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Marc-Alexandre Gagnon

Stocks Cashing In on Mobile Payments (AXP, EBAY, GOOG) [27Aug11] - 0 views

  • The race to replace your wallet with mobile payment options is on.
  • Consumer demand for smartphones, combined with near-field communication, or NFC, technology that enables everyday purchases, is fueling the shift from credit card swipes to mobile payments. With smartphone sales expected to increase 50% this year, mobile payment services are in a mad dash to capture market share, and the growing competitive space has sparked strategic partnerships among big names.
  • Meet the contendersMobile payment sales in the U.S. are expected to increase at a 68% compounded annualized growth rate over the next five years. It's no wonder that big players like American Express (NYSE: AXP  ) and Google (Nasdaq: GOOG  ) want in on the action.
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  • American Express recently took the spotlight when the company signed a deal with Verizon Wireless allowing mobile users to make purchases on Verizon devices using a streamlined process. As the largest U.S. wireless carrier, Verizon reaches a broad audience. The partnership comes at the right time as American Express opens its own digital payment software called Serve, which will come pre-installed on all Verizon smartphones and tablets.
  • In an apparent bid to boost sales of Android phones, Google launched Google Wallet, a mobile payment platform for Android users. How it works: Google's Android platform will support NFC technology (more on that in a minute) capable of turning your phone into your wallet, letting you store digital credit cards on your Google Wallet account. Just walk into a store, pick up a product, and tap your phone on the payment reader. Google's service will support the payment networks of Citigroup's (NYSE: C  ) Citi, MasterCard (NYSE: MA  ) , and First Data.
  • eBay's (Nasdaq: EBAY  ) PayPal has dominated the online payment space for over a decade, but as the competition gets tough and the focus shifts to mobile devices, the company will need to make big moves to maintain its head start. One such move was initiating Titanium+Commerce, a mobile payment program that lets small businesses design their own smartphone apps for processing PayPal transactions.
  • Another emerging competitor in the mobile payments space is ISIS, a mobile commerce network founded as a coalition among AT&T (NYSE: T  ) , Verizon Wireless, and T-Mobile. Similar to Google Wallet, ISIS will run on any NFC-enabled device offered by the three carriers. Payment network partners will include American Express, Discover, MasterCard, and Visa (NYSE: V  ) .
  • Why this will workFor one thing, smartphones have conquered dozens of industries by gradually replacing everyday items like pocket calendars, road maps, and cameras with their ever-evolving apps. I have no doubt the move to mobile payments will quickly make credit cards a thing of the past. Who will finish the race with the most market share? The company that can get the most merchants to adopt its service. At this point, ISIS shows the most promise because merchants will benefit from a solution offering multiple wireless carriers.
Marc-Alexandre Gagnon

Gartner Identifies the Top 10 Strategic Technologies for 2012 [18Oct11] - 0 views

  • Gartner, Inc. today highlighted the top 10 technologies and trends that will be strategic for most organizations in 2012.
  • Gartner defines a strategic technology as one with the potential for significant impact on the enterprise in the next three years. Factors that denote significant impact include a high potential for disruption to IT or the business, the need for a major dollar investment, or the risk of being late to adopt.
  • A strategic technology may be an existing technology that has matured and/or become suitable for a wider range of uses. It may also be an emerging technology that offers an opportunity for strategic business advantage for early adopters or with potential for significant market disruption in the next five years. These technologies impact the organization's long-term plans, programs and initiatives.
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  • The top 10 strategic technologies for 2012 include:
  • Media Tablets and Beyond.
  • Mobile-Centric Applications and Interfaces.
  • Contextual and Social User Experience.
  • Internet of Things.
  • App Stores and Marketplaces.
  • Next-Generation Analytics.
  • Big Data.
  • In-Memory Computing
  • Extreme Low-Energy Servers.
  • Cloud Computing.
Dan R.D.

Deceivers.com » Ipad - A Kindle Onslaught, For Real? - 0 views

  • iPad is not exactly an e-reader. It is a hybrid that hovers between a cellphone, a computer, and in some unbelievable respects, an e-studying device. What it does precisely, no one can somewhat pin down. It houses a formidable instrument that may do anything else from enjoying top definition movies to providing an outstanding gaming console and, smartly, everything else in between. E-studying capabilities included. In the beginning look, iPad seems to run away as a winner in lots of things. But if pitted in opposition to Amazon’s Kindle, does it even stand an opportunity?
Marc-Alexandre Gagnon

PayPal Predicts No Wallets by 2016 [24Nov11] - 0 views

  • Back in 2007, the Chief Executive of Visa Europe claimed that we could all be living in a cashless society by 2012. With that milestone fast approaching, it’s safe to assume that notes/bills and coins won’t be going the way of the dodo that quickly, but a new forecast has emerged from another giant from the finance world.
  • PayPal has produced a new report which will be released shortly – Money: The Digital Tipping Point – in which it predicts not only that consumers won’t need cash to go shopping, but they won’t need a wallet at all. And when can we expect this vision to be realized? 2016, it seems.
  • We’ve written quite extensively about mobile payment technology in recent times. Back in September we spoke with Ben Milne, founder of peer-to-peer Web and mobile payment platform Dwolla, who discussed the future of m-commerce. And prior to that, The Next Web’s Brad McCarty looked at how NFC will get its piece of the $4 quadrillion payments pie. There’s little question mobile payments will play a big part in the future of commerce. But will it completely outmanoeuvre paper, coins AND plastic by 2016?
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  • Around 45 million people in the UK use a mobile phone, and 49% of mobile users surveyed use their device to purchase products at least once every three months. But there is still a big demand for in-store purchases too, as we saw with London’s Oxford Street retailers gearing up for Christmas by introducing a number of tech initiatives to help capitalize on the growing m-commerce trend.
  • So the real prediction here is that the uptake of mobile payment technology will increase significantly over the next 4 years – something that most people would probably agree with. But at the rate we’re currently going at, and with the likes of NFC technology gaining momentum in the micro-payment sphere, cash could be under threat sooner than we may otherwise have realized.
  • “We’ll see a huge change over the next few years in the way we shop and pay for things”, says Carl Scheible, Managing Director of PayPal UK. “By 2016, you’ll be able to leave your wallet at home and use your mobile as the 21st century digital wallet. Our vision of money is to enable you to pay for something from wherever you are, whatever device you’re on – a PC, mobile phone, tablet, games console and a whole lot more.”
  • Indeed, Scheible continued by saying that it will take another 4 years before we’ll see the real beginning of money’s digital switchover in the UK, but he stopped short of any discussion relating to a ‘cashless society’. “We’re not saying cash will disappear entirely, but we’ll increasingly use our phones and other devices rather than our wallets to pay in-store as well as online”, he says. “The lines between the online world and high street will soon disappear altogether. Children born today will become the UK’s first ‘cashless generation’. It will be completely natural for them to pay by mobile.”
  • PayPal’s findings are based on interviews by Forrester Consulting with 10 senior executives from major UK retailers and other businesses, with a combined turnover of £85bn.
  • By 2016, it’s thought that UK mobile retail sales will hit £2.5bn. PayPal currently has over 14m active UK accounts, over a million of which have been used to send a mobile payment. Around the world, PayPal expects to process more than $3.5bn (£2.25bn) in mobile payments this year, five times more than in 2010.
Dan R.D.

Philadelphia Department of Records and Azavea Release White Paper on Augmented Reality ... - 0 views

  • Azavea announced the publication of a free white paper that summarizes their research on the use of mobile augmented reality techniques for enhancing digital access to historical and cultural resources
  • the Philadelphia Department of Records was awarded an NEH Digital Humanities Start-Up Grant to develop innovative techniques for leveraging the sensors in contemporary smart phones to expand public access to historical data in novel ways. 
  • The new Augmented Reality by PhillyHistory.org application provides point-and-view access to 500 historic photographs of selected sites around Philadelphia.  Users are able to automatically access and view the historic photographs by simply pointing the camera of a smart phone at the contemporary site and selecting an available image.  The historic photos then appear as an overlay on the current urban landscape, enabling viewers to compare the past to the present.
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  • With support from the NEH Digital Humanities Start-Up Grant, the DOR and Azavea’s software engineering team were tasked with exploring these questions and publishing a white paper to present the findings of this research.  The white paper is free to download at http://www.azavea.com/augmented-reality
  • While the $50,000 research grant has yielded a more complete application than originally anticipated, the project team encountered a number of limitations with the current state of the technology.
  • The Department of Records and Azavea expect to seek additional funding in order to develop solutions for these limitations as well as bring the technology to a broader array of devices including tablets.
D'coda Dcoda

Hackers For Egypt Advocate For A Better Democracy Through Technology [27May11] - 0 views

  • Post-revolution Egypt is in a state of flux overlooked by outsiders. New political parties are forming while various factions hustle for power. As Egypt gears up for free elections, tech-savvy geeks are betting that their projects will have a major impact on how people will vote.
  • A combination of academics and entrepreneurs recently worked with Egyptian activists on a “Hackathon for Egypt” that provides some interesting--and fascinating--clues.
  • Participants in the hackathon were organized by Cloud to Street, a project dedicated to aiding Egyptian activists through technology. Cloud to Street is headed up by a loose group of primarily Canadian scholars and diplomats. Approximately 75 programmers took part, as well as Egyptian activists who attended both in person and via teleconference
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  • Most of the tech created at the conference was aimed at Egypt's upcoming elections, which civil-society activists have been obsessively monitoring. The upcoming vote is expected to be the first free election for a leader in Egypt's long, long history. Elections are expected to occur in October or November; the ruling military junta has been unclear on the exact date.
  • The conference's most intriguing result was a platform for crowdsourcing the new Egyptian constitution. The platform, which appears to have drawn inspiration from a similar project in Tunisia, allows users to simultaneously browse constitutional texts from multiple countries, propose articles and ideas online and to collaborate on compiling the ideas into a workable text. Owing to Egypt's special circumstances, the platform also contains extensive provisions for off-computer use--many Egyptians simply don't have regular access to either a computer or the Internet.
  • Other projects worked on at the hackathon included a web platform for training Egyptian election monitors and an interactive tool that allows voters to explore the policies of various parliamentary candidates.
D'coda Dcoda

#newsrw: Keep the audience interested with interactivity [27May11] - 0 views

  • Paul Bradshaw, visiting professor, City University and founder of helpmeinvestigate.com used the principal of toys to give ideas on developing the data story and explained the importance of  “future proofing the information we are gathering”, saying “that’s one of the big commercial imperatives”.
  • Conrad Quilty-Harper, data mapping reporter at the Telegraph, explained how creating maps adds to a story by using the example of a map on bike sharing schemes he created (though did not publish) using “Google Fusion Tables and a bit of javascript”. He recommends Google Maps and says the trailblazer of a news site using Google Fusion tables is the Texas Tribune.
  • My proudest example” was a live interactive Royal Wedding map which “worked brilliantly for three hours”. It showed some of the best tweets and were geolocated on the map. “We’ve got the data and we’re going to analyse it and do something with it in the future,” he said. “It tells you what people in specific locations were thinking”. The Telegraph would like to use the technology in a crisis news story, such as an earthquake or conflict.
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  • One of the Telegraph’s examples Quilty-Harper gave was a map of what the UK would look like if the 2010 election was decided by people voting under the AV. He said the Telegraph is moving away from Flash graphics, which is not supported by the iPad.
  • “There’s a lot of under used resource” in the UK when it comes to creating maps, Quilty-Harper explained, saying the US is ahead of the game. He gave a tip that the Met office has an amazing resource of data on weather. Federica Cocco is editor of OWNI.eu and demonstrated the power of bloggers, data journalists, activists and graphic designers working together.
  • OWNI considers itself a think tank and as describes what they do as “augmented journalism”.
  • Alastair Dant, lead interactive technologist at the Guardian, gave a run down of how news websites use interactive content.
  • He listed the use of photos, slideshows, the interactive timeline, maps, charts and graphics, open-ended systems or “games”, which are interactive and allow users to make choices about what should happen, for example.
  • His view of the future is one of “lots of screens” as people use phones and tablet devices and of HTML5, which provides cross browser compatibility, overcoming the current problem.
  • Dant’s three tips for making interactive content are: 1. Google Fusion Tables 2. Tableau 3. Dipity, which is for timelines.
  • A question on how interactivity affects the audience and visitor numbers resulted in Paul Bradshaw discussing how many interactive maps and graphics go viral.
  • “With interactivity you get engagement”, Bradshaw said, and people spend a lot more time on the page – five times longer in the case of the data store, Bradshaw said.
D'coda Dcoda

Your favorite gadgets are threatening the planet's future [18Jun11] - 0 views

  • Earth is expected to be home to over nine billion people by 2050. That’s a lot of people for Mother Nature to manage.
  • Space issues aside, the biggest concern on an over-populated planet is whether or not there will be enough resources to go around. Last week, British investor and Co-founder of Grantham Mayo Van Otterloo (GMO) Jeremy Grantham offered what Business Insider called a “startlingly depressing outlook for the future of humanity.”
  • the purpose of this piece isn’t to tread well-worn ground about the planet’s perils. So forget about fossil fuels, drinking water, crops, ice-caps, trees and animals for now. What we’ll be looking at is all those elements that go into helping you do what you’re doing right now. Whether you’re reading this on your laptop, smartphone, tablet…or any other digital device, the natural environment has had a huge part to play in this experience.
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  • Ethical electronics
  • Tantalum
  • Besides the direct environmental impact of mining the Earth, there is a more immediate threat. You’ve no doubt heard about conflict diamonds or ‘blood diamonds‘, which are diamonds mined in a war zone and sold to finance an insurgency, invading army’s war efforts or a warlord’s activity. Well, your mobile phone contains a similarly valuable commodity that’s been at the center of controversy in recent times
  • Tantalum is one of the best superconductors on Earth, and it’s used to coat capacitors to obtain more power from less energy. This basically means that laptops and mobile phones don’t need batteries that are larger than the device itself – so this is one of the chief reasons why you can slip your iPhone in your pocket rather than carting it around in a wheelbarrow. In central African countries such as The Democratic Republic of Congo,the mining of the mineral coltan – from which tantalum is extracted – it has often been argued fuels wars and encourages child slavery. And these arguments are well-founded.
  • However, the majority of tantalum production shifted to Australia, and Western Australia became the world’s largest source of mined tantalum concentrates. The mine closed in late 2008, and has only recently reopened.
  • In 2010, major concerns were raised as to the availability of tantalum and the effect this would have on the supply chain. “The impact, the real concern, is actually obtaining the metal,” said Dennis Zogbi, CEO of Paumanok Publications, which researches the component industry and the tantalum markets. If the stockpile of tantalum ever runs out, this could be disastrous for the electronics industry.
  • Tantalum minerals are also mined in Canada, China, Ethiopia, and Mozambique, and mass reserves were found in Venezuela in 2009, and in Columbia a year later.
  • Bloomberg reported a couple of weeks ago that the first conflict-free tantalum has recently been certified by The Electronic Industry Citizenship Coalition and Global e- Sustainability Coalition (EICC/GeSI), an initiative backed by companies such as Apple and Intel.
  • Indium
  • Then there’s Indium, a rare chemical element you may or may not have heard of. Zinc ores are the primary source of indium, which – when isolated – is then used in liquid crystal displays (LCDs) and touchscreens.
  • China is a leading producer of indium, whilst Canada and Bolivia are also large producers. And Cornwall, England, was also found to hold significant indium deposits earlier this year too, something which could prove massively beneficial to the UK economy
  • Last year, 85% of all indium was devoted to making indium tin oxide for use in LCD products, and the demand is predicted to grow at 15% a year over the next few years
  • A UN report published last month found that there are virtually no recycling initiatives in place for indium, and Thomas Graedel, one of the report’s eight authors, warned that a failure to re-use metals such as Indium doesn’t bode well for the future
  • “If we do not have these materials readily available at reasonable prices, a lot of modern technology simply cannot happen. We don’t think immediate shortages are likely but we are absolutely unable to make predictions based on the very limited geological exploration currently conducted.
  • The case for recycling
  • Your old mobile phone has circuit boards, batteries and an LCD screen – these all contain harmful materials that, when dumped in landfill sites, eventually break down and leak into the environment.
  • Over time, the likes of lead, cadmium and mercury pollution can be hazardous to the environment and to our health. It was for this reason that, in 2006, California became the first US state to make it mandatory for all mobile phone retailers to establish a collection and recycling program for mobile phones. The law also prevents residents from disposing of old mobile phones.
  • It’s very difficult to reclaim tantalum once it has been transposed onto an electronic component. For this reason, it’s important that you choose how you dispose of old devices carefully. Some organizations will promise to ‘safely’ recycle your handset, but this is very vague and may not mean the components are being reused. Given the amount of effort and strife that may have gone into producing it, you should ensure that it is actually reused. But this is something governments and industries need to help consumers achiev
  • The UN report analyzed the recycling rates of 60 metals, and 34 of these have recycling rates of less than 1%. Among the least-recycled metals were tellurium and gallium – which are used in solar cells – and lithium, a key element in your phone and laptop batteries.
  • Despite the best efforts of environmentalists, governments, businesses and consumers, there could be another ‘small’ obstacle to contend with if we’re to protect the Earth’s natural resources. And that is China
  • As reported recently in National Geographic, China supplies 97% of the world’s so-called rare earth elements, elements we all rely on for all our high-tech gadgetry, including mobile phones and laptops. And in 2010, China gave a hint of what the future may hold for the rest of us, when it stopped shipments of rare earth elements to Japan for a month following a diplomatic dispute. This had a big impact on the price of rare earths on global markets. China is expected to reduce its rare earth exports to help protect the country’s own rapidly growing industries. Indeed, it’s worth noting that almost two-thirds of rare earth metals produced in China are already consumed ‘in-house’, so to speak.
  • If China does decide to cut back on its exports, global prices will sky rocket. Dysprosium, for example, is used in hard-drives and it now sells for over $200 a pound (roughly half a kilo), but the disturbing thing is that the price was only about $7 eight years ago
  • It’s thought that the global demand for many rare earth metals could exceed the supply as soon as the end of this year.
  • So how serious is this? Well, China has almost half of the planet’s rare earth reserves. The US holds about 13%, whilst Russia, Australia and Canada also has some stockpiles, so we’re not quite at the critical stage yet. But the writing is very much on the wall for many industries, not just electronics.
Dan R.D.

Google's Big Bet on the Mobile Future - NYTimes.com [15Aug11] - 0 views

  • Google made a $12.5 billion bet on Monday that its future — and the future of big Internet companies — lies in mobile computing, and moved aggressively to take on its arch rival Apple in the mobile market.
  • The Silicon Valley giant, known for its search engine and Android phone software, rattled the tech world with its announcement that it would acquire Motorola Mobility Holdings, allowing it to get into the business of making cellphones and tablets.
  • The deal, which requires regulatory approval, would also give Google a valuable war chest of more than 17,000 patents that would help it defend Android from a barrage of patent lawsuits.
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  • “Computing is moving onto mobile,” Larry Page, Google’s chief executive, said in an interview. “Even if I have a computer next to me, I’ll still be on my mobile device.”
  • But it is far from clear that Google, a $179 billion business largely built on sophisticated search algorithms and online advertising, can transform itself into a device maker. The business is costly, and the margins are slim, said Jordan Rohan, an analyst with Stifel Nicolaus.
  • “This is an emphatic exclamation point that Google is a mobile company,” said Ben Schachter, an analyst with Macquarie Capital. “It shows how important Android is to Google.”
  • Shares of Google fell 1.16 percent on Monday, to $557.23, while shares of Motorola Mobility added 55.78 percent, to $38.12.
Marc-Alexandre Gagnon

Recent Swype Purchase A Game-Changer For Nuance Communications - Seeking Alpha [16Oct11] - 0 views

  • Nuance Communications (NUAN) CEO Paul Ricci must have taken copious notes in class because his company's recent purchase of Swype has catapulted it from a voice recognition company to an input organization.
  • I think this is a big move for the company because it expands what it, as an entity, does.
  • To "swype," a person traces across keyboard letters in a continuous motion to comprise a word. Swype says its input method lets people do more than 40 words a minute, and says the application is meant to work across not just phones and tablets, but also game consoles, kiosks, televisions and other screens.
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  • Swype is licensed by a number of Android-based device makers, and that Swype has signed with 15 manufacturer partners and is on 50 million devices shipped in the last 18 months.
  • That's a lot of smartphones, and let's not forget that Apple (AAPL) is a player in that arena, too. In fact, it recently released its much ballyhooed iPhone 4S with the usual media circus in tow. The technology and investing press have written extensively about the device, and the big selling point of the communicator is its voice-recognition wizardry, more commonly known as Siri. Nothing has been confirmed, but Nuance Communications purportedly has the technical know-how that is the backbone of this game changer.
  • Dragon (the Nuance voice engine) happens to be almost universally regarded as the best voice recognition software.
  • As we've moved from predictive text to voice activated mobile computers, one thing is apparent - not one company can do it all alone. These wireless communication devices are a symphonic whole of many efforts. "The nature of the Mobile business is changed to one where our engagements with a number of important partners has become more extensive in co-development.
Dan R.D.

How IT Can Empower Your Employees [25Oct11] - 0 views

  • What do smartphones, tablets, and self-service business information tools have in common? All three are on high-growth trajectories for enterprise adoption. In a new report issued last week by Forrester Research called called TechRadar For Enterprise Architecture Professionals: Technologies For Empowered Employees, Q4 2011, it shows how these and others have taken over the enterprise. It is the classic IT problem. As Gene Leganza writes in the introduction, "Mobile, social, video, and cloud technologies give individuals tremendous access to information and resources. Employees can become the best source of innovation and the breakthrough ideas that CxOs are hungry for. But as employees become empowered, central IT begins losing control of the technology strategy."
Marc-Alexandre Gagnon

iTWire - Commonwealth Bank to launch "world first" mobile payment app [24Oct11] - 0 views

  • The Commonwealth Bank will launch tomorrow, 25 October, what it says will be "a world-first mobile app that marks a significant change to the way their customers can pay [and that] will combine a number of payment types."
  • In July Comm Bank introduced a revamped mobile banking app for iPhone, Android and Windows 7 and a new app for iPads and Android tablets.
  • "You can expect us to lead very aggressively in the mobile payments space… And we will be integrating NFC as soon as the handset vendors are ready to go."
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  • "There is not a tremendous amount of value in having cool mobile apps that function well but are connected to a back end that predates the Internet. We are the only bank with a completely modernised core banking platform. We believe the notion of real time banking on mobile devices is going to be more important than ever."
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