay (who owns PayPal) CEO John Donohoe, who in a recent earnings call said merchants refer NFC “not for commerce.” And odd statement considering PayPal just dipped its toes in the NFC pool with support for Android.
  • Gajda tells is, “I think for some people NFC will replace the actual physical credit card but it will be a long time before NFC replaces all payments.” He believes that we are going to start seeing more traction by end of this year but says the capability of “taking credit cards and putting them on mobile phones will represent the long tail” in payments. But he adds, “the pieces are in place for NFC to take off.”
  • The second part of the Visa’s mobile strategy involves the digital wallet and the mobile web. Gajda says that as e-commerce ramps up on mobile phones, there is a need for one-click, simple username and password checkout experience in a transaction being made on a mobile device. That’s an area where PayPal has been working hard to dominate in but Visa sees room for other players. Should we expect a PayPal-like, one-click mobile payments technology coming from Visa soon? Perhaps, the company hasn’t been afraid to enter PayPal’s territory in the past, launching a peer to peer payments service earlier this year.
  • Gajda tells us that the biggest challenge of mobile payments in the current market the massive amount of fragmentation in the mobile industry. He explains that with all of the various mobile operating systems, specific manufactured phones, applications and more, keeping up with pace of innovation on the development side is a major challenge for Visa.
  • Visa actually tested a partnership with retailer The Gap earlier this year which alerted customers via SMS of discounts in stores near them. Gajda tells us Visa is working with a number of other retailers and banks on similar deals which will be announced soon.
  • Gajda says there are a number of other factors at play in the mobile payments place that need to be highlighted when talking about mobile payments. International is a huge growth area in mobile payments. He tells is that outside the U.S., there are a large number of people who have mobile phones but don’t have banking relationship or credit card. In fact, he says there are 2 billion people in world that have phone, but don’t have a bank account or credit card.
  • In these markets, Visa’s goal is to bring prepaid accounts, purchasing power and other financial services to basic phones. These could include topping up a mobile phone with airtime, buying transit tickets, peer to peer payments. And this goal was the mean reason behind the purchase of behind the $110 million purchase of Fundamo. The company’s platform delivers mobile financial services to unbanked and under-banked consumers around the world, including person-to-person payments, airtime top-up, bill payment and branchless banking services.
  • Connecting with the small business world that don’t yet use credit cards or are new to the system is another area where Visa feels there is strong potential, especially with mobile payments. That’s why the company invested in disruptive mobile payments company Square and took an advisory role in the company. Gajda says that the power of Square is that it is enabling small businesses and independent workers such as doctors, designer and other merchants to start using credit cards and grow their businesses. It would make sense for Square and Visa would somehow work to harness the power of their partnership (As of April roughly two-thirds of transactions using Square’s payments service were through Visa credit cards.), but it’s unclear what the two companies will reveal any new co-produced products soon.
  • MOBILE Gajda explains that there are three prongs to Visa’s mobile payments strategy. One of these is NFC, and focuses on payments using a mobile phone at a physical store. For background, NFC (near field communications) enables people to make transactions, exchange digital content and connect electronic devices with a simple touch. As we’ve seen with Google Wallet, Android phones such as the Nexus S are being built with NFC chips, making your cell phone a mobile wallet. Visa recently joined the ISIS network, a NFC mobile payment network that is a joint venture formed by AT&T, T-Mobile and Verizon. ISIS will soon launch in a number of markets, including Utah and Texas.
  • But he says that there is still so much room for innovation around how we pay with mobile phones. “With the rise of smartphone usage, we are already seeing a lot of innovation around commerce,” he explains. “It’s inevitable that this will extend to the payments around the sales in mobile commerce.”
  • DIGITAL Visa’s digital payments guru Schulz outlined her strategy for digital payments at the company, which centralizes around the creation of the digital wallet. Schulz says that because of the fact that e-commerce is being more easy and convenient with customers, especially with m-commerce, the underlying payments infrastructure has to evolve.
  • And Visa’s answer to this is a new digital wallet initiative. Here’s how it works. Users will have an account, and they can add their credit card numbers (and cards from other credit card companies such as American Express and Mastercard). Visa is partnering with a number of financial institutions to offer this product to their customers.
  • Users can also load their loyalty points and rewards cards, as well as organize their shopping lists. Schulz describes it as a “wallet in the cloud.” But she says the key to the success of the wallet is a seamless, one-click payments experience for the consumers. So Visa has partnered with a number of large-scale retailers (which will be announced soon) to integrate what Schulz refers to as a ‘new acceptance mark’ on a merchant payments page.
  • So there will be a button you can click on, which will prompt you to sign-on and then will sync your digital wallet with the purchase in your shopping cart. So for example, imagine you had a camera in your cart, and Visa offered a 20 percent off at camera’s purchased at BestBuy, the wallet would sync and show the discount in your cart. The same works for loyalty points and more.
  • Visa competitor American Express is also working hard to innovate both at the large retailer level, as well as among smaller retailers, with GoSocial.
  • She compares the digital wallet offering to “two-hand clapping.” ” You can have a digital wallet,” Schulz explains, “but you need a merchant solution of click to buy, and Visa’s going to transform that experience.” And Schulz highlights another recent acquisition, Playspan, has helping drive a simplified commerce experience, a.k.a. click to buy, within game or within app.
  • Of course adding another checkout experience to online retailers’ sites can be a complicated and time-consuming process. But that’s where Visa’s $2 billion acquisition of CyberSource comes in. CyberSource is said to process about 25 percent of all e-commerce dollars transacted in the United States, and operates e-commerce for hundreds of thousands of retailers. Schulz says this relationship has helped speed up the pace of implementation.
  • Creating the digital wallet, both on the mobile and web platforms, is no easy task. Visa has a name for itself in the credit card industry but the fact is that the brand still has to attach innovation to itself in order for people to take these products seriously. Perhaps that’s one of the reasons why Google’s Mobile Wallet news created waves, even though NFC technology is in its early stages.
  • Schulz explains that the idea behind the wallet is that consumers want control over their wallet and want to have payment information and access available to them at all times. She believes that the digital wallet will click to buy incorporated on retailers’ sites is essential to the future of e-commerce in both the U.S. and emerging markets.
  • While Visa, American Express and others are looking to capitalize on the changes taking place in the payments industry, it is a challenging effort. Local commerce is a big part of this, and everyone is trying to find a way to close the redemption loop. But e-commerce, amongst larger retailers, is also a multi-billion dollar market that Visa hopes to continue to play in with products like a digital wallet. And in-store payments, whether that be through NFC, Square or others, represent another market.
  • I’ve been talking to a number of executives of payments companies and founders of innovative payments startups, and while their objectives are different, they all seem to agree on one thing. It’s early and there is still much more innovation were going to see in the next few years in the online and mobile payments space.
D'coda Dcoda

Over 16 million US mobile subscribers used location-based check-in services in March [1... - 0 views

  • 12.7 million check-in done on smartphones in March 2011, says comScore report Nearly 17 million US mobile subscribers used location-based 'check-in' services on their phones in March 2011, found a new study by comScore.The study showed that users have done 12.7 million check-in on smartphones, representing 17.6% of the smartphone population.The check-in service users, representing 7.1% of the entire mobile population, showed a high propensity for mobile media usage, including accessing retail sites and shopping guides. They also displayed other characteristics of early adopters, including a stronger likelihood of owning a tablet device and accessing tech news, when compared to the average smartphone user.
  • The research firm said that of the 16.7 million people using check-in services on their mobile devices, 12.7 million (76.3%) did so via a smartphone device.Android accounted for the largest share of check-in service users with 36.6% checking-in from an Android device, while 33.7% of users checked in from an iPhone. Apple had the highest representation relative to its percentage of the total smartphone market.RIM accounted for 22% of check-in service users, while Microsoft, Palm and Symbian each accounted for less than 5%.The study showed that more than 95% of check-in service users used their mobile browser or applications. Nearly 62% accessed news. Check-in user behavior was also consistent with that of traditional early adopters, with 40.3% of users accessing tech news and 28.2% owning a media tablet, both significantly higher than average.
  • Further, check-in service users also showed a high propensity for accessing retail-related destinations on their mobile devices. Nearly one-third of users accessed online retail sites on their mobiles, while one-fourth accessed shopping guides.Check-in service users were also more likely to be exposed to mobile advertising, with nearly 40% recalling seeing a Web or app ad during the month, compared to just 27.5% of smartphone users.
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.
D'coda Dcoda

Cloud Gaming [5May10] - 0 views

  • Cloud Computing is both an abstract concept which can reffer to every logical grouping of software services provided by one or more companies which may or may not be on the same hardware architectures. ted ar It also stands for the physical architectures involving SOA (services-oriented architecture) systems, server farms and a lot of hardware to provide on demand services 24/24 no matter what may happen. Not matter how one sees it, it’s all about regrouping services and taking responsabilities off from our good old PC or laptop standing on our desk. Not matter how one sees it, it’s all about regrouping services and taking responsabilities off from our good old PC or laptop standing on our desk.  Of course it’s a 2010 buzzword and I am personally seeing some kind of Terminal Server (Mainframes anyone?…) à la sauce New Millenium coupled with web technologies. The thing is… Cloud Computing along with Software Virtualization are really promising.  I put the second one with it because everything is about having almost nothing on the client side. ore.  You just log into the cloud and there you have your account and your services, may they be ga The idea of having every service in the Cloud is to ensure that eveything you need is always available from wherever you are on the planet.  You don’t need your PC or Laptop anymore.  You just log into the cloud and there you have your account and your services, may they be games, movies or any software.  And with the huge Mobile market, you’re about to have any of your services right there in your pocket. Read more at www.gamasutra.com 
Marc-Alexandre Gagnon

O2 delays launch of Wallet | News | Marketing Week - 0 views

  • The launch of O2’s mobile contactless payment “Wallet” app has been delayed after concerns that it is not yet offering an adequate customer experience.
  • The operator, which initially said it was planning to launch O2 Wallet in the “second half” of 2011, is choosing to take extra time trialling the service internally before opening up consumer trials and a subsequent public launch
  • O2 Wallet is currently being trialled by more than 300 O2 employees and this is thought to increase to about 500 staff in the coming weeks as the app becomes compatible with more devices and other O2 services such as its loyalty programme Priority Moments.
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  • An O2 spokesman says: “We’ve decided to take extra time trialling the service internally before opening it up to customers. This will ensure that when we launch, the service will be as appealing as Priority Moments has been.”
  • Priority Moments customers have redeemed more than £5m in savings since its launch in July, according to O2. Its success has led to the company creating its first dedicated team for Priority Moments as O2 looks to further expand the proposition this year
  • The O2 Wallet aims to bring the contents of the physical wallet, including payment, travel and loyalty cards to the mobile phone, as well as extra services such as the ability to compare the price of items, special offers from “120 retailers” and ticketing
  • O2 now has more than 250 staff in its Money division, which operates O2 Wallet as well as insurance services. This is an increase from 30 people a year ago when the department primarily looked after its Cash Manager and Load & Go cards, which closed in November in preparation for the launch of O2 Wallet
  • Rival operator Everything Everywhere launched its “Quick Tap” contactless payment service in partnership with Mastercard in May, while brands such as Google and Vodafone are also expected to launch similar wallet services in the UK in the coming months.
D'coda Dcoda

INFOGRAPHIC: Why Do We 'Check-In' On Location-Based Services? [16May11] - 0 views

  • The infographic which outlines who does and doesn’t use location-based services and why, states a number of concerns regarding the use of these services. First, 50 percent of users don’t have smartphones (I was once among this group and have since been unable to imagine life without it). 48 percent of non-users cited privacy concerns, which is very understandable because it was at the root of my apprehension until I realized I control my own privacy when using these services, and 49 percent had no motivation.
  • Motivation to use location-based services like Facebook Places, which is utilized by 90 percent of people who “check-in” anywhere online, shouldn’t be waning. Companies should be offering more promotions to bring in local costumers because it’s basically free advertising! 54 percent of current users use the services for discounts and coupons and 44 percent of non-users would consider using a location-based service for discounts and coupons. Why aren’t they converted? There’s just not enough good deals, in my opinion.
  • What’s also interesting is users are more likely to check-in with large brands (perhaps this is because those are the ones that often offer promotions) but less likely to share those check-ins with friends. When it comes to the social aspect of sharing your location, who cares if you went to Panera for lunch? Friends want to know about the cool mom-and-pop places they’ve never heard of.
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    Go to the site for the infographic, provides invaluable insight to brands who are wondering how to utilize LBS to bring in revenue.
D'coda Dcoda

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

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

Mobile Person-to-Person payment and Alerts launched [28Sep11] - 0 views

  • New mobile payment services help banks realise the future of payments
  • Visa Europe, Europe’s leading payments technology company, today announced the launch of Visa Mobile Person-to-Person payments and Visa Alerts: two new services designed to help consumers manage their money and make payments using their mobile phones.
  • the new services give Visa Europe’s member banks the tools to respond to growing consumer demand for fast, secure, convenient and innovative ways to make and manage payments using their mobile phones.
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  • Peter Ayliffe said: “The way we pay is changing, driven by the rapid uptake of new technologies and growing consumer demand for more flexible payments
  • We are already seeing early adoption of mobile payments, and in the coming months we will see the arrival of mainstream NFC technologies, advanced loyalty and e-commerce services, and ultimately, the launch of a new digital wallet.”
  • Support for other mobile Operating Systems, multiple currencies and payments to and within non-European countries will be added over following months.
  • Visa Alerts notify registered Visa cardholders on a real-time basis whenever their card has been used to make a purchase or to withdraw cash through Visa Europe’s payment network.
  • developed by Visa Europe in partnership with Monitise, the first of many services that will be made available through the partnership announced in early 2011.
  • Visa Mobile Person-to-Person payments allow registered users to transfer funds to any Visa cardholder in Europe from their mobile phone, backed by all the security and expertise of Visa Europe’s industry-leading processing systems. The app makes it easy to send money to an address book contact, to a mobile phone number, or to a specific Visa card number – whether or not the recipient is registered with the service.
  • Monitise plc (LSE: MONI.L) is a technology company delivering mobile banking, payments and commerce networks worldwide with the proven technology and expertise to enable financial institutions and other service providers to offer a wide range of services to their customers in developed and emerging markets.
Dan R.D.

Why an Amazon tablet can rival the iPad - TNW Mobile - 0 views

  • Without so much as a whisper from the retailer itself, Amazon’s Android tablet is heading our way. Rumoured to launch at the end of the third quarter in time for the holiday season, Amazon is hoping it can steal a little of Apple’s thunder and steal a little of its market share.
  • Amazon’s decision to launch an Appstore was a surprising one, especially because there was no shortage of alternative Android marketplaces at the time. Incorporating its patented recommendation system and its “Free App A Day”, the third-party application store won many fans in the US primarly because it has been providing customers with downloads of some of the most popular Android apps and games.
  • Amazon is one of, if not the world’s number one Cloud storage and service provider and is seen by many to have led the march towards the Cloud, with affordable and reliable online services that even the most bootstrapped startups could afford. Asserting itself in the hosting market has helped the company make the best of its other web-based services, namely online music downloads and its new Android Appstore.
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  • Amazon’s DRM-free downloads are not only be cheaper but they will work on a range of different devices – including an iPod – so if a tablet buyer has music on the mind, an Amazon tablet would be a good place to start, after-all it’s a brand trusted by millions all over the world.
  • Amazon, despite not having a device to backup to its Cloud, pipped Apple to the punch with the launch of the Amazon Cloud Player. The service isn’t necessarily revolutionary (it requires a user to upload their entire music collection to an online digital locker or synchronise new Amazon MP3 purchases), but it provides a dedicated storage platform for a user’s music, regardless of where they bought it. In fact, users can upload any file they wish to the service.
  • Apple’s closest competitor in the mobile industry is Google, a company that develops and maintains the fastest growing mobile operating system on the planet. But even Google was forced to admit that its Honeycomb operating system was not up to standard, having previously condemned vendors for creating tablet devices that ran Android builds that were specifically tailored for smartphones.
  • Because Google has restricted the use of alternative apps on its operating system, Amazon requires the user to download the app to their smartphone or their tablet before they can browse or download apps. This poses a risk for the company in the general market but if it intends on releasing its own tablet, it can bundle the necessary software (including its MP3 store and Cloud Player service) before the device is even powered-on by its owner.
  • In July the previous year, Amazon announced that Kindle books had passed hardcovers and predicted that Kindle would surpass paperbacks in the second quarter of this year. According to Jeff Bezos, for every 100 hardcover books Amazon was selling, it was selling 143 Kindle eBooks. In just the U.S. Kindle Store alone, there were more than 810,000 books.
  • Kindle fans worried that Amazon would kill its e-ink reader, don’t worry. Amazon CEO Jeff Bezos has already said “we will always be very mindful that we will want a dedicated reading device.” Throughout the article I have referred to the Amazon tablet as a singular. However, there it is highly likely that Amazon will release a family of tablets; one a 10-inch model and a smaller, more portable 7-inch tablet. Chinese sources have indicated that both devices will sport LCD touchscreens, but in the very near future will move to technologies that will be able to switch between e-ink and a colour LCD screen.
  • Analysts have already issued reports suggesting Amazon will sell 2.4 million tablets in 2012. Whilst that figure doesn’t even compete with the 10-12 million iPads that Apple is expected to sell in its third quarter alone, Amazon has time on its side. By subsidising its devices, it can heavily reduce its offerings to get customers investing into its technologies, hitting them with the upsell once they are onboard. Amazon can push its value-added services to boost revenues, whilst slowly building sales of physical devices.
Marc-Alexandre Gagnon

Isis selects Gemalto to manage mobile payments for NFC wallet - Tech News and Analysis - 0 views

  • Isis, the near field communication mobile wallet venture from Verizon, AT&T and T-Mobile, took another step forward with the announcement that it has selected SIM card maker and digital security specialist Gemalto as its trusted service manager (TSM) for the wallet. The deal means Gemalto will manage the secure element on Isis phones, overseeing the transfer of payment credentials from banks and payment services to the Isis wallet application on phones.
  • Gemalto will essentially hold the payment keys for Isis, controlling which service providers are able to tap Isis for contactless payments. It won’t participate in the actual transactions but will enable a host of applications, from payments to coupons and loyalty cards.
  • The deal is an important step for Isis, which is moving ahead toward a launch in the first half of 2012 in Salt Lake City and Austin before a larger nationwide roll out. The joint venture will compete with Google Wallet, which launched in September with partners Sprint, MasterCard and Citibank and First Data as its trusted service manager.
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  • Gemalto is becoming a major player in the emerging market for TSMs. It has signed a deal to become the TSM for Deutsche Telekom and also Singapore’s nation-wide NFC system. It has also secured TSM deals with Barclaycard and Orange. Sebastian Cano, SVP Telecommucation for Gemalto, said the company has 45 NFC projects underway but the Isis deal would be the largest.
  • “The secure element will not be an open asset to allow people to write content to it or it will lose the first portion of it birth name,” said Hughes. “Any suggestion that a secure element is an SDK that sits on top of an open OS is a fanciful argument.”
  • I asked Ryan Hughes, the CMO of Isis, about the situation and he declined to comment on the Verizon situation. But he said that the secure element must be managed by a TSM and the owner of the device, which will be the carriers in the case of Isis. Creating a completely open situation where any company or developer can access the secure element would not be safe or practical, he said.
  • The deal is interesting because it follows word last week that Google Wallet has not been enabled to run on the Galaxy Nexus, Google’s flagship Android device which is expected to go on sale soon with Verizon. Verizon said it has not blocked the NFC application but is working on commercial talks with Google, which many have interpreted as Verizon holding back the wallet until its own Isis payment tool is available.
  • That suggests to me that we shouldn’t expect to see Google Wallet instantly enabled on Isis phones. It can still happen eventually and Verizon makes it sound like it’s just a matter of working things out with Google. But each Isis carrier will be able to decide what service provider gets access to their secure element, and it looks like it will not be a free-for-all. That makes sense on some level for security reasons but my hope is that ultimately, Isis members won’t find reasons to keep Google Wallet or other competing applications off their phones for too long. The NFC wallet market is just emerging and it will be good to have competition and options for consumers.
Marc-Alexandre Gagnon

45 mobile operators announce support for SIM-based NFC [24Nov11] - 0 views

  • 45 mobile operators have pledged their support for subscriber identity module (SIM) based Near Field Communication (NFC) implementations in an announcement made by mobile industry trade body the GSM Association (GSMA).
  • The 45 operators involved account for nearly 3 billion subscriptions worldwide, and include China Mobile, Vodafone Group, América Móvil, Telefónica Group, China Unicom, Axiata, Bharti Airtel, Deutsche Telekom, Verizon Wireless, and AT&T.
  • Potential applications for this technology include mobile payments, public transit access, event ticketing, secure access to buildings or vehicles, identification, and person-to-person (P2P) data sharing.
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  • The GSMA has published interoperability standards for SIM-based NFC application programming interfaces (APIs) and protocols based on the Pay-Buy-Mobile specification for secure NFC mobile payments. Such standards pave the way for the development of contactless services across a variety of devices irrespective of their operating system (OS) while providing more detailed implementation protocols for the Java and Android platforms.
  • IHS Screen Digest research indicates that the 45 operators involved in the announcement serve 50.7 per cent of the world's mobile subscriptions. Since the NFC module is embedded in the SIM card, the operators expect users to be able to use existing handsets for contactless services without the need to switch to a high-end smartphone. Users of smartphones currently lacking NFC capabilities will also benefit from this technology.
  • The large existing user-base of low-cost, mid-tier, NFC-less feature phones popular in emerging markets is a prime target for this technology. However, technical difficulties have prevented the adoption of SIM-based NFC. As the SIM card slot is located behind the battery, radio signals to and from the NFC module are effectively blocked in many phones.
  • There is also the issue of cost. IHS Screen Digest estimates current SIM-based NFC modules to be a hundred times more expensive than traditional SIM cards. This would deter most operators from venturing into offering SIM-based NFC as an option to customers in emerging economies until economies of scale bring the associated costs down.
  • It is unlikely that operators will allow third-party "over-the-top" services outside of their value chain. As the implementation of some contactless services (e.g. mobile payments, public transit) depends on a close collaboration between operators and local third-parties, it is expectable that contactless services deployments and uptake will vary greatly across markets.
  • IHS Screen Digest does not foresee rapid adoption of SIM-based NFC mobile payments. Users will likely become acquainted with the contactless technology by way of other use-cases, as NFC experiences in Asia and Europe suggest--most notably the Octopus transit and stored-value card in Hong Kong, and the London Oyster transit card.
  • If NFC payment and transit cards schemes prove successful in more locations, the likelihood that such services will be increasingly incorporated into mobile devices will also increase.
Dan R.D.

Social media 'could transform public services' - 0 views

  • Social media could transform the NHS and other public services in the same way that file-sharing changed the music industry, a conference has heard.Growing use of tools, such as Facebook and Twitter, offered an opportunity to reinvent services, delegates heard. “It’s happened to the music and travel industries and it’s going to happen to public services,” said Dr Paul Hodgkin, founder of the Patient Opinion site that organised the MyPublicServices conference. He said that conversations about people’s experiences with public services were going on all over the web and needed to be taken into account.“This is about turning things upside down so the thing that looks like a deficit, your experience, becomes the gift you have to give to other people.” “I’m not sure that the government can re-engineer itself from the inside out,” he said. “It’s going to take the demands of people to force it into shape.” Read more at news.bbc.co.uk
D'coda Dcoda

Research and Markets: Global - Mobile Broadband - Location Based Services Insights [17M... - 0 views

  • (http://www.researchandmarkets.com/research/f92935/global_mobile_br) has announced the addition of the "Global - Mobile Broadband - Location Based Services Insights" report to their offering. Despite the hype regarding this technology since around the year 2000; we have just recently begun to see applications for this technology become available to mass audiences. This is thanks to services like FourSquare and Facebook Places offering users the ability to check-in. The future of mobile Location Based Services will continue to emerge as handsets with smarter capabilities, new apps and user interfaces continue to permeate the market. This report provides a broad global overview of trends and developments in the mobile location based services industry, including a brief overview of GPS.
  • For more information visit http://www.researchandmarkets.com/research/f92935/global_mobile_br
D'coda Dcoda

SHAPE Services' Neighbors Location-Based Messaging Platform Now Available For Its IM+ M... - 0 views

  • SHAPE Services, a leading mobile app developer best known for its IM+ All-in-One Mobile Messenger app, today announced that their new location-based messaging service, named “Neighbors,” is now available as a free update to its IM+ Mobile Messenger.With “Neighbors”, user can now find new real life connections and friends, buy and sell local services and goods using an interactive map, chat with local friends as well as initiate conversations with other people who are nearby, and publish and view local offers and announcements as status updates on their profiles.
  • Features:Location-Based Messaging Functionality – Allows users to find real people in their local area and easily initiate conversations, catch up with local friends and post local announcements.Location Privacy – Easy-to-understand privacy settings for disclosing user location, which includes the user’s ability to define their location as wide as their house, street or city.Interactive Map – With just a tap of the finger users can see the person’s profile and status, allowing the user to visually identify people around them.
  • SHAPE Services also plans to incorporate a unique patent pending augmented reality interface that will let the users look around with a 360 degree camera view.
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    plans to incorporate AR later
D'coda Dcoda

Location Based Social Media and The Rule of Three [14May11] - 0 views

  • n advertising circles there is an axiom that says that a customer has to be exposed to your product or service at least three times before they will convert. It's called the rule of three. It's why companies run remarketing campaigns. It's also an explanation for two conflicting surveys concerning location based social media.
  • In the first survey by Dubit, a youth communications agency, they found that 48% of teenagers surveyed had never heard of location based social media services such as Facebook Places and Foursquare. And of the 52% of the teenagers that had heard of these services, few of them actually used those services. The survey consisted of 1,000 teens between the ages of 11 to 18.
  • The second survey by Comscore's MobiLens showed that 16.7 million mobile users accessed check-in services like Foursquare and Gowalla. And 95% of those users regularly accessed a mobile web browser. The medium age range was 18 to 34. So what's going on? How can teenagers, who practically live and sleep with their mobile phones, be so out of the loop when it comes to location based social media? The answer is that they simply haven't been exposed to the services often enough to see the value.
Dan R.D.

Service Blackouts Threaten Cloud Users - Technology Review - 0 views

  • Damage control: Internet discussion about the service outage that struck Amazon Web Services in April spiked as soon as problems began (April 21st) and again when Amazon explained the cause (April 29th). The data is based on selected mentions on Twitter, blogs, and in online media. Alterian
  • Just ask Jeff Malek, cofounder of BigDoor, a Seattle company whose game software is hosted on the public servers of Amazon. Last April, problems in a Northern Virginia data center crippled Amazon's northeast operations, affecting many cloud-based businesses. Spotty service over four days left BigDoor scrambling to find technical solutions and issuing a steady stream of apologies to its 250 clients. Since then, BigDoor has joined a growing number of companies that are seeking new ways of building outage-resistant systems in the cloud, often at additional expense and inconvenience.
  • Even though outages put businesses at immense risk, public cloud providers still don't offer ironclad guarantees. In its so-called "service-level agreement," Amazon says that if its services are unavailable for more than 0.05 percent of a year (around four hours) it will give the clients a credit "equal to 10% of their bill." Some in the industry believe public clouds like Amazon should aim for 99.999 percent availability, or downtime of only around five minutes a year.
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  • Indeed, Stump says only one thing is 100 percent certain when it comes to the cloud: "You always have to architect your systems under an assumption of failure."
Marc-Alexandre Gagnon

The Paypers. Insights in payments. [02Dec11] - 0 views

  • The Dutch consortium of major banks and MNOs which in 2010 signed a letter of intent to jointly introduce mobile payments at the checkout in the Netherlands have taken their initiative one step further.
  • The partnership, which includes financial services providers ABN AMRO, Rabobank and ING as well as KPN and Vodafone, will notify the initiative for approval to the European Commission in Brussels.
  • It is expected that the EC will communicate its vision in the first quarter of 2012. After that, the consortium can start the actual execution of the plans. It is expected that Dutch consumers can experience payments with their mobile early 2013.
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  • The consortium was established to develop a user-friendly and secure mobile payment service in the Netherlands. For technical support a central services organization (Trusted Services Manager/TSM) is set to be established by the partners. The creation of a legal entity which will host this TSM is currently in preparation.
  • In 2010 the six original consortium partners signed a letter of intent, followed in mid-2011 by a cooperation agreement. T-Mobile, which was part of the initial group of six, has recently decided not to become a shareholder in the legal entity to be established and therefore not to continue the cooperation. T-Mobile and its parent company Deutsche Telekom strongly believe in the potential of mobile payments, but will decide in a later stage how to bring this service to the market.
  • The other five partners however have fully reconfirmed their commitment to the Sixpack initiative. In view of the competitive aspects of collaboration between the biggest banks and mobile operators, the consortium informed the Dutch Competition Authority (NMa) of the initiative in an early stage. In the coming weeks the Sixpack initiative will be notified to the European Commission (EC) in view of the requirement to test the founding of the TSM for competition law aspects.
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