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10/04/18 Freemium Collapse - Ning: Failures, Lessons and Six Alternatives - 0 views

mashable.com/...ning-alternatives ning failure web2.0 socialmedia socialnetworking opportunities
shared by Dan R.D. on 24 Apr 10 - Cached
  • ust last month, we got word that CEO Gina Bianchini had left the company. On the heels of this news came a 40% workforce reduction and a dramatic announcement from the new CEO, Jason Rosenthal:
  • My main conclusion is that we need to double down on our premium services business. Our Premium Ning Networks[...] drive 75% of our monthly U.S. traffic, and those Network Creators need and will pay for many more services and features from us.
  • We will phase out our free service.
  • ...2 more annotations...
  • There are dozens of ways to have a self-sustaining community. You can run your own ads on Ning-powered sites. You can sell swag through a Ning-powered store. You can get micropayments from your community and crowdsource the $25 per month you need to keep your network in business. But make no mistake: Even if you’re a nonprofit or a hobbyist, running any kind of website is a business. If you’re not able to pay a small fee for the resources you use, you might want to consider a free or inexpensive multi-author blog ins
  • Ning Alternatives
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Research: The Educational Value of Serious Games [11Mar11] - 0 views

seriousgamesmarket.blogspot.com/...cational-value-of-serious.html socialmedia
shared by D'coda Dcoda on 26 May 11 - No Cached
  • Literacy has evolved beyond the definition of the ability to read and write. Literacy now includes the ability to seamlessly interpret on-screen information, such as the graphics in a videogame, and the ability to rapidly decode symbols. To be effective, gamers must be able to quickly decipher each game’s symbols and conventions, which is essentially what good readers have to do in terms of deciphering the alphabetic code.
  • Serious Games are not replacing literacy activities, they ARE literacy activities.
  • Literacy specialists are just beginning to investigate how reading on the Internet affects reading skills. Students are developing new reading skills that are neither taught nor evaluated in school.
  • ...5 more annotations...
  • Educational practices need to recognize today’s participatory culture and to find different ways of delivering content. Today’s new cultural competencies include the ability to navigate across different kinds of media and to “mashup” the various media content. Games are the ideal model for combining content in different ways and incorporating problem solving. There is a need for educators need to see games as an alternate learning system.
  • Games today can be divided into entertainment and Serious Game categories. Games are getting much more realistic, and can be incredibly motivating. The use of Ggames as entertainment may be dwarfed by Serious Game applications
  • Videogames, based on the training of socially valued practices, will create an educational system in which students learn to work and think as professionals. The purpose is not to train students for these professions, but rather to provide students with an opportunity to see the world in a variety of ways that are fundamentally grounded in meaningful activity and aligned with core skills, habits, and understandings of a postindustrial society. Games will help students create representations of professional knowledge.
  • Videogames are very effective at teaching logical, consequential thinking. U.S. Army studies indicate playing videogames as much as ten hours can improve the ability to process visual information and improve overall spatial orientation skills.
  • Games involve participation in collective intelligence, and blur the distinction between the production and consumption of information. They emphasized expertise rather than social status. They promote international and cross-cultural media and communities.
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Kevin Fitchard: Nokia's new interim CTO Tirri on the concept of the "Internet of Things... - 0 views

www.theinternetofthings.eu/...%80%9Cinternet-things%E2%80%9D 5RFID_IOT
shared by Dan R.D. on 11 Jun 11 - No Cached
  • "The Invisible Internet is associated closely with the concept of the “Internet of Things,” in which a multitude of everyday objects are connected wirelessly. In such a world, not every object will have the intelligence to make decisions for itself — your carton of milk doesn’t need an advanced processor, only the ability to communicate what it is and its expiration date — but collectively they’ll create a form of ambient intelligence, allowing them to self-organize as a group. If the Invisible Internet of Things does become a reality, the Web will cease to be merely a virtual space, where people interact with one another from behind a PC or phone’s screen, and become a real space — “meat space,” if you will — where thousands of objects, both personal and public, interact with one another.
  • The one element, besides a radio, all of those objects have in common is awareness. They have to be able to sense one another as well as their surroundings. Embedding devices and objects with that kind of sensitivity probably is the smallest challenge the Internet of Things faces right now, said Henry Tirri, head of the Nokia Research Center. The core sensors needed in the network of the future already are embedded in the average smartphone today: GPS and cellular triangulation sense location; accelerometers and digital compasses sense movement and direction; digital cameras can see for the devices. Some of those sensors need to be refined, but for the most part, devices already have access to enormous amounts of raw sensory data, Tirri said. The challenge for the industry is processing that data, interpreting it and combining it with data from other sensors to make it useful. Once the technology overcomes those problems, there’s no limit to what can be wirelessly enabled, he added.
  • “In today’s world of handsets, we talk in billions; in the future, we will talk about trillions of devices,” Tirri said. “Radios and sensors will be very small. They will be in everyday devices like coffeemakers and key chains, as well as all consumer devices, but also things you wouldn’t think you’d have wireless capabilities, like chairs, tables, even your bed.”
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Can Cloud Computing Save The American Economy? [11Jun11] - 0 views

blogs.forbes.com/...ting-save-the-american-economy cloud-computing economy
shared by D'coda Dcoda on 13 Jun 11 - No Cached
  • picture a world where software platforms are available online and easily customizable. Picture a world where compute power is generated off site, available in quantities when and where you need it. And picture a world where information is safely stored, efficiently managed and accessible, when and where you need it. These are cloud infrastructures. The economies of scale, flexibility and efficiency they offer will not only save organizations massive amounts of capital and maintenance costs but emancipate them to apply and use information as never before. An unbelievable opportunity to raise productivity while creating unprecedented opportunities for businesses and workers.
  • Now picture a health-care system where a doctor has medical records at his fingertips, can see x-rays with the click of a mouse, is able to learn and apply the latest diagnostic and surgical technique from anywhere in the world. Think of the efficiencies in hospital supply chains, the delivery of prescription drugs, the processing of billing and insurance claims, reductions in fraud, and the application of best practices for cost controls. The capacity for improvement is endless.  As a matter of fact, these innovations are already being applied in isolated pockets. But for us to seize the opportunity before us it’s imperative that we move from isolated centers of excellence to connected systems of excellence. Pick any industry and systemic improvements like these are available.
  • A new age of innovation and technology advancement is within our grasp – an opportunity for job creation, greater productivity and economic growth. The time for cloud computing is now. We need government and industry to accelerate broad scale adoption of cloud infrastructures so we can reap the rewards of a true information based economy.
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Mobile Apps Must Die [24Sep11] - 0 views

designmind.frogdesign.com/...mobile-apps-must-die.html 1UE_NS apps
shared by Dan R.D. on 25 Sep 11 - No Cached
  • Too much trouble The problem with apps, and by this I mean native apps that must be downloaded to your phone, is that they are just becoming too much trouble to organize and maintain. It's just not realistic to have an app for every store you go to, every product you own and every website you visit. This creates an ever increasing set that must be curated, organized and culled. It's a common task we all perform, removing old and unused apps every few months, effectively garbage collecting our phones. Very organized folks relish the opportunity to tidy their burgeoning app menagerie but most can't bother and their home pages scroll into a receding haze of choices.
  • Movie posters with radio tags such as RFID or NFC will allow me to get an interactive version of the poster on my phone to show me more information 
  • Any consumer item, such as ketchup or milk bottles, also with radio tags, will allow me to not only get more information on these items just like the poster, but also track usage and even offer to purchase replacement items
  • ...6 more annotations...
  • Shopping malls will offer maps and hours whenever I’m there
  • Any store will have an app that I can interact with as I walk through their door
  • My local bus stop will be geo-located so all I need is my current GPS fix and I can get just the information for that specific bus stop, knowing when the next bus will arrive. While this is possible today with some fancy urban systems, deploying a geo location system allows any city to do this, across all bus lines much more cheaply.
  • A local food cart vendor will offer not only their menu but where they are going next and when they’ll return
  • An on demand rental car company, such as Zipcar, will allow me to register and drive away with one of their cars, just using a bluetooth connection on my phone.
  • Just In Time Interaction All of these concepts are of course just speculation but they represent a trend that is thundering down upon us. Each of these devices will likely need some form of interaction but only as I approach them, a “Just in time” interaction model that gives me interactivity but only when I need it.
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Building a Public Cloud for Business Continuity [25Oct11] - 0 views

www.readwriteweb.com/...ding-a-public-cloud-for-bu.php cloud legal data public community 1UE_NS
shared by Dan R.D. on 25 Oct 11 - No Cached
  • Cloud computing has been eyed for some time as a solution for business continuity needs, as the thought of setting up new virtual servers on an automated, on-demand basis seems highly appealing. But when it comes to figuring out the kind of cloud offerings that will work best for business continuity, typically private cloud options are usually the ones considered. The reason for this bias is the configuration of the virtual machines themselves. While public cloud services can afford business clients a lot of computing power in a hurry for a low rate, that combination does not always equate to a continuity friendly environment.
  • Then there are the security concerns. If you are patching your own systems diligently, is the cloud provider providing the same patched for their own base operating systems? What other kind of security protocols are in place? On the legal side of the equation, does the cloud provider meet compliance in the areas of data breach notification, data retention, auditing, and whatever other compliance regulations you need to follow? What are the local laws for the datacenter and how do they comply with your own corporate needs in terms of security?
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Gamification - Richard Baxter at Distilled's SearchLove - State of Search [25Oct11] - 0 views

www.stateofsearch.com/u-richard-baxter-at-searchlove
shared by Marc-Alexandre Gagnon on 26 Oct 11 - No Cached
  • Get Glue:
  • In their first three months, 1 million users, 100 million data points and shipped out thousands and thousands of stickers. Amazing, but how on earth are they making profit? Because it’s an advertising platform and collecting information on demographics, popularity, etc. and providing the entertainment industry with amazing data – sold.
  • SEOmoz
  • ...24 more annotations...
  • “The point system has dramatically improved engagement + contribution on Moz. We’ve grown community content 200%+ in the past 24 months.”
  • Step 1: You need points.
  • But points are meaningless without a leader board.
  • Step 2: You need a leaderboard to get people’s competitive spirit out and allow them to compare and be compared against others.
  • Salesforce does the same with Nitro by gamifying real life. Sales guys get stats to see what they’re doing well, awards them with points and badges but it also lets them compare to others.
  • We can also use game mechanics to help people learn how to use our products – Richard mentions Ribbon Hero 2 where clippy teaches you how to use Microsoft Office products. Rather than having him jump up when it thinks you need help (as was the case back in the day) you have challenges to help clippy fix his CV, etc. Your userbase is having fun and you’re helping them learn about your product.
  • Encourage users to hand over data - it makes us smarter marketers.
  • Who does this? LinkedIn with the goals and “profile completeness” – SEOmoz does the same thing.
  • Badges?
  • Rich doesn’t know that Foursquare should work but the beauty of it is that does. Rich thinks this has to do with velocity and the fact that it makes quite boring stuff exciting and PR worthy – not knowing when a reward is coming and the fact that they come almost at random is what Rich feels makes this work.
  • Virtual Currency/Goods
  • If you have a crappy product it really doesn’t matter.
  • What could we do/take away from this?
  • Gamification for Good – IMOK, a checkin platform for kids. Connected just from one phone to the other and checking in lets the parent know they’re ok.
  • Reward with Status- top contributors in Webmaster forums will get flown out to Google and learn all sorts of things.
  • Create signups/sales with loss aversion
  • Help people drive their business
  • Generate Reviews- badge and point system for heavy users?
  • Increase signups
  • Reward for Gifting
  • Reward for Uplaoding Content
  • Generate links
  • Increase social shares
  • Motivate internally to do the same - get your inhouse team to answer FAQ type questions and reward them for their interaction and points.
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Adding Gamification to Your Community | Social Media Today [25Oct11] - 0 views

socialmediatoday.com/...ng-gamification-your-community
shared by Marc-Alexandre Gagnon on 26 Oct 11 - No Cached
  • It is interesting to see gamification now being applied in a marketing/website/community context, because many marketers and community managers have already been using these techniques to build engagement for several years.
  • there are many ways to incorporate game mechanics into a community and which ones are appropriate depend a lot on the make-up of your community audience and what the ultimate goals for the community are.
  • my belief is that you need to gradually introduce new elements into a community and make sure that any new features are fully explained and documented.
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  • According to a definition in the Gamification Wiki,"Game Mechanics are constructs of rules and feedback loops intended to produce enjoyable gameplay."
  • Before you can add gamification to your community, you need to really understand your community.
  • Recency -- when was the last visit? Frequency -- how often does the member visit? Duration -- how long do members stay on the sight when they visit? Virality -- how often do members share content on the site?  and how much is their sharing amplified through their network? Ratings -- how often do members rate content on the site?
  • Community Goals
  • What goals are you trying to accomplish with the community?  Can you measure them?  Do you have any elements of gamification incorporated into your community today? Does your community platform support gamification elements?  Can you track your measures in your community system?
  • Measures of Engagement for a Community
  • Do you have an open or closed community?  Is your community a professional, social, support, informational, hybrid or something else community?  How do you want members to use the community?  How many members do you have and how many do you add in a typical week or month?  What is the typical member profile?  How engaged are your community members?  How do you measure engagement?  What motivates your members to join, participate and stay engaged in the community?  Do you have robust member profiles?  Are member profiles searchable?  Can members 'friend' or message other members?  Do you have a way for members to add their Twitter or Facebook accounts to their profiles?  How  easy is it for members to share content on other sites?
  • Suggestions for Community Gamification
  • Robust profile system [self-expression, status, achievement]-
  • I also want members to receive recognition for their achievements by earning badges that can be displayed on their profiles and announced via their social networks.  As a community manager, I want to be able to create different types of badges including limited edition or special occasion badges.
  • Point system [competition, achievement, reward, status] -
  • I definitely want to keep track of points, but I want to be able to customize the calculation of the points.  I don't know what the ideal point values would be, but I know that I would want to experiment with rewarding members for recent visits, the frequency and duration of their visits, their sharing of content on the site or in their social networks, creating content, participating in discussions or rating content.
  • Leaderboards [reward, status, achievement, recognition, competition] -
  • Customization is also important in the leaderboards.  I want to have multiple leaderboard; for example, I may want a weekly, monthly and all-time versions of the leaderboard that I will post in different parts of the community site to recognize leaders who are currently contributing the most to the community experience and to others who have been long time contributors.
  • Badges [status, achievement, reward, recognition, competition, self-expression]
  • First of all, the member profile system needs to be robust with the option to upload a picture and have free form bio descriptive fields.  Most importantly, I should be able to link my profile to my Twitter, Facebook and LinkedIn profiles and possibly use single-sign-on use those services.  The profiles should also keep a history of a user's activity, badges and points.  Another requirement for the profile system is that members should be able to create virtual friendships or groups within the community site.
  • Content ratings have been around for awhile, and they are an important part of increasing engagement.  I would push the envelop further by making it easier for users to share their content ratings and to search for content based on the rating.
  • Content rating [altruism, self-expression] -
  • Content sharing [altruism, self-expression] -
  • Members must be able to easily share content they like within their social networks, via bookmarking sites and by email.
  • Challenges [competition, reward, achievement]
  • As a phase 2 implementation, I would also want to add some custom challenges to my community to drive additional engagement.  I am not sure what form these would take, but I would start thinking about how to incorporate challenges while implementing the other elements noted above.
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Microsoft: Windows Phone already supports NFC - Neowin.net [10Dec11] - 0 views

www.neowin.net/...ows-phone-already-supports-nfc 3BT_NFC
shared by Marc-Alexandre Gagnon on 10 Dec 11 - No Cached
  • The arrival of NFC in handsets has been talked about since the world was young, but big steps are finally being taken towards making its availability more widespread. Samsung’s new Galaxy Nexus device supports NFC through Google Wallet; RIM and Telefónica recently announced a new trial of the technology in Europe next year; and America’s big three networks have formed the ISIS alliance to enable a common architecture for NFC mobile payments.
  • When Nokia launched its new Lumia 710 and 800 handsets in October, it was widely expected that these devices would be the first Windows Phones to support NFC. Nokia had all but confirmed this itself when, last year, it stated that all of its 2011 smartphones would include NFC support.
  • In an interview on Windows Phone with TechRadar, Will Coleman, product manager at Microsoft UK, said that “NFC is supported by it, but needs to be enabled by the OEM. So if any [manufacturer] wants to enable it, that can be done by all means.”
  • ...3 more annotations...
  • There have been rumours that Microsoft is working on an NFC payment platform to rival Google Wallet, while this week, it was suggested that NFC will soon play a part in how Microsoft devices communicate with each other. Coleman didn’t spill the beans on any specifics, but did say that “in the not too distant future, there are some exciting things that will be coming through with NFC from Microsoft.”
  • Keith Varty, Nokia’s head of apps and partnerships, stated: “We need to get a [Windows Phone] device into the marketplace with NFC capabilities, and when we do we can really start to showcase our services.”
  • So it looks like we’re still at the stage of NFC’s development where the best is yet to come, but with the pace of development finally accelerating across the industry, it appears that we won’t have too much longer to wait. How long Windows Phone users have to wait for NFC is a different matter - with the confirmation that the technology is already supported by the OS, the decision to launch devices with it on board now rests solely with the manufacturers.
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How Mobile Payments Will Evolve In the Next Several Years - 0 views

www.readwriteweb.com/..._evolve_in_the_next_severa.php 3BT_NFC mobile payments
shared by Marc-Alexandre Gagnon on 27 Dec 11 - No Cached
  • Mobile payment has become a mainstream tech topic in the last couple of years, mirroring the rise of smartphones and application stores. E-commerce is becoming m-commerce. The focus point of the buzz has been the evolution of near-field communications as related to smartphones. The thing is, nobody in the payments industry expects NFC to be a player in mobile payments for years, if ever. In that case, what does the mobile payments ecosystem look like in the short term?
  • The current mobile payments market centers around several cores: direct carrier billing, mobile wallets, online and offline sales, mobile credit card readers and application stores. During meetings with various mobile payments experts and executives at CTIA last week, the most uttered phrase was: "This is not something I would use to buy a fridge." Where are mobile payments going?
  • The Non-Promise of NFC OK, let us get one thing straight: NFC may never be a widely used form of payments. There are so many reasons why it will not be. Foremost, the logistics of NFC are a nightmare. The actual technology is probably ready. The infrastructure around the technology is not. There are too many competing interests coming from above the retail market that creating a universal NFC reader between smartphones and financial services is not going to happen anytime soon. The closest thing to a widely used system would be Mastercard's PayPass, but even as widespread as that is, it is no where near the type of market penetration that would create an inflection point for NFC to take off. Second, PayPass needs a software upgrade to offer any type of deals, something that will be important in the mobile payments world.
  • ...7 more annotations...
  • The second half of the NFC conundrum is that there are a lot of hands reaching for the supposed pile of money that NFC payments will enable. Look at Google's announcement of the Wallet product. Or the ISIS partnership between Verizon, T-Mobile and AT&T. Google is partnering with Mastercard, CitiBank, Sprint, FirstData, Verifone, VivoTech (the NFC partner), Hypercom, Ingenico and NXP (another NFC partner). All of these large companies are going to want a slice of the pie. Where does that leave the retailers? You know, the ones that are actually trying to make money with good and services? Sadly, on the outside of the circle. The carriers are the biggest culprits, wanting to take as much as 50% of transaction revenue because it is "going over their pipes." The financial services companies will be happy taking their normal rates in the 1.75% to 3% range as long as there is a promise that more people will pay electronically (read: sans cash). Between retailers, partners and infrastructure, NFC has years to go before it will be viable for all parties involved.
  • What will happen in this time frame? Think about the so-called "4G" technology WiMax. The technology is already becoming antiquated with LTE and all the major carriers are working on the next version after that. Sprint is keeping a hybrid of WiMax and LTE going forward but overall it is a tech that died before it even matured. NFC may be the same. What if there are massive leaps in quantum teleportation in the next several years? Does NFC become the WiMax of the payment world?
  • Maturation Of Direct Carrier Billing The "I do not see myself buying a fridge with this" line comes mostly from the direct carrier folks. Direct carrier billing is the perfect area for micro-payments and payments that stem from ease of use. Think of parking. If you could pay for your parking on the street with your phone, would that convenience be worth an extra couple of cents on the dollar to you? The direct to carrier ecosystem has evolved to the point where it actually makes sense for offline and online use. Zong (acquired by eBay for PayPal integration), PaymentOne and Boku are the leaders in this space. PaymentOne has processed $5 billion in mobile payments and lets users pay with their phone numbers, validating transactions via text. Zong allows that capability as well. Payment One's "One Care" features, announced last week at CTIA, makes direct to carrier billing safe and secure. Transparency is important in mobile commerce because consumers do not really trust their phones to handle their money quite yet. The most important aspect of direct to carrier billing now is that the revenue mechanism has been flipped. It used to be that merchants only got some 40% or less of payments while the carriers and partners took the rest. Even with high margin transactions, that is unacceptable. Today, direct to carrier billing provides the merchants with more than 80% of the revenue, sometimes nearly 95%.
  • The Dongle World: Smartphones As Credit Card Readers Square, VeriSign and Intuit are pushing hard into the dongle department. Jumio is doing the same thing, just without the dongle. There is not much to be said about the dongle world that we have not already touched on at ReadWriteWeb outside of the notion that it is bringing easy credit card readers to the mobile masses.
  • The dongle competitors are not worried about what is happening in the ecosytem because it does not really touch their core business. For instance, PayPal does not see NFC or dongles infringing on its business in any way, shape or form. As Laura Chambers, PayPal's head of mobile, said in a recent interview, "we are not worried about much in the ways of competition. There is a lot of white space in the industry for horizontal movement."
  • What Is PayPal Really Doing? In the interview with Chambers, the first question I asked was, "Why does it seem like PayPal has become a "me too" operator in mobile payments?" It is a fair question, even if Chambers balked to acknowledge that PayPal has been in "me too" mode for the last year or so. PayPal has ignored the dongle movement and NFC is not on its radar as a technology it feels it needs to integrate. "What is the difference between a tap versus a swipe?" Chambers asked. "We are working with what works in the current infrastructure ... We have sat down with consumers and merchants to work with them on what they want." PayPal is growing sideways because there is not a ton of room right now to grow vertically. PayPal will get into NFC solutions when the time is appropriate. Its strategy now is to create as much flexibility for consumers as possible through its mobile wallet program. PayPal's stance is data driven - the company can track when and what consumers buy from mobile phones and tablets. Hence, PayPal is focusing on the shopping end of the spectrum, as opposed to a pure payments play. "60% of people buy more and spend more on mobile," Chambers said. "But, we see that people are not really buying different things on mobile ... the No. 1 driver of growth in mobile payments is boredom." That fits in well with what PayPal sees as "couch commerce." They released a study recently saying that mobile shopping is going to boom this holiday season. As such, PayPal is ready to deploy an end-to-end solution for merchants and consumers to reward loyalty and provide deals and offers along with digital receipts. PayPal believes that it has a lot of room to grow in mobile through these types of horizontal movements. We are also seeing this on a non-mobile front with eBay partnering with Facebook and the Open Graph API and the new X.Commerce initiative that consolidates the PayPal, Zong, Magento, RedLaser and Milo technologies. The company is calling it an "open commerce ecosystem."
  • Future Of Mobile Payments This article is the first in a series of the trends in mobile payments that ReadWriteWeb will be working on in the next several months. There are a lot of questions and the answers are just beginning to emerge. Who are the winners in the space? Are retail shops in danger of "becoming expensive fronts for online shopping," as Chambers said in the interview? Does NFC really have potential to disrupt offline payments or is it just cool technology? These questions and more are what we will be tackling in the months to come.
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Which Mobile Payments Provider is Right for You? - 0 views

thenextweb.com/...are-and-clover-go-head-to-head 3BT_NFC mobile payments
shared by Marc-Alexandre Gagnon on 16 Jan 12 - No Cached
  • The race right now is primarily between three parties – PayPal, Dwolla, Square and newcomer Clover Pay. Each of these services have its ups and downs, but it’s worth noting that they can all be used for peer-to-peer payments and that’s how we’ll be reviewing them.
  • PayPal Setup: Nearly instant. You can sign up for a PayPal account in just a couple of minutes, then have it funded from a credit card almost immediately after. Pros: Widely accepted payment form, in use by millions. Full-featured mobile app on iOS and Android, including the ability to scan checks for deposit. Tight integration with the USPS and eBay makes for easy collection and shipping. Cons: Often criticized for high fees. PayPal tends to lock down accounts for investigations with a guilty-until-proven-innocent approach. Terms of service disallow many actions, and are quite obtuse in important sections.
  • Dwolla Setup: Signing up for and using Dwolla is quick, but you’ll need to tie it to your bank account to fully leverage its abilities. This can take 3 to 5 business days, depending upon your bank. But, if your bank supports instant transactions, you won’t have the typical transfer lag. Pros: Dwolla charges only $0.25 per transaction, no matter how much money is being transferred. A highly-secure mobile app is available for Android and iOS. Instant transfers to and from your bank account, if your bank is part of the participating network. Dwolla is integrating with merchants, allowing you to pay directly from your account. Instant feature will “loan” you up to $500, charging a $5 fee only if you don’t pay it back before your statement is over. Cons: This could be a pro, depending on how you see it. Dwolla has no debit card function. It’s intended to be used as an extension of your existing bank account. Smaller base of users means that you’re not as likely to find a Dwolla customer for exchanging funds.
  • ...7 more annotations...
  • Square Setup: For many merchants, Square has been the dream alternative to PayPal. By allowing customers to swipe physical cards with nothing more than a dongle on the merchant’s iPhone, it’s changing the way that many companies do business. Just snag a dongle, install the app, tie it to your bank account and you’re done. Onboarding with Square is supremely simple. Pros: Supremely easy to use. Flat 2.75% fee on any swiped transaction. Goes to 3.5% + 15¢ per transaction if the card is entered manually. Next-day deposits directly to your bank account. Cons: Square is intended as a business tool, rather than a peer-to-peer platform. Your friends will need to swipe a card to give you cash.
  • Clover Pay Setup: Clover came out of the gates with a killer team and a mobile app that’s top-notch. If you can get an invitation to the somewhat-closed beta you can be set up on Clover in a matter of minutes. Pros: Super-simple process for requesting and making payments. Numerous methods for requesting and sending, including face-to-face, by email or over SMS. Fee-free for non-commercial use. Cons: Low limits on funding your account via credit cards, as well as withdrawal to PayPal. $2000 monthly cap on ACH funding or withdrawal. Adoption seems to be slower than other services.
  • Who Should You Use? That’s the real point here, right? You want to know what option is best. Unfortunately, there’s not any one that rises completely above the others. Dwolla and Clover are my two choices for the most promising, but PayPal’s ubiquity keeps it as a necessary thorn in my side. The real answer has a lot more to do with how you plan on using the service.
  • If ubiquity is important to you, there’s only once choice and that’s PayPal. But if you’re willing to give up a bit of convenience, then Dwolla’s $0.25 per transaction and bank-account-augmentation are compelling features. I have big hopes for Clover, mainly because it’s a great team and a beautiful app. But I’ve yet to talk to anyone who’s actually used the service.
  • Finally, there’s an elephant in the room here…and in the image at the top of this post. Google Wallet. Unfortunately there are a lot of factors that prevent Google Wallet from being a be-all, end-all solution. The primary problem? It’s locked to Android right now. And even then it’s locked to only a select few Android phones. It’s a big promise, but one that will take a lot of time to come to fruition.
  • The end result is that there probably isn’t one “great” choice, just yet. But we’re moving in the right direction and that’s important. For me, it’s a combination of (begrudgingly) using PayPal when I have to and reverting to Dwolla when I can. Maybe your situation will be different, but hopefully this has helped you gain some insight.
  • With more phones and more options opening every day for mobile and peer to peer payments, the waters are getting a bit muddied. At the request of some of TNW’s Twitter followers, we thought we’d put together a list of the leading options, including the pros and cons of each. Expect this post to be updated as the landscape changes.
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Forget wallets. What else is NFC good for? [16Dec11] - 0 views

gigaom.com/...lets-what-else-is-nfc-good-for 3BT_NFC mobile payments
shared by Marc-Alexandre Gagnon on 16 Dec 11 - No Cached
  • Near-field communication (NFC) has been trashed by critics, who say it adds no value to consumers or is a technology in search of a need. But as we’ve pointed out, NFC is just a technology that can applied in a lot of different ways, apart from the digital wallet framework through which many people understand it.
  • Increasingly, we’re seeing more and more interesting projects and applications being built that show how NFC will be deployed outside of mobile payment situations. This not only indicates how flexible the technology is but also could help propel the overall technology in adoption, as consumers become aware of NFC and learn to use it for a variety of reasons.
  • Right now, NFC is still below the radar for most U.S. consumers, and the slow roll out of Google Wallet or the pending launch of Isis next year are, by themselves, only going to accelerate NFC adoption by so much. But having a host of uses for the technology could open people’s eyes and push them past any usability or safety concerns.
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  • San Francisco announced earlier this week it was partnering with PayByPhone to enable 30,000 parking meters with NFC support. People can tap their phone against a parking meter and call up a parking application that identifies the parking location and allows the driver to enter his or her desired parking time and complete the transaction. The actual payment happens inside the app with a stored credit card, but the technology provides a short cut to the transaction.
  • Intel and MasterCard have teamed up to enable future Intel-powered laptops to work with PayPass enabled MasterCard credit cards. Users will be able to enter in their payment credentials for online purchases by tapping their card on their computer instead of storing the information on their machine or entering it manually.
  • Personal contact and content sharing has become one of the emerging uses for NFC. RIM in October introduced BlackBerry Tag, which will enable users of NFC phones to exchange contact information, documents, URLs, photos and other multimedia content with a tap of their phones. Google has enabled a similar a solution with Android Beam, which will work on NFC-enabled phones. This can serve as a Bump-like way to pass back and forth information quickly.
  • Access card maker HID Global announced a trial with Arizona State University in September in which students were provided NFC-enabled phones, enabling them to gain physical access to buildings. All the participants were able to enter residence halls with their phones, and some were also allowed to open individual room doors using unique digital key and PINs.
  • The Museum of London and its sister institution, the Museum of London Docklands launched a project in August that allows visitors to tap their NFC-enabled phone at exhibits and gain more information, buy tickets to future exhibits or check in, follow or “like” the museums on social services. It’s part of Nokia’s NFC Hub effort to help businesses set up NFC campaigns.
  • T-Mobile partnered with Meridian Health and iMPak Health in October on a new SleepTrak sleep monitoring system, a wearable device with an NFC-equipped card. Users can upload their sleep data to an NFC-enabled Nokia astound with a tap.
  • Nokia and NFC Danmark launched NFC-enabled smart poster campaign in Telia stores in Denmark, enabling Nokia N9 users to download mobile apps by tapping on a poster. The two companies also introduced what Danmark called the world’s first NFC-enabled vending machine.
  • The winning application of the WIMA NFC USA conference in San Francisco earlier this month was a project called Think&Go, which is being tested by French supermarket chain Groupe Casino. Think&Go allows visually impaired and elderly shoppers to call up large text information on products by tapping NFC tags on store shelves.
  • These are just a sample of the projects and real applications leveraging NFC. As you can see, none of them are actual mobile wallets. The biggest thing they provide is a real short cut to information and actions that can happen without much work. Many of these things can be done through QR codes, bumping, Bluetooth or other methods, but NFC provides a very simple and often elegant way to get through the process.
  • Also, in some of these cases, what’s also nice is that since they aren’t trying to conduct sensitive transactions, they don’t need to access the secure element inside a phone. That could be a limiting factor in the roll out of NFC, because the owners of the secure element, often the carriers, don’t seem to be in a hurry to enable a lot of other NFC payments systems. But with a host of other non payment uses emerging, users won’t have to wait to find out if their digital wallet is enabled on their particular phone. There might be other ways they can experience the power of NFC first. That will help in just teaching people the practice of tapping for information, transactions and access.
  • We’re still very early in the NFC game and the phones are just now trickling out in the U.S. But there’s going to be a much bigger flow of NFC-equipped phones starting next year. It’ll be these broader applications that might convince users that the technology has merit.
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Home Depot launches mobile payments to streamline checkout - Payments - Mobile Commerce... - 0 views

www.mobilecommercedaily.com/...yments-to-streamline-check-out 3BT_NFC mobile payments
shared by Marc-Alexandre Gagnon on 10 Jan 12 - No Cached
  • Big box retailer Home Depot is ramping up its mobile strategy by testing a PayPal-enabled mobile payment solution at select stores
  • The news marks Home Depot as the first retailer to sign on with PayPal as part of a bigger initiative from Paypal to bridge online and in-store traffic for retailers. The program has been in use since early December in five Home Depot locations in the United States and utilizes PayPal’s point-of-sale mobile payment service.
  • “Retail is changing with the emergence of these technologies that blur the lines between online and offline,” said Anuj Nayar, director of communications for PayPal, San Jose, CA
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  • “Mobile payments is only one small change that retailers need to compete in with in order to match what consumers are doing in stores, including bar code scanning and price comparing,” he said.
  • Users can either enter their phone number at check-out on a kiosk to have the bill sent to their carrier’s account bill. Consumers can also pay via a PayPal-issued credit card that connects with their phone account number.
  • PayPal is reportedly working with 20 retailers on the initiative and has plans to release the names of other retailers in the following months.
  • The PayPal-enabled program lets consumers pay for items by using the PayPal mobile wallet.
  • Mobile home Home Depot is the first retailer to be announced from PayPal’s new mobile payment solution to help retailers integrate mobile payments at point-of-sale stations.
  • The program also has tentative plans to extend to other Home Depot locations if the test trial is successful.
  • Payment war PayPal has been aggressively pursuing mobile payments recently to claim its piece of the mobile pie.
  • For example, in December PayPal tested a NFC-enabled mobile app in two retail locations in Sweden (see story).
  • Mobile payments are a hot item, but until recently it has been difficult for retailers to get behind the technology.
  • PayPal’s push for mobile payments in 2012 might be a response to Google Wallet, which let numerous retailers and brands in 2011 with mobile payments.
  • However, some experts believe that mobile payments still have a way to go to get consumers on board and will be more driven by NFC-enabled mobile devices.
  • “In the long-term, NFC phones will become more pervasive and normal credit cards will be mobilized,” said Drew Sievers, CEO of mFoundry, Larkspur, CA.
  • Mr. Sievers is not affiliated with PayPal or Home Depot. He commented based on his expertise on the subject.
  • “A mobile payment has to have a very rich incentive for a consumer to latch on to, and merchants need to layer on relevant offers and deals in order for them to stick around,” Mr. Sievers said.
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New UK Mobile Payments Report & Usage Benchmark - MarketWatch - 0 views

www.marketwatch.com/...ort-usage-benchmark-2012-02-01 3BT_NFC mobile payments
shared by Marc-Alexandre Gagnon on 04 Feb 12 - No Cached
  • NEW YORK & LONDON, Feb 01, 2012 (BUSINESS WIRE) -- The Auriemma Consulting Group (ACG) is set to launch its new Mobile Payments Report (MPR), a market research service that provides comprehensive and trended insight covering mobile as a payments device, means to manage finances, marketing channel, and as a method of engaging with consumers. It tracks consumer usage, penetration, and attitudes towards mobile across more than 50 key measures on a quarterly basis, and is therefore a source of deep consumer-led insight. The service is enhanced by consulting support from payments industry practitioners to enable subscribers to shape, adapt, and prioritise mobile payments strategy based on evolving consumer needs and mindsets.
  • The MPR is an invaluable source of insight that solves multiple issues in a rapidly evolving market place. Unlike other 'spot' research it is trended four times a year, can have customised cross-tabulations based on precise subscriber needs, and will evolve as the industry evolves. Through insight and research, it enables subscribers to understand how consumers think, feel, and behave to craft compelling strategy and propositions
  • Strong competition for market share is expected to emerge within the mobile payment space from non-traditional issuers such as Google and PayPal, making the development of mobile solutions imperative to engage and retain customers. The MPR, by serving as an industry level benchmark, will ensure that subscribers can monitor best practices and access timely, up-to-date, tracked and trended consumer insight. This information is critical for firms to make the right investment choices to maximise the chances of successfully building and realising the benefits from mobile payment solutions.
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  • "Mobile is one of the most talked about channels in the consumer cards and payments space and for good reason; it represents the most exciting opportunity in the industry for growth, engagement, and differentiation," said Mark Jackson, Director at ACG. "As a new channel, it is a blank canvas which enables providers to innovate for the consumer and demonstrate their relevance to the consumer's lifestyle. Therefore, it is not only commercially attractive, but also strategically important."
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Bao push ultrasonic mobile payments "bats" - 0 views

www.chinastudygroup.org/onic-mobile-payments-bats.html 3BT_NFC mobile payments
shared by Marc-Alexandre Gagnon on 04 Feb 12 - No Cached
  • Bao network technology companies yesterday announced the launch of ultrasonic mobile payments-”bat”, consumers only need the phone close to the payment terminal, you can complete the identity verification, payment and settlement. 　　It is understood that the “bat” is based on ultrasonic wireless technology, allowing electronic device between a non-contact interact point to point data (10cm) to enable mobile payments and near field service more online business solutions. 　　With existing mobile payments in different ways is, today, most mobile phones through text messages, picture (QR) to implement a pay, this payment is a one-time; if you are on a mobile phone RF technology implementation is similar to the bus card payment, and hardware modification to the mobile phone. “Bats” is used, only requires the user to download an ultrasonic software can be. 　　According to the company General Manager Tan Xinglie introduction, this technique may be more in the future for restaurants, cafes, and needed on-site consumption places, such as where the user through the online booking, get coupon, which acts as the identity verification and payment tools; another application area is the logistics industry, such as express delivery, user to mobile payments. (Reporters Zhang Yi)
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Top 7 Mobile Commerce Trends in 2011 - 0 views

www.readwriteweb.com/..._commerce_trends_in_2011p2.php 3BT_NFC mobile payments
shared by Marc-Alexandre Gagnon on 06 Feb 12 - No Cached
  • 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.
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  • 7. Don't Forget The Dongle Dongles refer to a device that is connect to a computer to allow access to wireless or protected software. In the case of mobile commerce, a dongle would be a mobile credit card swiper that attaches to the mobile device. Square, Verisign and Intuit lead the way in dongle innovation. But with Google Wallet and NFCs (near field communications) on the move, do dongles have a future? Square's Card Case digital wallet is a dongle. It lets you pay by saying your name and only your name - if the merchant you visit is in the Square directory. With its dongle reader, Square aims to make mobile payments mainstream. Intuit's recent mobile payments innovation introduce the dongle-to-debit-card. The company wants to make it easier for small- and medium-sized businesses to accept transactions on the go. While Square is the leader in the dongle world, Intuit offers QuickBooks, tax refunds, bank partnerships, health check-ins and other management systems. Dongle providers such as Verifone, Intuit, Erply, ROAMPay, TRUSTe and PayAnywhere will continue to push their products as the space evolves.
  • Conclusion Mobile commerce is at a tipping point. It has not hit a critical, mainstream mass, however. First, the battle of NFCs vs. mobile wallets vs. dongles will need to settle, with one emerging and the others either following and finding their niches, or disappearing completely. Carrier billing will play a crucial role in how consumers start easing into the idea of mobile commerce. The daily deals space will become more focused on mobile, particularly in the ares of personalization and location-based targeting - people who use their phones are glued to them, naturally, and they must start receiving time-sensitive offers at exactly the right moment. Tablet commerce will continue to expand, as more people buy tablets and engage in "couch commerce." Catalogs, tablet-optimized websites and fast conversion rates make this the perfect platform for capturing consumers who already feel devoted to their tablets. In the dongle space, Square will continue to position themselves as the thought leaders, though they will face a fierce competition from Intuit.
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Square Now Being Used For Mobile Payments At Political Fundraisers | TechCrunch - 0 views

techcrunch.com/...ments-at-political-fundraisers 3BT_NFC mobile payments
shared by Marc-Alexandre Gagnon on 06 Feb 12 - Cached
  • Jack Dorsey’s Square was unveiled last December as an innovative way to let people quickly and easily accept physical credit card payments from their mobile phone.
  • Square is ideal for taking money at political fundraisers for several reasons.
  • A local flower cart in San Francisco is using Square to take payments from customers. Denim, a jeans store in New York is using Square to take payments from shoppers. We even used Square at this year’s Crunchies to raise money for the UCSF Foundation.
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  • Here’s how Square works: A small device attaches to the phone via the headset/microphone jack. The device gets the power it needs to send data to the phone from the swipe of the card, and sends the information over the microphone connection. The device is compatible with both the iPhone and Android. It’s similar in some ways to PayPal, but anyone can now accept physical credit card payments, too. With no contracts or monthly fees. People are sent receipts by text and email. If you haven’t seen Square in action, check out this video.
  • And now, a new use case has popped up for Square: political fundraising.
  • Square is currently being used in two campaigns. Silicon Valley VC Josh Becker, who is running for state assembly in California’s 21st district, has been using Square at fundraising events. And lawyer Reshma Saujani, who is running for Congress in New York’s 14th district, is using Square at campaign fundraising events, including at an event in San Francisco on Friday.
  • Since then, Square, which has been in limited beta, has been used in a variety of use cases. E.g. philanthopic organization charity:water recently used Square at the SXSW festival to collect donations.
  • Currently, if you want to donate money at a fundraising event, you often have to fill out a form and hand over a check or cash at the event. If you don’t have your checkbook or cash handy (which, many of us don’t), credit cards are the only option. You can write down your credit card number and info for fundraisers to charge at a later date, but you have to trust that the fundraiser keeps track of that information and paper.
  • With Square, there is both a convenience added for both the payee and fundraiser. The donation is instantly processed, and Square will send the receipt via SMS or email to the payee. Of course, political contributions and donations are a little more complicated because of the reporting requirements associated with donations.
  • For many types of donations, you need to take the donator’s name, occupation, address, and other information. Currently Square doesn’t allow users to input all of this information but Dorsey says that they are releasing Square’s API to allow fundraisers to build additional applications on top of Square, where they could input all of the necessary data. Once this is enabled, Square will allows fundraisers to eliminate paper collection and payments all together.
  • Dorsey says he’s already getting significant interest from politicians and political candidates across the country, but because Square is in limited beta, is being selective about how the service is distributed. Dorsey expects Square to be open to the public sometime in the next few months.
  • Valued at $40 million even before launch, Square is off to an impressive start. And technology’s most notable investors and leaders seem to think so as well.
  • Twitter co-founder Biz Stone, investor Ron Conway, Google’s Marissa Mayer, Foursquare co-founder Dennis Crowley, Digg creator Kevin Rose, investor Esther Dyson and a host of others have invested in Square. The company also raised funding from Khosla Ventures.
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PayPal launches new mobile payment system in Home Depot | Econsultancy - 0 views

econsultancy.com/...e-payment-system-in-home-depot 3BT_NFC mobile payments
shared by Marc-Alexandre Gagnon on 06 Feb 12 - No Cached
  • PayPal’s mobile payment system has gone live at 51 Home Depot stores in the US.
  • The eBay-owned company has also reported that its mobile payment volume reached $4bn in 2011.
  • PayPal’s new mobile payment system, which was trialled by eBay CEO John Donahoe, allows users to pay at the till by entering their mobile phone number and PIN.
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  • No bank card is needed and the customer is emailed a receipt for the goods.
  • A blog post from eBay said the system also works using a plastic card issued by PayPal that works like a credit card.
  • PayPal’s mobile payment system is an interesting experiment, but one that is likely to be overshadowed by NFC technology.
  • Mobile phone companies and banks are pushing hard to make contactless payments the norm. Last week, Visa certified smartphones from LG, Samsung and RIM as safe to use its NFC payment system.
  • NFC is far simpler and quicker than PayPal’s system as you simply need to touch your card on the reader without entering any codes.
  • That said, NFC payments have a limit of £15 to £20 so there is potential for a mobile payment system for more expensive items.
  • Whether PayPal can take advantage of that market is unclear. Issuing customers who already own a Visa card with an NFC-enabled credit card is a relatively simple operation, but persuading people to fundamentally alter the way people they use PayPal by taking it offline is a much harder sell.
  • Also, PayPal has 106m active accounts, but there are more than 1bn Visa cardholders worldwide.
  • PayPal also announced that mobile payment volume reached $4bn in 2011, more than five times the volume in 2010.
  • Its revenue increase 28% year-on-year, and net total payment volume grew 24% to $33.4bn in Q4 compared to the same period the year before.
  • eBay achieved revenue of $3.4bn in Q4 2011, a 35% increase on the same period in 2010.
  • For the full year revenue increased 27% to $11.7bn.
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Apple Streamlines Real World Shopping With Mobile Self-Checkout [08Nov11] - 0 views

www.readwriteweb.com/...world_shopping_with_mobile.php
shared by Marc-Alexandre Gagnon on 08 Nov 11 - No Cached
  • For those of us who have grown accustomed to purchasing things from our laptops, tablets and smartphones, the experience of walking into a physical store and standing in line can get tiresome. It's hard to top the immediacy and convenience of online and mobile shopping. Yet, there are still plenty of items that are best purchased in person.
  • Apple hopes to bridge the gap between these digital and physical worlds. The company just released an update to its Apple Store app for iOS. Using the application, customers can not only purchase Apple products like they can on the Apple website, but they can now opt to pick them up in person at one of the company's many retail locations.
  • The app can also be used as a sort of self check-out scanner for certain accessories in Apple stores. Need a new case for your iPhone or a power adaptor for your MacBook? Now you can scan the item with your phone's camera, pay for it in the app and be on your way.
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  • This model offers a glimpse of one version of what the future of commerce may look like. E-commerce is infinitely more convenient for certain things, but sometimes consumers still need to see and try a product in person, whether it's a MacBook Air or a pair of jeans.
  • For retailers, offering a mobile app that alleviates some of the pain of real world, bricks-and-mortar shopping can provide a competitive advantage on digital platforms without cannibalizing physical in-store sales. Mix in location-based offers and coupons and the incentive for consumers to swing by the store is even greater.
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