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4. Offers, Offers and More Offers With the daily deals craze dying down post-Groupon IPO, mobile offers are springing up. Google Offers, Google's response to Groupon's daily deals, continues to expand and personalize its deals. It recently stepped into the mobile commerce space with an Android app. Amazon entered the daily deals space with Amazon Local. Mobile commerce isn't a part of the story, but with Amazon's hefty investment in Living Social and an infrastructure far more mature than Groupon's, Amazon may be waiting for just the right moment before really making its move. Meanwhile, daily deals superhero Groupon moved further into the location-based mobile commerce space through a partnership with Loopt. Soon after the Loopt announcement, Groupon launched Groupon Now, which inserts real-time, location-based offers into the daily deals game. Such offers are usually only available for a few hours, do not include the typical Groupon tipping point and are meant for impulsive mobile users.

5. Shop Till You Sit: Tablet Commerce Tablets are all the rage this year. A recent study by eMarketer.com predicts that one in three online consumers will use a tablet at least once a month by the year 2014. Appel iPads are positioned to dominate the tablet market until 2015. So what are people doing on their tablets? Shopping, naturally. And thus the boom of tablet commerce. Amazon.com, the top revenue-producing Internet retailer, naturally leads the pack with a strong tablet-optimized site. Couch commerce, the act of sitting on one's couch and shopping from a smartphone and tablet, saw a strong increase this year - especially after Thanksgiving dinner and on Black Friday. Amazon launched its Kindle Fire tablet on September 28. ReadWriteWeb Writer Jon Mitchell calls it a store with a screen, quite literally suggesting that its sole purpose is to be a media consumption device. As the Kindle Fire continues to gain consumer mindshare and more developers flock to the Amazon Appstore (don't call it the App Store, OK?), we expect more tablet commerce growth in this area. Shopping catalogs designed specifically for tablets will add to the tablet commerce experience. Google launched a shopping catalog app for tablets back in August. Google Catalogs, as they're called, are like "window shopping with your iPad and Android tablet." The only potential problem for retailers? Now they won't have catalog readers' home addresses on hand.

6. Location and Local Groundswell: Chicago to Des Moines to Boston and Back Again The partnership between daily deals service Groupon and location check-in Foursquare was a big one. The two got together and made it happen. Or, as the Groupon blog says, "when we think of mobile addiction beyond Now! we think foursquare, and many of you guys do, too." The idea of positioning daily deals on Foursquare as an "addiction" doesn't exactly insure longevity; rather, it signals imminent burnout. But hey, we'll forgive Groupon's marketing team - with Groupon's stock prices slumping, the company is needs to keep looking for new ways to hit up consumers. Dwolla, mobile payments system based in U.S. mobile payments capital Des Moines, Iowa, seeks to completely sidestep credit cards. Unlike its main competitor PayPal, Dwolla does not snag a percentage of the transaction; instead, it asks for a shiny silver quarter, regardless of the transaction amount. LevelUp from Boston-based SCVNGR brings location-based gaming to the daily deals space. The idea is simple: Users will receive better deals the more they use the system. Much like the "unlocking" of Foursquare badges, LevelUp users will unlock new "levels" of awesome deals with particular merchants as they continue buying. Like its competitor Dwolla, SCVNGR recently began building local mobile payments into LevelUp.

As we have been reporting, PayPal is gearing up to launch an in-store payment system that will compete with Google Wallet, Isis, Square and others. But the company isn’t just building out a point-of-sale transaction network. It’s looking to engage consumers well before they set foot in a store.

Walt Doyle, the CEO of WHERE, which was acquired by PayPal last year, said that will be a key battleground in mobile payments, pulling in consumers off the street. WHERE, which operates a location-based ad network, will be used as a way for merchants and retailers to engage consumers with deals and offers and lure them into stores, where they can check out using PayPal’s upcoming payment system. Doyle told me in an interview that the system will make mobile payments interesting to both consumers and merchants.

“If you only enforce payments without content advertising or offers, it’s simply not compelling from the acceptance side or from the consumer side,” Doyle said.

For as long as Facebook has been running its Facebook Credits program—the virtual currency that users can redeem on games and other content peddled through Facebook’s network—it has been letting users top up those Credits using their mobile phones. It does this in partnership with companies like (reportedly) Boku and (definitely) Zong, the payments company bought by eBay’s PayPal last year. Users can also top up their Credits via PayPal and credit cards.

It’s not known how much, exactly, is purchased via the mobile channel today, but it is an example of how mobile is actually already driving significant revenue for Facebook. “Facebook Credits make a lot of money through mobile phones,” enough that Zong was “growing very fast last year” because of Facebook purchases, according to Frederic Court, a partner with Advent Venture Parnters, one of the VCs that backed Zong before the eBay (NSDQ: EBAY) buy.

This is because while sometimes the mobile payments were actually more expensive than a PayPal or credit card transaction, they are often a lot quicker to do, especially if you are in the middle of a game. And, as with other mobile-based payment options, they appeal to those who don’t have or want to enter card details.

In its press release today American Express revealed explicitly that its new $100 million Digital Commerce Investment Initiative was destined to fund "early stage startups to facilitate the company's digital transformation."

Amex's Dan Schulman, Group President Enterprise Growth, spoke to Fast Company to explain the move: As far as saying that the credit card is going to evolve, Schulman noted, "It goes even further than that. Our view of the world is that all of commerce is being redefined as the world moves somewhat rapidly into the advent of smartphones and mobile payments and the digitization of information across the entire commerce lifecycle." This quick change, covered by many a column-inch in the media over recent months, means that the areas where Amex "traditionally added value between merchants and consumers" is going to "fundamentally change" and payments will only be "one part of that."

Where traditional credit card transactions were all about giving the merchant a secure and authenticated copy of those all-important 16 raised silver numbers on the face of your card, technological developments like NFC, smartphone payments and even innovations like Square and Google Wallet show that there's scope for a much richer interaction to go on at the moment of payment--something that's never been possible before.

For SMBs, managing banking and payment processes is not as easy — or as secure — as it should be. So, coming out of stealth today is a Boston-based startup called MineralTree that is looking to fix both of these problems. Tomorrow, at the Small Business Banking Conference in Scottsdale, Arizona, MineralTree will officially launch its first product: A cloud-based banking and payment solution designed specifically for SMBs.

Backing the startup in its mission to create an easy payment solution for small businesses is a cool $1.5 million in seed funding, raised from .406 Ventures, which has enabled MineralTree to develop its payments solution and make its initial hires, partnerships, and customer acquisitions. The most notable of which is the startup’s partnership with Silicon Valley Bank in Santa Clara, California — the first financial institution to implement MineralTree’s solution and offer it to its SMB customers.

MineralTree’s Accounting Manager app is a web-based add-on to the SMB’s existing accounting system that businesses can use to manage payables, including entering payment information, associate payments with backup documents, along with the ability to prioritize, recommend and submit payments to the CFO or business owner for approval.

The space for mobile payments has heated up really fast over the past couple of years. One thing that we’ve started to see more of lately are applications that focus more on peer-to-peer payments versus something that you’d use to see a business. With PayPal implementing NFC, Dwolla providing software solutions to hardware problems and Venmo firmly in between all of it, the space is getting crowded quite fast.

Funds can be added to Clover via any credit card, but not directly from your bank or PayPal.

If you want to Pay, there are 2 ways to go about it. You can either pay a contact directly, or you can create a QR code that is then scanned by another Clover user to accept funds from you. This makes it easy to split a bill at a restaurant, for instance, but it also leaves the door open to long-distance transactions. In time, according to some grayed-out options in the UI, you’ll also be able to pay via SMS or email.

Des Moines is the home of mobile payments platform Dwolla. It is an interesting case study - local startup creating buzz within the community and getting retailers and consumers to actually use the platform. Dwolla has created a mobile payments ecosystem from the bottom up.

Within a 5-mile radius of Des Moines there are 500 to 700 business that are using mobile payments through Dwolla. The company works kind of like a payments version of Foursquare. You check at the register in the store using your phone and a pre-loaded Dwolla account.

it is likely that the company will be able to partner with banks and financial institutions in the near future to go straight from a bank account to the retailer.

Strobe, an App Delivery Network that facilitates getting HTML5 apps up and running on various platforms and app stores, has joined Facebook, CEO Charles Jolley announced today.

Jolley is also the creator of the SproutCore JavaScript framework for web apps that is used to quickly build web apps in the browser. It’s used by companies like NPR, Second Story and Sports Illustrated, as well as being popular among Facebook app developers.

Before Jolley created SproutCore, he was responsible for Mobile Me app development at Apple.

HANOVER: O2 is to introduce new services in the UK in the coming months, including a wallet application and direct-to-bill and peer-to-peer payment facilities, as the company looks to take advantage of mainstream smartphone use.

The services are already available in countries such as Germany and Kenya, and will be made available to UK customers soon, according to Matthew Key, chief executive of O2 parent company Telefónica, during his keynote at CeBIT.

"Near-field communication will allow people to carry their credit card in their phone and scan transactions. This is fantastic for customers and retailers because it takes a lot of the supply chain costs out," he said.

Starbucks customers in the UK will be soon be able to walk into their local store, fire up their iPhone and pay for their orders via their Starbucks card, the company has announced.

The one-touch app, which has been available in the US since the beginning of the year, is set to launch on January 5th, allowing Starbucks card owners to link their accounts to the iPhone application and pay using the on-screen barcode in any of the 700 Starbucks locations in the UK.

It’s perfect for people that regularly travel without cash and regularly utilise their Starbucks card in order to pay for their coffee on the commute to work or when out shopping. With one in five customers already using their cards to pay for their cup of Joe, Starbucks is likely to see a rapid uptake in application usage.

Starbucks, the coffee chain, is installing a mobile payment system in the form of an iPhone app into 700 of its outlets across the UK and Ireland, following a successful US roll-out.

The Starbucks app will be available for iPhone and iPod Touch users from 5 January and allows consumers to pay for their items through their phone with the aim to reduce transaction time by around 10 seconds.

Consumers who own a registered Starbucks Card, part of the chain’s loyalty programme, will be able to link the balance on their reward card to the Starbucks app.

A slideshow here on how hospitals are using Twitter

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

India's new copyright bill sounds like a pretty good piece of work: it declares private, personal copying to be "fair dealing" (like US fair use) and limits the prohibition on breaking DRM so that it's only illegal to do so if you're also violating copyright. That means that you can break the DRM on your iPad to move your books to your Kindle or vice-versa. It also makes it legal to make, distribute and sell tools to accomplish this.

Are you a “fast zebra”??? If so, it means you have special insight into navigating informal networks, I suspect there may be herds of them racing around in social media.

former US Ambassador to the United Nations, has a term for people who can quickly absorb information, adapt to new challenges, and get people aligned in the right direction: fast zebras. They are the people who can skirt around or blast through the kind of gridlock found not only in the political spectrum, but in organizations of every stripe.The metaphor is based on the fast zebra on the African savannah who survives a trip to the drinking hole by moving quickly while slower herd members fall prey to waiting predators. Well, organizations are sometimes like the savannah; to the new-comer, they constitute vast, unexplored areas fraught with hidden dangers. The fast zebras in both contexts travel the terrain swiftly to accomplish significant goals while the naïve ones run into the predators of red tape, unaligned incentives, and unmotivated teams.A fast zebra is someone who is singularly focused on achieving performance results, knows how the organization can both hinder and help, and charts their course accordingly. In particular, they are wise about when to use the formal and rational elements of organization (such as hierarchy, processes, and monetary rewards) and when to use the informal and emotional elements (including values, networks, and feelings about the work). Read more at blogs.hbr.org

Mark Zuckerberg and his college roommates were computer science students without any real plan. They started Facebook because it was fun, used their talents, and was a novel way for Harvard students and alumni to stay in touch. Zuckerberg never anticipated it would host over 400 million members. And he had no clear idea where the money would come from. But he kept at it until, in 2007, Facebook let outside developers create applications for it, and game developers started buying ads on Facebook to keep attracting players. Hardly Zuckerberg’s strategy in 2004.And when Larry Page and Sergey Brin, founders of Google, started writing code in 1996 they had no clear plan or idea how they would make money either. But that didn’t stop them from starting. It wasn’t until 2002 and 2003 that AdWords and AdSense became the company’s money-making platform. Last week, in Don’t Get Distracted by Your Plan, I wrote about the importance of staying flexible, about the dangers of sticking too closely to your plan. But what if you have no plan? Read more at blogs.hbr.org

PC Ed Rogerson is on Twitter. He is one of about 20 or so police officers that have turned to the micro-blogging service. “It works on a far more local level than the force-wide Facebook group,” he said. “It’s local to Harrogate and our problems.” Some of his messages, or tweets, contain advice for residents. On occasion he announces an arrest. Others are just to let people know that, while they were out, the police were on patrol. “People do not see us so they do not think we are there,” he said. North Yorkshire police are among the few forces using social media. Its Safer Neighbourhood teams use it to send out messages and it has reserved a page that will soon become its presence on Facebook. “Posting a message on Twitter warning about a spate of burglaries in an area is a similar concept to pinning up a poster on the local parish council noticeboard.” “Doing either in isolation might be fine, but by doing both we can spread that warning even further.” Read more at news.bbc.co.uk

Perhaps the saddest thing about Facebook (note: I do think there are good things) is that most users seem utterly unware of the way Facebook is changing things; unaware of FB’s ever-changing Privacy settings; little idea about how expansive the recent f8 announcements could be (in fact I’d say a huge percentage of users don’t even know what the heck f8 is or what its impact may have); and perhaps wholly uprepared when their profiles and their data are streaming out in the open publicly. Most users are using FB strictly to post pictures and update their status in the literal way in which FB was designed - no sense of re-purposing the software in broader ways. On one hand, it’s great that we can all share our experiences with each other; on the other hand it’s worrying that more users aren’t educated enough about the fundamental nature of these media to make smart connections back to their own lives.

Furthermore, if Facebook becomes the primary place where people congregate, purchase, publish and share, it will become imensely important that users are proficient and savvy and creative in using it *for* their interests as citizens and not against them. The smallest tweaks in any software can have major implications in their use. Imagine if Facebook had a Hate button. I agree with Scoble: I hope we never see something like that. …But I have a feeling, there’s a Hate button hidden deep within our collective social experience and dynamics just waiting to surface its ugly head in the not-too-distant future. Recommend on Amplify                

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…

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

For more information visit http://www.researchandmarkets.com/research/f92935/global_mobile_br