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D'coda Dcoda

10/04/08 The Revolution is over - Overhauling the conversation about social media - 0 views

  • We’re standing on the shoulders of thought leaders who got social media rolling, time to take the next steps: Better Research Better Metrics and a better understanding of what they mean Defining Ethical & Acceptable Practices Educating others and never wavering from the core elements of social media: What do you want to accomplish? How best do we work to accomplish your goal? How do we measure it? The author adds, “…so I’m done reading the 10 ways to better engagement and follower strategies. It’s either junk science or its been said already.The theories and practices are already defined, it’s time to go to work and use them.”
  • Geoff Livingston, a long time PR blogger, is calling it quits because, “I have run out of things to say.” Further into his post he shared a profound state of social media. Though the pioneering phase is done or may be near done, it’s actually a robust time for social media. Widespread adoption is occurring and best practices within verticals continue. It’s just time for new voices here and abroad (YOU GUYS) to carry the social PR conversation.
  • The internet and people are not new but the past 5 years have been a Social Media explosion. A breathless gold rush to a brave new country and anytime that happens great explorers emerge to lead the way.But the revolution is over
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  • I’m not implying that social media is dead or its impact will lessen, just the opposite actually. The revolution is over because we are now sitting at the decision makers table.It’s time to stop pretending we’ve discovered something new.Read more at knowthenetwork.com 
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    We're standing on the shoulders of thought leaders who got social media rolling, time to take the next steps: Better Research Better Metrics and a better understanding of what they mean Defining Ethical & Acceptable Practices Educating others and never wavering from the core elements of social media: What do you want to accomplish? How best do we work to accomplish your goal? How do we measure it? The author adds, "...so I'm done reading the 10 ways to better engagement and follower strategies. It's either junk science or its been said already.The theories and practices are already defined, it's time to go to work and use them."
Dan R.D.

Majority Of Smartphone Users Online "Multiple Times" Daily - 0 views

  • In New York, at the Mobile Marketing Association forum, Google presented sponsored research on global smartphone user and marketer behavior. The data come from two related studies. The first is an “an online survey of thousands of mobile consumers in 30 countries.” The second is based on “a telephone survey of 1,000 marketing decision makers,” with a focus on US, UK, Germany, France and Japan.
  • More than Half of Smartphone Users Online Daily In the US smartphone penetration stands at about 36 percent according to the most recent Nielsen data. In Western Europe, on a percentage basis, the numbers are higher in several countries. The Google research showed that increasingly smartphone users go online daily and that many are on the mobile internet multiple times a day: US — 58 percent (online) 53 percent (multiple times) UK — 55 percent (online) 49 percent (multiple times) France — 59 percent (online) 47 percent (multiple times) Germany — 45 percent (online) 42 percent (multiple times) Japan — 78 percent (online) 68 percent (multiple times)
  • Almost All Local Info Seekers Take Action Here’s what the data showed about local-mobile information seekers and then the percentage who have “taken action” after a local search/lookup: US — 90 percent (search/lookup) 87 percent (took action) UK — 81 percent (search/lookup) 80 percent (took action) France — 83 percent (search/lookup) 83 percent (took action) Germany — 85 percent (search/lookup) 79 percent (took action) Japan — 90 percent (search/lookup) 80 percent (took action)
Dan R.D.

10/03/03 Beyond Twitter Search Semantic Analysis of the Real-Time Web Beyond Twitter Se... - 0 views

  • What Ellerdale is now doing with Twitter’s 50 million tweets per day is definitely interesting - the service uses an intelligent data-parsing engine to analyze the context of tweets and the links they contain and combines that with other data sources like RSS feeds and Wikipedia to create a real-time search engine and trends tracker that provides more than just a list of tweets - it provides an understanding of the world’s conversations.The best part about all these new partnerships is that we’re about to see an entirely new way to search the web emerge. For quick real-time results, there will always be the major search engines and their more basic lists of tweets, but for true data analysis, we now have incredible new options like Ellendale and all the others.Within each category are conversation topics and sub-topics.any topical page on Ellendale returns an incredible amount of data. There are summaries provided from sources like Wikipedia, Freebase (an online semantic database),
D'coda Dcoda

Time + travel + map [06Jun11] - 0 views

  • mapnificient travel-time map “specific to each city, ‘mapnificent’ sources the timetables of the major public transportation services to roughly calculate the areas accessible within a given time span, highlighting this area in a lit ‘bubble’. one’s location can be set via address or dropping a pointer on the map, and settings for the search include whether the user has access to a bicycle and (in beta) the day and time, as well as the maximum distance the user is willing to walk to a source of public transit. a google maps search can be conducted to find nearby amenities, with results overlain onto the visualization.”
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    specific to each city, helps w timing of public transportation
Dan R.D.

Compensation Cafe: Is Your Organization Ready To Go ROWE? [26Jul11] - 0 views

  • Here are the 'Nine Commandments' of ROWE:
  • We do not post office hours or core hours. Our employees know where to be when they need to be there. We don't dictate it. Everybody has complete control over how they spend their time. All the time.
  • We do not track time for our exempt/salaried workforce. We track work getting done.
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  • There are no hours-worked expectations for exempt/salaried employees. We do not talk about how many hours we work or demand 40, 50, or 60 hours out of people.
  • We do not have a tele-work policy, handbook or tele-work rules. Tele-work is so 1970's, Work is just work. It doesn't need a location label, And, we don't have flextime.
  • We do not track PTO (vacation, sick time, personal time, holiday time). It's not a benefit. Unlimited paid time off as long as the work gets done is the contemporary benefit that matters.
  • Nobody asks permission to go to an appointment, event or any other personal activity. Ever. And they don't have to inform the team or management in an effort to be polite.
  • We have adopted the Sludge* Eradication Strategy - NO SLUDGE in our workplace.
  • We NEVER put 'mandatory' on a meeting invite. Every meeting is optional.
  • We don't have any limits put on how or when we can work: "No E-Mail Fridays" and "No Meeting Wednesdays" don't exist in our organization. 
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.
Dan R.D.

Do we need defined hours of work any more? [02Sep11] - 0 views

  • Are defined hours of work an anachronism that’s holding us back? Or is the freedom to work whenever we want something still reserved for a select few, and/or a trap that causes us to work more rather than less?
  • Flexible work is something that seems increasingly popular with programmers and other online workers, for reasons that Zach Holman of the software repository GitHub described in a recent post on the GitHub blog, entitled “Hours Are Bull****.” Holman said that for most of the staff who work on the service, there are no defined working hours whatsoever — everyone is on their own schedule and they work whenever they need to in order to solve the problems that need to be solved. As he puts it:
  • Hours are great ways to determine productivity in many industries, but not ours. Working in a startup is a much different experience than working in a factory. You can’t throw more time at a problem and expect it to get solved. Code is a creative endeavor… We want employees to be in the zone as often as possible. Mandating specific times they need to be in the office hurts the chances of that.
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  • Unstructured work is not for everyone That kind of approach, which management consultants like to call a “results-oriented workplace,” might be fine for a creative endeavor like programming or design, or even for businesses (like GigaOM’s) that involve brain-powered work such as writing.
  • There’s another risk Holman’s description of the new unstructured workplace brings up, something we’ve written about a lot at GigaOM, and that is the impact that this can have on the “work-life balance” of employees. Says Holman:
  • By allowing for a more flexible work schedule, you create an atmosphere where employees can be excited about their work. Ultimately it should lead to more hours of work, with those hours being even more productive. Working weekends blur into working nights into working weekdays, since none of the work feels like work.
  • Knowledge workers of all kinds find themselves answering emails or responding to text messages at all hours of the day and night, working on weekends, and so on. And the increasing globalization of many industries has just accelerated this phenomenon, since some staffers or contract workers may be in completely different time zones.
  • One thing is clear, however: This phenomenon isn’t going away; if anything, it is increasing, as more work becomes knowledge work, and as more companies try to adapt to a cloud-based and global world (flexible hours and an increase in freelance or contract work also has real benefits for companies in terms of lower costs, some of which are pushed down to the individual worker, such as the cost of health benefits).
  • Companies like VMWare are trying to help figure out how the nature of work changes when it occurs in “the cloud” and the workforce moves toward what CEO Paul Maritz calls the “post-document era.” Instead of sitting at desks moving paper around, more people are working in ways that are difficult to define, that involve streams of information that don’t start or stop at specific times.
  • Netflix has what it calls an “unlimited vacation” policy, which allows workers to take time whenever they need it, provided they arrange to have their work completed when necessary. Social Media Group, a Toronto-based consulting firm, is another that has taken this approach — one that CEO Maggie Fox described in a recent blog post.
Marc-Alexandre Gagnon

A Coke Machine, A Dorm Room, A Gate: How NFC Will Be Adopted [11Nov11] - 0 views

  • Whenever people think of near field communications, they think of mobile payments. Your phone becomes your wallet and spending money becomes as easy as tap, tap, tapping all day. Well, the era of your tap-able digital wallet is not here yet. It may never come. But that does not mean there are not some very interesting uses of NFC coming down the pipeline.
  • For instance, there was a Coca-Cola vending machine at ad:tech this week that was tied to Google Wallet. Tap, tap, tap away and take a Diet Coke Break. At Nokia World there as a gate that could be opened with a tap from your phone. A developer is working on NFC solutions to help his father who has Alzheimer's. NFC could be great as a monetary transfer solution, but there is so much more.
  • Groundswell To An NFC Enabled World
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  • A couple of months ago we wrote about a pilot program at Arizona State University gives students NFC-enabled phones that can be used to access dormitories and university buildings. At the time we said that this is the perfect place for the widespread use of NFC to start: universities have long been known to be the birthplace of behavior-changing trends.
  • Let's look at the NFC Coca Cola machine. This is actually the second time that we have run across one of these prototypes (note: we were not at ad:tech this week but found this story from Mobile Commerce Daily). The first time we saw one of these Coke machines was at a reception around mobile payments from MasterCard in New York City a couple of months ago. It functioned just like any other Coke machine, except it accepted money through NFC. Make your selection and tap on the receiver instead of digging through your pocket for change.
  • "The combination of mobile commerce and location technology moves our business from the point of sale to the point of thirst," said Wendy Clark, SVP of integrated marketing communications and capabilities Coca Cola according to Mobile Commerce Daily. "We have to place bets and we have to take risks if we want to feel innovation in the way that we market."
  • We may see groundswell coming from the big brands that are looking to change how they interact with customers. NFC is not going to be adopted because the big corporations like Google make partnerships with other big corporations in the mobile and financial worlds and all of a sudden we are going to change how we go about our day-to-day lives just because they tell us so. The act of buying a Coke is one of the simplest and most straightforward acts in all of society. If you see that your friend just paid for a Coke at a vending machine with her smartphone, you are much more likely to go, "hey, I wonder if I can do that to." Once you have your foot in the door, you are more likely to use that process again.
  • Adapting Technology To The Situation
  • During Nokia World in London I met a developer that wanted to explore NFC because his father has Alzheimer's and he wanted to figure out how the technology could help him give his father a way to manage his day-to-day life. For instance, setting timers on items around the house to keep his father from doing odd things at odd moments, like opening cabinets in the kitchen at 4:00 a.m. or leaving the house at the same time and wandering the neighborhood, not knowing where he is going. If his father has a watch with NFC in it, he could program those household functions to only respond to the NFC timer at certain times of the day.
  • Think of it: this is how NFC will evolve. Consumers are not going to be bludgeoned from on high by companies like Google, Sprint and MasterCard. It will start as a groundswell where developers see a problem, solve a problem. Big brands, like Coca Cola or Wal-Mart, will start instituting NFC solutions and people will become familiar with the technology first. It is one thing for Google to have a big demo, roll out a bunch of partners and say "this is the future." It is another for people to actually have the technology in their hands, using it to do a variety of activities.
  • Even the Google Wallet competitor, ISIS, thinks that competition is good for the realm. In an interview with CNET, ISIS CEO Michael Abbott said, "competition is what this space needs." Why would he say something like that? Because Abbott understands that people learn from other people and that the more solutions there are out there for people to see the technology in action, the more will ultimately adopt it. Competition drives innovation and better products in consumers' hands. In that way, the technology adapts to the situation, not the situation to the technology.
Dan R.D.

Selected Interactive Graphics - The New York Times - 0 views

  • 2008 Elections From the Jan. 3 Iowa caucuses to the Nov. 4 general election, information graphics were a major component of the New York Times election coverage. Interactive maps on the nytimes.com home page and inside the web site were rich with information, but easy to navigate.
  • 2008 Olympics Coverage In August 2008, The New York Times graphics department published more than 30 interactive graphics covering subjects ranging from the Olympic torch to the medal count. The package included graphics produced in advance of the games, plus more than a dozen produced on deadline analyzing results from a vareity of events. Because NBC tape-delayed the showing of many events, these graphics frequently were readers' first visual picture of how a race was won.
  • Flight 1549 Lands in the Hudson River When U.S. Airways Flight 1549 made an emergency landing in the Hudson River, graphics editors immediately began reporting what happened in the air, building 3-D models of the plane and developing an interactive graphic. The graphic was initially published the same day as the emergency landing, and updated over the next several days as more information was released. Published Jan. 15, 2009
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  • Inaugural Words An interactive graphic published this January shows the number of times words were used in inaugural speeches. Readers could view the use of the word in context, and then read the entire speech, or compare the words used by every president to date. Published Jan. 17, 2009
  • Twitter Chatter During the Super Bowl Using data gathered from Twitter's API, this mash-up shows what words people around the country were tweeting minute-by-minute as the Cardinals and Steelers battled it out on the field. Published Feb. 2, 2009
  • Where Immigrants Settled An interactive map shows where immigrant groups settled across United States over the last century. Readers can drill into more than 20 different immigrant groups and see the number who lived in each county in the U.S. at the time of every census since 1880. Published March 10, 2009
  • The Year in Markets An interactive graphic produced for the nytimes.com home page explains how 2008 became a dismal year for the financial markets. Published Dec. 31, 2009
  • Mapping Parking Tickets A interactive graphic mashes up data on the number of parking tickets given on each of 80,000 blocks in New York City with a Google street map. Published Nov. 28, 2008
  • The Danger of Digging Deeper An information graphic explains the risks involved in a new project that attempts to harvest geothermal energy from hot bedrock in an area prone to earthquakes. Published June 23, 2009
  • Failed Prostate Procedures An interactive graphic explains how brachytherapy — a procedure to treat prostate cancer — is commonly performed, and how a cancer unit at the Philadelphia V.A. botched 92 of 116 procedures. Published June 20, 2009
Marc-Alexandre Gagnon

PayByPhone adds NFC to Mobile Payments for San Francisco'​s 30,800 parking sp... - 0 views

  • PayByPhone, a leading international provider of systems for parking and urban mobility payments, has announced one of the largest deployments of near field communications (NFC) payment solutions in the world. The San Francisco Municipal Transportation Agency (SFMTA), which selected the PayByPhone mobile payment system for parking, is currently adding NFC-enabled stickers to the city's 30,800 parking spaces to give drivers the option to pay for parking with NFC-enabled mobile phones in addition to mobile apps and mobile web for regular phones. All parking meters continue to accept payment with coins.
  • The PayByPhone system, already deployed in the Castro district will be extended citywide as installation of the stickers is completed. The PayByPhone NFC sticker has a passive electronic chip that does not require a battery and stores information such as the parking space number that can be read wirelessly by any NFC-enabled phone.
  • Since each meter in San Francisco will have a PayByPhone sticker, users can simply wave or tap their NFC-enabled phones over the NFC sticker on the meter to automatically launch the parking application. The mobile payment system recognizes the user, identifies the individual parking location, and the driver enters the desired parking time to complete the transaction. The system then sends a text message reminder before the parking period expires, and if needed, allows additional time to be purchased by phone from any location (subject to time limit restrictions). A receipt is automatically sent to the user's email account. Payment is processed against a credit or debit card associated with the mobile phone number.
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  • "This is one of the largest deployments of NFC technology in the United States and shows the practical benefits this technology can deliver in terms of ease of use and convenience. There has been a lot of hype around NFC recently and PayByPhone is pleased to now put the technology in the field for real world applications," said Neil Podmore, VP of Business Development at PayByPhone. "We expect this to help kick start the more widespread adoption and understanding of the practical benefits of NFC in 2012."
  • The installation of mobile electronic payment systems is already catching the imagination of cities and towns around the world. With a proven role of providing parking authorities with efficient, easier-to-manage and cost effective solutions also comes real-time data to fine tune parking policies and provide parking guidance systems.
  • Analyst firm Juniper Research predicted that consumers around the world could generate as much as $50 billion in sales through NFC-based mobile payments by 2014. The potential for this nascent technology is huge, according to Jupiter.
  • PayByPhone, the largest provider of payment systems for parking across North America, has ongoing contracts in more than 60 cities, towns and universities including Miami; Dallas; Vancouver, BC; London, Paris and now San Francisco, the largest installation in the United States. Worldwide, the company handles more than 55,000 transactions per day. The company experienced rapid growth in FY 2011, logging an estimated 8 million transactions over the first six month period.
Marc-Alexandre Gagnon

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

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

Unlock Free Pizza in NYC This NYE With Payment App LevelUp - 0 views

  • Mobile payment app LevelUp will launch with its first national brand partner, Villa Pizza, on New Years Eve. Members of the annual Time Square New Years Eve mob who use the app to pay at the restaurant can enjoy $10 worth of free pizza while they’re waiting for the ball to drop — regardless of which phone, bank or credit card they’re using.
  • LevelUp, which was created by check-in game SCVNGR, makes mobile payments more practical by taking NFC hardware out of the equation. It can be used with an iPhone app, Android app or through a mobile website. Google Wallet, by contrast, can only be used by those who have a Citi Mastercard or Google prepaid card and an NFC-enabled phone.
  • A trickier problem than practicality, however, is getting people interested in using their phones to pay in the first place. “I don’t think the payment experience is particularly broken,” SCVNGR founder Seth Priebatsch told Mashable. “You need to add something more.”
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  • That’s where the $10 of free pizza comes in. Merchants can add rewards to LevelUp that are already waiting for customers the first time that they use the app. Customers earn free credit at that merchant every time they spend money there using the app. It functions like a loyalty card.
  • But is that enough to get people scanning their phones instead of their credit cards? T-Mobile is betting on it. They’ve partnered with the startup to provide merchants with scanning hardware that replaces the merchant app and makes it easier to accept LevelUp payments. Since launching in October, the startup has accumulated 100,000 users and teamed up with more than 1,000 merchants in San Francisco, New York, Boston and Philadelphia.
  • With more than 350 locations, Villa Pizza is their biggest partner merchant yet. If you had plans to be in Time Square on New Years Eve, would LevelUp’s $10 deal persuade you to check it out with your phone?
Marc-Alexandre Gagnon

Verizon begins testing new mobile payment solution - 0 views

  • Vantiv, a provider of mobile payment solutions, announced a new point-of-sale product on Friday that it will be rolling out in partnership with Verizon Wireless. The product, which is currently in field testing, includes custom tailored applications and an Android-based point-of-sale solution for accepting payments. The applications will be available in Verizon’s Private Application Store for Business. “Merchants and consumers are seeking greater mobility, control and timely access to data,” said Bill Weingart, Chief Product Officer of Vantiv. “We’ve teamed with Verizon to combine our payment and security expertise with Verizon’s ability to tailor development of mobile technologies to address those needs.” Verizon Wireless is also a member of ISIS, an initiative in which it has partnered with AT&T and T-Mobile to provide customers with NFC-based mobile payment options. Vantiv’s full press release follows after the break.
  • Vantiv Introduces Next Generation Mobile Payment Solution Teams with Verizon to Develop and Deliver More Flexibility and Opportunity for Merchants to Grow Their Businesses CINCINNATI, Jan. 31, 2012  — Vantiv, LLC (formerly Fifth Third Processing Solutions, LLC), a leading integrated payment processor, today announced that its customers will be the first to use an innovative point-of-sale device and system that will help merchants more effectively conduct business.
  • Vantiv is conducting a field trial of a new mobile payment solution developed in collaboration with Verizon. The new solution is architected on the Android operating system and features end-to-end, secure point-of-sale payment capabilities and business applications using Verizon’s Private Application Store for Business. As a result, Vantiv customers can tailor point-of-sale applications to meet their needs while taking advantage of remote device management.
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  • Whether service professionals are meeting with customers at home or sales associates are interacting with visitors at a retail location, the new Vantiv solution is part of Vantiv’s overall strategy to address customers’ growing mobile payment needs.
  • “Merchants and consumers are seeking greater mobility, control and timely access to data,” said Bill Weingart, Chief Product Officer, Vantiv. “We’ve teamed with Verizon to combine our payment and security expertise with Verizon’s ability to tailor development of mobile technologies to address those needs.”
  • The Vantiv mobile payment solution serves merchants who require mobility, convenience and security and addresses many business needs through a value-added suite of applications including accounting, payroll, workforce management, loyalty, inventory and customer relationship management (CRM). Having complete business control in a packaged, intuitive and flexible platform is a significant differentiator in the realm of tablets, and allows merchants to conduct data enriched customer interactions and transactions, anytime and anywhere.
  • JKrete Supply in Mason, Ohio is among the first Vantiv customers to participate in the field trial.
  • “This technology gives me more flexibility and makes it easier to serve my customers,” said Jay Rhoden, Owner, JKrete Supply. “Having the option of being mobile takes my business to a whole different level. I have everything I need at my fingertips. I can sell my products anywhere I go at any time. Vantiv tailored this product to meet my needs; it is clear they listened to customer demand.”
  • “Verizon, through our Private Application Store for Business, is leading the charge to work with innovative companies to develop industry-specific mobile solutions,” said Chandan Sharma, Vice President and Global Managing Director of Verizon’s financial services practice. “The ability to customize enterprise tablets and applications has been characterized as a potential ‘game changer,’ and we look forward to working with Vantiv and its customers to advance the playing field for mobile commerce.”
  • The capabilities were featured in a Tab Times article “The 10 most important tablet trends, products, and stories at CES 2012.”
  • For more information on Vantiv and to view more information on the Vantiv mobile payment solution visit us at www.vantiv.com .
Marc-Alexandre Gagnon

Obama, Romney Campaigns Adopt Mobile Payments For Donations | Gadget Lab | Wired.com - 0 views

  • “Eventually we want to make a version of the Obama Square application available to everyone from within the App Store,” Katie Hogan, an Obama re-election campaign spokesperson told The New York Times. “Someone who is a supporter of the campaign can then download the app, get a Square attachment and can go around collecting donations.” The app will collect information such as the donor’s name, address, occupation and employer.
  • A representative of Republican presidential hopeful Mitt Romney told the Times that Romney’s campaign will begin beta-testing Square during Tuesday’s primary election in Florida.
  • “We’re going to be testing it in Florida tomorrow night to see how it works and then hope to roll it out to the rest of the country,” Zac Moffatt, the Romney campaign’s digital director said. “Anything that reduces the barrier to donate is going to help us with our supporters.”
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  • The Obama campaign and administration has embraced technology to a much greater degree than most past presidents, and is also leveraging social media, a tool that wasn’t even available prior to the George W. Bush administration. In 2008, Obama complemented his presidential campaign with an iPhone app in order to help voters learn more about the then-senator. After he was elected, the president then began posting regular YouTube fireside chats, harkening back to FDR’s radio-transmitted fireside chats during the Great Depression. Most recently, Obama even took part in a Google+ Hangout.
  • Square had this to say about politicians jumping on the Square train: “Whether you’re a Republican or a Democrat, running for president or local assembly, Square makes it easier than ever for candidates, organizations and volunteers to fundraise for their cause.”
  • Although Square has been used for fundraising in political campaigns before, this is the first time it’s been implemented on a national scale.
  • We’re about 10 months away from the presidential election, and grassroots fundraising is kicking into high gear. For the first time ever, smartphone-enabled mobile payments are playing into fundraising schemes, both for Republican and Democrat presidential hopefuls.
  • Both the Obama and Romney campaigns will be using the Square iOS payment dongle to process campaign donations during canvassing efforts. In fact, the Obama administration announced Monday that it would be using the Square mobile payments platform with its own personalized Obama Square app.
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

Android towards Realism and Kinecting again! [16May11] - 0 views

  • Adding realism to AR by using real world surrounding information (HDRs panoramas, IBLs) is a thing we all want to have sooner than later! We have seen a cool demo of Suomi’s VTT on this, where they fake the surrounding information using the background and scanning a ping pong ball for lighting information. Now we have another candidate porting a similar approach to our beloved mobile devices. The paper of the University of Münster (Germany) has been published already in 2004 (titled “Virtual Reflections for Augmented Reality Environments”), but now it’s time to hit the mobile world with it!
  • If you are interested in some tech talk, please read on! :-) Their approach can create CubeMaps for all reflective or lighting purposes in real-time using only the information from the background video frame: they not only flip and stitch the frame six times and mirrored together, but do a pretty smart estimation, that yields in plausible neat-looking reflections (although obviously fake): they project six regions of the background frame (see below) onto the new six sides of a Cube. The general idea is to have reasonable regions to map from
  • This way they get to simulate glossy and diffuse reflections already. Lighting/shadow influence will probably be the next step, since the CubeMap is already there…
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    Has a video demo
D'coda Dcoda

why i don't like "augmented reality" » Cyborgology - 0 views

  • i have a few complaints about the use of “augmented reality.” the first is primarily semantic. it seems (to me at least) like the term it implies some kind of (pre-digital?) “non-augmented” reality. this is more or less explicit when we refer to things like “augmented revolution” or “augmented conference.” it seems like the idea of augmented reality was introduced to make a point against a false binary (“digital dualism”) and i agree that this is important, both academically and in real life (see what i did there?). but i think the way we talk about augmented reality is sneaking a version of that binary back in. not the naive real v virtual but maybe something like real v “real+” and i think that is a mistake. and it is a strange mistake to read here, on a blog called “cyborgology” that proclaims (rightly i’m sure) that we have always been cyborgs. our friends from sst especially, i think, are sensitive to how reality has always been “augmented” if we are paying attention. so quoting sst hero latour:
  • If we wanted to project on a standard geographical map the connections established between a lecture hall and all the places that are acting in it at the same time, we would have to draw bushy arrows in order to include, for instance, the forest out of which the desk is coming, the management office in charge of classroom planning, the workshop that printed the schedule that has helped us find the room, the janitor that tends the place, and so on. And this would not be some idle exercise, since each of these faraway sites has, in some indispensable way, anticipated and preformatted this hall by transporting, through many different sorts of media, the mass of templates that have made it a suitable local—and that are still propping it up.* and he goes on for literally pages. he starts on p 200 (where the quote is from) and ends somewhere on p 203. then he picks it up again on p 206 with more. by 207 he is talking about the “plug-ins”, “patches” and “applets” that actors in a lecture need to make sense of what is happening. and cyborgs:
  • As we have witnessed so many times throughout this book, information technologies allow us to trace the associations in a way that was impossible before. Not because they subvert the old concrete ‘humane’ society, turning us into formal cyborgs or ‘post human’ ghosts, but for exactly the opposite reason: they make visible what was before only present virtually. In earlier times, competence was a rather mysterious affair that remained hard to trace; for this reason, you had to order it, so to speak, in bulk. As soon as competence can be counted in bauds and bytes along modems and routers, as soon as it can be peeled back layer after layer, it opens itself to fieldwork.
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  • so what has changed, latour argues, is not reality but rather our ability to trace reality. so i guess in that sense what i want us to start talking about now is an augmented sociology instead of an augmented reality, but that is maybe a topic for another time.
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    Suggests a term "augmented sociology" rather than "augmented reality" since what has changed isn't reality but rather our ability to trace reality.
Dan R.D.

The Shrinking of the Non-Social Web [23Jun11] - 0 views

  • Online video is exploding, with annual user growth of more than 45 percent. Mobile-device time spent increased 28 percent last year — with average smartphone time spent doubling. And social networks are now used by 90 percent of U.S. Internet users — for an average of more than four hours a month.
  • Every venture capitalist, Web publisher, and digital marketer is hyper-aware of these three trends.
  • What replaces the declining searchable Web is a new and “fully connected” digital life. You may have heard this before. After all, the promise of the Web was to connect pages with hyperlinks. Well, this time, “connected” means much more. It means the Web connects us, as people, to each one of the individuals online; and those connections, ultimately, extend from one of us to all of us.
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  • Now, the Web knows who we are (identity), is with us at all times wherever we go (mobile), threads our relationships with others (social), and delivers meaningful experiences beyond just text and graphics (video).
  • But social discovery builds a relationship. Leveraging social endorsements and an environment of serendipitous discovery, consumers meet publishers in a meaningful context. As a result, the relationship that forms is stronger — and, more importantly for publishers, it’s branded.
  • SEO’s strategic value is quickly fading as Google’s growth slows and its prominence in distribution slides away. In its place, Facebook has become the wiring hub of the connected Web — a new “home base” alternative to Google’s dominance of the last decade.
  • The old searchable Web is crashing; while the new connected, social Web is lifting off. The implications for publishers are massive.
  • The greatest innovators in social media are driving exactly along that edge today. As one friend commented recently on the full potential of connected lives, by being joined more closely together, we can increase empathy and meaning, while decreasing isolation.
Marc-Alexandre Gagnon

How Amex, Foursquare, and Others Advanced the Digital Wallet in 2011 | ClickZ - 0 views

  • The so-called digital wallet made important strides in 2011, sometimes eliminating the logistical need for paper vouchers, mobile apps, QR codes, and even cell phones.
  • At times this transition seems to be sneaking up on us. Earlier this month, thousands of merchants nationwide didn't know they had gained foot traffic and sales thanks to American Express and Foursquare. Amex rewarded consumers who synced their credit cards with their Foursquare accounts with $10 back if they spent the same at local businesses after checking in with the geo-social app. That effort followed up a successful post-Black Friday stint dubbed "Small Business Saturday," when Amex users checking in on Foursquare could get a $25 credit if they spent $25 with a local merchant.
  • Jake Furst, a business development director at New York-based Foursquare, said there was little to no organizational outreach to local businesses. "The merchants didn't necessarily know what was happening as we drove customers to their locations," he explained. "Small Business Saturday was a huge success. We got a ton of interest from Foursquare users and Amex card holders that didn't know about Foursquare yet."
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  • While the aforementioned offers have expired, merchants can set up new Foursquare check-in deals via Amex's "Go Social" self-service center for SMBs.
  • Here's how the Amex-Foursquare marriage works for consumers: Sync Amex card with Foursquare account online. Check in at a location. Tap a "redeem offer" button. Pay with Amex card. Get a Foursquare push notification about the money-back reward (see image) within moments after the card is swiped by the merchant.
  • Swipely has begun working with 150 merchants in Boston, its launch market. The start-up offers consumers the chance to sync a credit card to its loyalty program. From there, whenever they spend money at a participating merchant, they can receive a reward or discount. Swipely supplies local businesses with point-of-sale signage and materials to promote the program.
  • Angus Davis, Swipely CEO, said his product should attract consumers and businesses alike because of its usability. There's no need for a smartphone app, much less a printed voucher, he said, in order for shoppers to get rewarded for retail store visits.
  • "Consumers don't have to change the way they behave in order to check in," Davis said. "Nor do they have to change the way they pay by scanning a QR code [or] using newfangled technology. Our program employs technology that everyone already has and uses."
  • He added, "For the local merchant, the program doesn't require any changes in the store. They don't have to upgrade hardware, install software, implement any special cards, or re-train their staff."
  • The 33-year-old CEO said his company would expand to New York, San Francisco, and other major cities in the first half of the upcoming year. "I do think that 2012 is a very ripe time for disruption," Davis said, "especially as the payment space interacts with Main Street merchants."
  • Other noteworthy developments as digital wallets came into focus during 2011: March/April:Groupon and LivingSocial launch "GrouponNow" and "Instant Deals", respectively, which allow consumers to buy time-sensitive offers with one click on their smart phones. To use the mobile commerce feature, users need to input their credit cards into their daily deals accounts. May 9: Scvngr struck a partnership with American Express to make redeeming LevelUp deals easier for consumers. Amex members who buy the deals need only use their cards while making a purchase to get the discount. As is the case with Swipely, it's not necessary to show the store clerk a paper voucher, barcode, or message on a mobile screen. May 26: Google introduced Google Wallet, which lets consumers pay for Google Offers and other items through their Google account. The Wallet mobile app works with credit card users for Citi, MasterCard, and First Data. Aug. 1: Verizon partnered with Amex to serve as the mobile carrier's digital wallet platform. The telecom was one of the first in its competitive space to create its own digital wallet.
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