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Google is finally opening up its near field communication payment system, Google Wallet, today to the public, allowing Nexus S users on Sprint to try out contactless payments through their smartphone. It’s a little later than originally expected and again, with only one handset that supports it, Google Wallet is just the first step in a long process.

But it’s a significant one that begins a much broader effort by Google to change both the way people pay for goods in the real world and interact with merchants and retailers. Toward that end, Google announced today that it has struck deals with American Express, Visa and Discover so their cards will also be integrated into future versions of Google Wallet. Initially, Google Wallet launched with MasterCard as its first partner. But now, banks that issue cards through Visa and Discover will soon be able to load up their accounts directly on to Google Wallet.

For Google, the wallet initiative signals a new opportunity to market deals and discounts to consumers and allows merchants a new way to reach consumers and strengthen their relationships with them through discounts and loyalty programs. And it enables them to close the loop on transactions, so they can see how effective their marketing is.

Michael Abbott, the CEO of carrier-backed mobile payments joint venture Isis, has an interesting take on rival Google Wallet: "It's the best thing that could happen."

That's not the sort of thing you would expect to hear from the head of a venture that is planning to roll out its own mobile-payment system, designed to allow consumers to tap their phone on special terminals to pay for goods. Abbott, however, holds a longer-term view of the business, and believes that the entry by multiple parties is a good thing. It generates greater consumer awareness, stirs the various retailers, carriers, handset makers and banks into motion, and generally gets the debate about mobile payments flowing. He doesn't believe there will be any clear-cut winners or losers, and expects to see many options for consumers.

"There will be multiple solutions out there, and none of them are wrong," Abbott said in an interview with CNET, noting that "competition is what this space needs."

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?

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.

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.

In the tradition of much post-Modern theorizing, “augmented reality” offers a new conceptual paradigm, seeking to implode/queer/do category work on the real/virtual dichotomy and make room for a more flexible understanding of social media that allows for recursivity between these two concepts.  A person embedded in augmented reality is a cyborg in the Harawaysian sense.  For this reason, the editors of this blog have proposed – somewhat tongue-in-cheek – that our research is best understood as “cyborgology.”  In augmented reality, the culture is hyper-literally super-imposed on the material.  Our bodies and all other objects in the world become canvases for the digital and its rapid circulation of signs and symbols.  In Bauman’s term, everything becomes a conduit of Liquid (post-)Modernity.  However, the symbolic order expressed through the digital does not emerge out of nothing; it is a reproduction or extension of what has always existed.  The digital and material are always in circulation and neither can be abstracted from the new order of social relations.  That is to say, society is neither online or offline; it is augmented.  Thus, augmented reality and the cyborgs who populate it are now the proper objects of sociological inquiry.

three distinct perspectives perceive the Internet as either virtual reality, mediated reality, or augmented reality.  I argue (in the spirit of Saussure) that these three perspectives are only fully comprehensible defined in relation to one another.

"Facebook has done well with the Friendster patents and patent applications that it acquired. Just last week, a patent application for passing personal info between users based on degrees of separation became public. Now, thanks to the Friendster IP purchase, Facebook pretty much owns the technology for publicly identity-tagging digital media of any sort in a database."

For the emergent generation of adolescents and pre-adolescents, at least in developed economies, constant high-speed internet access and online networking have become the very air they breathe. A new study, however, has some cautionary advice.The study, published in Acta Paediatrica, has renewed concerns about how digital life has led children off the playground and into the computer room… permanently. The study concludes that the average 10-year-old today

For the emergent generation of adolescents and pre-adolescents, at least in developed economies, constant high-speed internet access and online networking have become the very air they breathe. A new study, however, has some cautionary advice.

The study, published in Acta Paediatrica, has renewed concerns about how digital life has led children off the playground and into the computer room… permanently. The study concludes that the average 10-year-old today is far weaker physically than his counterpart just a decade ago. His arm strength has fallen by 26%, he can do 27% less sit-ups, and he is less likely to be able to hold his weight hanging from a bar.

Last year, he co-founded (with Ed Lucero) a company called Tackable to develop his ideas, and in February, we described here Tackable’s first product: a pair of iPhone apps that Tackable envisions as the basis for a social network that “organizes media on a map.” Now Tackable has rolled out, in partnership with the newspapers of the Bay Area News Group, something much more complex and ambitious: an iPad app called TapIn BayArea, which Stangel describes as “the world’s first location-aware digital newspaper.” TapIn, at launch, is already an impressive, sophisticated product that shows potential to evolve in multiple ways. And its ability to engage users at various levels bodes well for its capacity to generate revenue.

a new study conducted and released by Latitude, a technology research consultancy, published in collaboration with ReadWriteWeb. The study’s main takeaway message: “kids are predicting that the future of media and technology lies in better integrating digital experiences with real-world places and activities. They’re also suggesting that more intuitive, human-like interactions with devices, such as those provided by fluid interfaces or robots, are a key area for development.”

Researchers scored the kids’ inventions on the presence of specific technology themes, such as type of interface, degree of interactivity, physical-digital convergence and user’s desired end-goal.

The Digital vs. Physical Divide is Disappearing: Children today don’t neatly divide their virtual interactions from their experiences of the “real world.” For them, these two realms continue to converge as technologies become more interactive, portable, connected and integrated.

As with all things Internet, the future of mobile payments is going to be fragmented, making the promise of a digital wallet on your phone a lot less exciting. Having a phone act as a credit card makes things faster, more convenient and might even lead to more bargains. But the way things are panning out, only people who meet very specific cell phone, bank, and credit card company criteria can join in on the fun. Just today, Verizon blocked Google Wallet from its phones, reports The Wall Street Journal's Amir Efrati and Anton Troianovski. So for those with multiple credit cards, or without a Citi Master Card, Google Wallet can't replace a wallet, giving it a major utility handicap.

As of right now, Google's mobile payment tech only works on Sprint phones with Citi Bank Master Cards. That applies to a very specific set of people. Of course, Google doesn't have the only digital wallet replacement out there. For everyone else, there's Verizon, who has teamed up with T-Mobile and  At&T to work on its version, Isis, which will begin trials next year, note Efrati and Troianovski. And Visa too is apparently in the works for its own mobile payments system, they add. We also can't forget third party apps like Square, Venmo and ZipPay, which allow users to pay others who have the app using stored credit card information. This almost works as a replacement for the wallet, and would theoretically work better than Google Wallet, if only every single place everywhere accepted Square payments -- but they don't. 

So we have two types of fragmentation happening in the mobile payments world. With these "wallet" payment systems, like Google Wallet and Visa's mystery service, the service is only as useful as having that single credit card. And then the system is fracturing on a retailer level. Even with Google Wallet, only stores with the compatible card reader accept it; same with the Square-like services. While the number of retailers accepting Square has grown, as this chart posted by The Atlantic's Alexis Madrigal shows, it can't become a wallet replacement unless every single retailer has it. The same applies to Google Wallet: Not every retailer has the capabilities. Like we've seen with Netflix and streaming movies, the services are nice supplements to cable. But not yet a replacement because they all have somethings but no one has all things. The same can be applied to mobile payments. They all can be used with some credit cards and at some retailers, but we won't leave our wallets at home until we get a cord-cutting equivalent. For now, users either have to load a smorgasbord of mobile payment apps, or settle for the current half-hearted solutions. 

We just can’t give enough love to mobile payments as we watch the world move from cash to credit to cardless. Intuit is feeling the evolution too and created an infographic to explain just how much mobile payments are growing and where they’ll be in 2015.

The two biggest payment players last year were obviously credit and debit cards, with a small, but rising mobile payments only making up 5 percent of purchases executed. But important to note is that as credit, debit and other forms of payment increase, cash exchange decreases. People have long trusted plastic to deliver their currency, so why not trade in the plastic for airwaves? Well, according to Intuit, people will do just that. Cash is expected to drop to just over $1 trillion changing hands in 2015, and alternate payments jumping up considerably to $2.7 trillion, hugely surpassing cash as a trusted method of payment.

Also important to keep in mind is the proliferation of smartphones themselves. Smartphones have permeated over 40 percent of mobile users, but more interesting is the fact that this is mirrored in business owners. 37 percent of entrepreneurs also work through the smartphone, creating a level playing field for people wanting to buy and sell over the phone.

Dickson Chu, the high profile and often outspoken head of digital and mobile networks at Citi, has quit the bank to join daily deals outfit LivingSocial.

Chu joined Citi from PayPal less than two years ago with a brief to kickstart the bank's mobile payments programme. Unusually for the conservative banking industry, Chu was prepared to speak his mind and was an unashamed advocate of the Google Wallet venture.

Citi is currently the sole banking partner for the search giant's mobile payments operation, which is straining to make a mark on the high street ahead of the forthcoming launch of a rival programme by the Isis carrier consortium.

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.

The business climate, it turns out, is a lot like the weather. And we've entered a next-two-hours era. The pace of change in our economy and our culture is accelerating--fueled by global adoption of social, mobile, and other new technologies--and our visibility about the future is declining.

Uncertainty has taken hold in boardrooms and cubicles, as executives and workers (employed and unemployed) struggle with core questions: Which competitive advantages have staying power? What skills matter most? How can you weigh risk and opportunity when the fundamentals of your business may change overnight?

Look at the global cell-phone business. Just five years ago, three companies controlled 64% of the smartphone market: Nokia, Research in Motion, and Motorola. Today, two different companies are at the top of the industry: Samsung and Apple. This sudden complete swap in the pecking order of a global multibillion-dollar industry is unprecedented. Consider the meteoric rise of Groupon and Zynga, the disruption in advertising and publishing, the advent of mobile ultrasound and other "mHealth" breakthroughs (see "Open Your Mouth And Say 'Aah!'). Online-education efforts are eroding our assumptions about what schooling looks like. Cars are becoming rolling, talking, cloud-connected media hubs. In an age where Twitter and other social-media tools play key roles in recasting the political map in the Mideast; where impoverished residents of refugee camps would rather go without food than without their cell phones; where all types of media, from music to TV to movies, are being remade, redefined, defended, and attacked every day in novel ways--there is no question that we are in a new world.

DUBAI — Digital contactless payment has become more popular among UAE travellers as they prefer to make payments and seek information in a visual format on a device, according to a latest global industry study.

Around 32 per cent of UAE respondents find using their phone rather than cash or credit cards to pay for things “extremely appealing” as against 24 per cent globally, revealed a major global industry study “From chaos to collaboration: How transformative technologies will herald a new era in travel”.

Commissioned by Amadeus, a travel technology partner and transaction processor for the global travel and tourism industry, the new report outlines the way new technologies and social change will transform travel by 2020. The study challenges the industry to overcome the uncertainty and stress of modern-day travel through the application of new innovations.