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Marc-Alexandre Gagnon

CES 2012's Big Sleeper: Near Field Communications - Mobility - Mobile business - Informationweek - 0 views

  • NFC, the technology running behind Google Wallet and many mobile e-commerce applications, lurks in many of the smartphones on display at CES. But mobile commerce isn't the only reason that NFC deserves your attention.
  • the most potentially disruptive technology has so far gotten precious little coverage. I'm talking about Near Field Communications or NFC. Didn't get your pulse pumping? What if I told you that NFC is the technology behind Google Wallet and every other mobile e-commerce technology, and that it's likely to be built into a good many of the higher end smartphones shown at CES? If you believe industry watchers, there'll be about a half billion phones sold with the technology between now and 2015.
  • NFC can be used for a lot of things, and payment is just one of them. The close proximity technology can also be used to see specs and other details on retail items. As stores like Best Buy move to compete with Amazon on price, you can bet that this technology will be used to replace the pimply faced kid who actually knows a surprising amount about whatever it is he's selling. It could also be used to assure the lowest prices for price conscious consumers.
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  • There are non-retail uses too. This could finally be the technology that lets us exchange business card info without the card. You could pay tolls or get information from governmental agencies. Wouldn't it be nice if Mount Rushmore told you all about its sculptor Gutzon Borglum, or that it took 12 years to complete?
  • Of course the first concern for such communications is security, and there's plenty to worry about with NFC--not the least of which is that the standard doesn't presently encrypt transmissions. Nonetheless, all the major phone, credit card, and carrier vendors and a good number of governments are setting to trial the technology in 2012. NFC is one to watch.
Marc-Alexandre Gagnon

Does Facebook hold the future of mobile payments in its hands? - Mobile Commerce Daily - Payments - 0 views

  • With more than 200 million mobile users, Facebook and its currency platform Credits is poised to be the future of how we pay for both virtual and physical goods.
  • Right now there are various different technologies and start-ups actively looking at ways to penetrate the mobile payments market. Each company has taken a different approach, from digital bar codes to near field communication (NFC).
  • Introduced in May of 2009, Facebook Credits was originally designed as a virtual currency to allow people to make purchases within games and non-gaming applications on the Facebook platform.
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  • Much like Apple with iTunes, Facebook takes a 30 percent cut on every dollar spent through the Credits platform.
  • Today users can buy Credits with 15 currencies, including U.S. dollars, Euros, the British Pound and the Venezuelan Bolivar.
  • It is important to first highlight, that for any mobile payments system to work, consumers will need to open some form of application to allow users to connect the phone to complete the payment. 
  • To date, Facebook sees over 200 million unique users accessing the social network through a mobile devices each month.
  • Almost all of the major brands who would adopt mobile payments in the beginning (i.e. Best Buy, Gap, Target) have invested heavily into growing a Facebook presence. It is this ability to connect to users and their social graph through a Facebook payment option that makes Credits and mobile payments an attractive model.
  • From this point, it is Facebook’s network that makes its payment option so attractive. As I scan my phone to finalize my purchase, I am presented with the option to share this purchase with my friends. Selecting yes, opens up an additional discount for my friends and I. From there my friends have the option to use the promotion through Best Buy’s ecommerce page or on location.
  • For now, Facebook prefers to play down talk of its broader ambitions for Credits. The 30 percent tax Facebook imposes on those who accept Credits might be too high to allow for the regular sale physical goods and services.
  • Other big players include PayPal who has more than 81 million active registered accounts and 210 million accounts, in 190 markets and it supported 24 currencies.
  • One factor that is definite is the speed at which small business will adapt mobile transactions.
  • Probably an even bigger player is Apple and its 100 million iTunes users. The iPhone is set to be the main phone to drive mobile payments, even if other phones offer these features. But one thing is for sure: the mobile (social) payments market will be fragmented for the first few years and Facebook is easily in the position to come out victorious.
  • While analysts feel 2011 is the year for mobile payments, there is still uncertainty of how quickly consumers will move their wallet to a digital format or what platform they will use. 
  • Google, with its Google Checkout and Android phones is also set to be a big player. With NFC technology being implemented on all future Google phones, we expect a mobile payment app preloaded on these phones. 
  • Third-party companies such as Bling Nation and Square to name a few win over merchants by cutting the transaction process fee by as much as 50 percent. With consumers swiping their debits cards more so than ever, this is a huge savings for any company.
  • Additionally, the three major U.S wireless carriers, Verizon Wireless, AT&T and T-Mobile partnered with Discover Card to form a mobile payment company called “Isis,” a venture to provide mobile payment carrier billing solution for payments.
  • The closet form of mobile payments in the U.S. that can be utilized nationally is the Starbucks digital gift card. 
  • While this option only applies to Starbucks stores, consumers can now makes purchases by scanning their phones.
  • The biggest challenge, currently keeping mobile payments from going mainstream is technology adoption. 
  • Not only do consumers need to carry a phone that has the correct technology, retailers also need to implement technology that connects with the phone.
  • Other challenges that could cause slow growth are the number of companies attempting to break into the space. 
  • From small start-ups to large tech companies such as Google and Apple, many consumers could be slow to adopt as they wait it out and see which platform becomes widely adopted.
  • To truly accelerate growth, we believe a large company needs to step up and look at the opportunity as a way to break into the $6.2 trillion retail market by covering the costs of technology adoption.
  • One player who is seen to have this ability is Apple. 
  • As the largest tech company in the world, rumors have come up, that Apple will implement NFC technology into the next generation iPhone 5 and with 100 million users already connected through iTunes, giving away the retail technology to scan mobile payments could be a quick way to gain accelerated usage.
  • Though it cannot be applied to all of your purchases, Starbucks seems to be the furthest along, allowing customers to purchase digital gift cards that can be scanned at all Starbuck locations nationwide.
  • To help accelerate growth, implementing a rewards program will draw more consumers to try the new payment platform.  This option to collect and track rewards is one of the key features that have helped Starbucks see quicker adoption.
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.

Klip Video App Raises $8.5 Million - 0 views

  • CNET reported that Klip was the fastest mobile video app to reach 100,000 downloads.  Founder Alain Rossmann believes Klip is creating new form of communication. "Mobile video is essentially emerging as a new communication medium," he tells us.  "Phones are in pockets all the time, they have incredibly good cameras and good networks, and all of those things create a dialogue among users that is really mediated through mobile video.
Marc-Alexandre Gagnon

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

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

Know the Flow - Socializing Content - 0 views

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

Twitter and the Global Brain - 0 views

  • In fact, judging by Twitter’s Trending Topics, the re-tweeting process does not point to either good, or important content. Of course, it may not be right to assume that a global brain will be smarter, and real significance will be lost in the tsunami of celebrity drivel.Amplify’d from docs.google.comBut recent evidence in neuroscience shows the truth is actually an interested twist on this idea - a twist that could have important implications as a model of how global consciousness could emerge from real-time social media like Twitter.In reality, synapses are modified according to a rule called Spike Time Dependent Plasticity (STDP).   In a nutshell, STDP says that if two neurons fire (= spike) in rapid succession, the  connection from the one that fires first to the one that fires second will be strengthened.users could be automatically steered towards following folks who are the first to post content that will interest them - towards those who are considered the ‘thought leaders’ you might say.  And content creators who work hard to be the first to find and tweet interesting content will be rewarded automatically with a growing list of followerscontent generators on Twitter will compete to be the first to create good content or break important news
D'coda Dcoda

The cloud and the future of the Fourth Amendment [April10] - 0 views

  • Colorado, defending Yahoo against attempts by the federal government to obtain the contents of Yahoo Mail messages without first obtaining a warrant. One month earlier, the Justice Department filed a 17-page brief arguing that Yahoo Mail messages do not fall under current statutory protection because, once opened, those messages are not considered to be in “electronic storage.” The privacy coalition—which included Google—came to Yahoo’s defense, arguing that users with e-mail stored in the cloud have a reasonable expectation of privacy in the contents of that e-mail, and should thus be protected from warrantless searches by the government. (Hopefully the irony of Google opposing robust searches is not lost on Google’s attorneys.) Unfortunately, the protections afforded by the warrant requirement have not yet been fully extended to the digital “cloud.” This handy metaphor for the ethereal Internet as a storage and access hub is coming to have other implications: can we really conceal our data inside this cloud, shielding it from government intrusion? Read more at arstechnica.com
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    Good article, do you expect to have a degree of privacy concerning your data in the cloud?
D'coda Dcoda

Training - Virtual Team Builders - 0 views

  • It’s Your Problem, So What Are You Going To Do About It” 3 Ways to Communicate More Effectively With Your TeamThe Four Powerful Keys to Virtual Team Success Creating virtual teams is not challenge-free. Why? Imagine trying to communicate effectively with people you have never met and whose personalities you are not familiar with. If this hurdle is not overcome, establishing successful virtual teams can be extremely frustrating.
  • The Secret to Being an Effective Virtual Team How do you foster communication and collaboration when project members are geographically dispersed? An effective starting point is the creation of a team operating agreement. Virtual Teams Generate Real Sales: How To Save Money And Generate Revenue Without Leaving Your ChairBusiness Continuity in a Crisis Environment Is your business capable of surviving a crisis situation? Will you be able to manage your staff for an effective return to “business as usual”? With some foresight and careful planning, the worst storm can be weathered. “Virtual teams” offer a compelling way to offset potential risks.
  • Read more at www.virtualteambuilders.com
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    good for a how to tag
D'coda Dcoda

Virtual Teams - tips for successful meetings [13Jan10] - 0 views

  • Use your meetings for decision making and exchange of ideas rather than routine updates. Instead, email or post the updates ahead of time so people can read through them prior to the meetingMeetings should be no longer than 90 minutes.  If meetings are longer than 90 minutes offer your team members a 10 minute breakBe realistic about how many agenda items can be covered in a meetingAt the end of each meeting discuss what worked, what did not work, what could be improvedIf possible, rotate roles-scribe, timekeeper and facilitatorHave multiple presenters. The change of voice and pitch can help keep people engagedAgree to start and end on timeRead more at virtualteambuilders.wordpress.com
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    probably good for a "how to" tag
D'coda Dcoda

Cloud Gaming [5May10] - 0 views

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

PR and Ethics in the Battle for Location-based Data [25May11] - 0 views

  • Micro-targeted ads were only the first step; now companies can easily link anyone's social media profile to their web-browsing habits, and sell that information to anyone who's interested. Google, Apple, Facebook, Microsoft, and others are, predictably, jockeying for lead position
  • Transformations of this magnitude are never confined to the market. Eventually, they spill over into the realm of politics and society. It's a familiar pattern: new technology enables new business practices. These practices, in turn, raise important social, political, and
  • Transformations of this magnitude are never confined to the market. Eventually, they spill over into the realm of politics and society. It's a familiar pattern: new technology enables new business practices. These practices, in turn, raise important social, political, and legal questions
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  • Facebook clearly understands that the media and public opinion form part of the competitive playing field. But they seem to have forgotten Business Ethics 101: Don't do anything that you'd be embarrassed to see on Page 1 of the Wall Street Journal or the Financial Times. That's not just good ethics advice; it's good PR advice, too. Rosanna Fisk, chief executive of the Public Relations Society of America, commented that Facebook's actions were "unethical and improper," adding that the affair had become a "PR nightmare."
D'coda Dcoda

Orange customers can now pay for goods in UK stores with their mobiles [21May11] - 0 views

  •  
    today, Orange and Barclaycard officially launched 'Quick Tap', which is the UK's first contactless mobile phone payments service. The service is designed for small purchases of under £15, and contactless readers will be available at over 50,000 UK stores. You'll know that a store has the special reader when it displays the contactless payments symbol, and Pret A Manger, Eat and Subway are among the outlets to have signed up already. Quick Tap uses a secure SIM-based approach to mobile payments, and Orange customers will require a 'Quick Tap' enabled handset. The scheme launches with a Quick Tap enabled version of the Samsung Tocco Lite, and the device will be available on pay as you go and pay monthly price plans. More handsets are expected to follow from a selection of manufacturers. Barclaycard, Barclays debit or Orange Credit Card users can transfer funds of up to £100 simply and securely onto the handset's Quick Tap app, after which the phone is ready to make payments of £15 and under in a single transaction.
Jan Wyllie

Next time with feeling - Sentiment Analysis hocum [20Jun11] - 0 views

  • The data that twitter can supply is good for basic mentions, the basic smell of the situation - just not it's meaning -good/ bad, action required, not required. It's a canary in the mine, but it can't tell you what gas it is. This what many brand/ marcomms research dashboards supply - but many aren't optimised for the 'now take action' moment - they are mostly like webcams of rivers - an ongoing situation goes on. What does work is smart , linguistics trained researchers, alerted by flagged moments in data inputs, then raking through data/ tweets to find meaning. Machines are useful for sorting these out but real meaning comes from human analysis still. Your engineers could help by writing some scripts that help the sifting/ alerting. Everywhere data is used for analysis, a human is required for the real interpretation. The robots just aren't that smart yet.
Dan R.D.

Million Moms Challenge Launches Educational Alternative to Farmville [22Sep11] - 0 views

  • Wednesday at the Social Good Summit, ABC News correspondent Juju Chang announced a new Facebook game aimed at educating people about maternal health.
  • The game, which is a piece of the larger Million Moms Challenge initiative launched earlier this week by ABC News and the UN Foundation, is called 1000 Days and guides players through a series of educational mini games that teach about things such as proper diet, breast feeding and government regulations.
  • users are presented with opportunities to connect with outside organizations in the maternal health space for additional information.
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  • According to Chang, better nutrition in developing nations can boost economic productivity by 3%. Beyond the Facebook game, the Million Moms Challenge brings together hundreds of so-called “mommy bloggers” and connects them with NGOs working on improving maternal health to help spread awareness and raise money for the issue.
Dan R.D.

"The Internet of Things" is the new Sorcerer's Apprentice [24Aug11] - 0 views

  • In Disneys Fantasia, Mickey Mouse as the Sorcerer's Apprentice brings to life everyday objects such as brooms and buckets to help him with his tasks of cleaning - what starts as a good idea ultimately ends with terrible results as he fails to be able to control them.Whilst Mickey may have gotten out of his depth, this thinking of everyday objects being brought to life isn't just a fantasy.
  • Obviously not in the literal sense we see in the Sourcers Apprentice (although that would have been great!), but more in the sense that previously in-anmiate objects can now start to record their activities. Termed the "Internet of Things" this was discussed in part by a talk at DICE by Jesse Schell about gamification and how this may extend into everyday items and tasks. (The video is really worth watching if you haven't previously seen it)
  • What Jesse discussed in terms of earning points for brushing your teeth has now been enabled by start-up Green Goose. Using a combination of intelligent stickers or product add-ons, Green Goose claims to be able to track any activity, from cleaning your teeth to drinking a class of water.
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  • Internet of Things pioneer, Kevin Ashton said of this:-The problem is, people have limited time, attention and accuracy—all of which means they are not very good at capturing data about things in the real world. [...] If we had computers that knew everything there was to know about things—using data they gathered without any help from us—we would be able to track and count everything, and greatly reduce waste, loss and cost
  • The challenge for both brands and consumers will be the same as that faced by the Sorcerer's Apprentice - once we start providing/collecting this information, can we keep control of it, manage it and get the best benefit from it... or will it simply overwhelm us.
Dan R.D.

Ex-AdMob Employees Make Paying for Things on the Phone a Snap - Tricia Duryee - Commerce - AllThingsD - 0 views

  • Card.io, which was founded by Mike Mettler and Josh Bleecher, has raised $1 million in seed funding.
  • Card.io is focused on solving a specific part of the mobile payments business — buying things with a credit card on the phone, whether it’s digital goods, like a song, or physical goods from a site like Amazon.
  • Rather than having to type in the credit card number, users just hold a credit card up to the phone’s camera, which automatically reads the card information and enters the appropriate data.
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    looks like a sensible mobile payment solution to me. 
Dan R.D.

Mobile payments worth $670 billion by 2015 [05Jul11] - 0 views

  • Mobile payments have taken off in the last few years, and are now poised to grow from $240 billion this year to $670 billion worldwide in 2015, according to Juniper Research. Fueled in part by the nascent near field communication (NFC) market, which is expected to be worth $50 billion by 2014, the overall mobile payments market is also expected to rise quickly thanks to mobile ticketing, money transfers and purchases of physical goods. Mobile payments are more reliant right now on digital goods purchases, which is expected to double by 2015 and will account for 40 percent of the market. But the faster growth will occur with NFC, which can be used in retail and merchant locations to buy physical items. Juniper said 20 countries are expected to launch NFC services in the next 18 months.
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