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9.6 Trillion dollars was spent to educate every American. Just because a “corporation” does not exist to employ them and utilize their talents to the highest productivity level, does not mean that the talent and value does not exist. According to the 1:1000 rule, The GDP of the US in Social Currency is a minimum of 9,600 Trillion. What deficit?The dollar has a 1:1000 control leverage over social currency. It is not at all surprising to see social media expand at the rate proportional to that which the doom-gloom crowd predicts that the financial system will collapse. They are related, they hedge each other. Don’t let anyone convince you otherwisethe dollar will no longer control the value; that is, the social value wedged between people’s ears is free to be capitalized and securitized directly. We need to capture social currency in a new financial paradigm.Read more at www.ingenesist.com

Nearly one in five smartphone users are tapping into check-in services like Foursquare and Gowalla, according to a ComScore report released yesterday. A total of 16.7 million mobile-phone subscribers used location-based services on their phones in March. That amounts to about 7.1 percent of the entire population of mobile users. But among smartphone users specifically, 12.7 million checked in with such sites during the month, representing 17.6 percent of all smartphone owners, ComScore said. For the purposes of its study, ComScore included such location-based check-in services as Foursquare, Gowalla, and Facebook Places.

Compared with most smartphone owners, those who used location-based sites on their phones also proved more likely to access other types of mobile content. More than 95 percent of them used their mobile browsers or mobile apps. Almost 62 percent grabbed the news on their mobile devices. And in a stat that will make retailers happy, almost one third of the users browsed to online retail sites on their phones, while one fourth accessed online shopping guides. Users of check-in sites also got a heavier dose of advertising. Almost 40 percent of respondents said they remembered seeing an online ad during March, compared with just 27.5 percent of all smartphone users who said the same thing.

PARIS — Nokia, the cellphone giant battling to maintain its position in the face of competition from the iPhone and Android, said Tuesday that it was abandoning its 2011 profit targets after an unexpectedly poor second-quarter showing. Shares in Nokia tumbled 17.5 percent, closing at €4.75 in Helsinki, after the company, which is based in Espoo, Finland, said “multiple factors are negatively impacting” sales, particularly lower selling prices and a reduced sales volume.

“The Symbian portfolio is in terminal decline,” Mr. Jeffrey said, “so the importance of the Windows phone is even greater now.”

Nokia lowered its forecast for second-quarter sales in its devices and services business to “substantially below” the range of €6.1 billion to €6.6 billion, or $8.8 billion to $9.5 billion, it had previously forecast.

EBay and its online payment unit, PayPal, on Thursday sued Google and two executives for stealing trade secrets related to mobile payment systems. The two executives, Osama Bedier and Stephanie Tilenius, were formerly with PayPal and led the launch on Thursday of Google's own mobile payment system in partnership with MasterCard, Citigroup and phone company Sprint. The suit highlights the growing battle by a wide range of companies from traditional finance to Silicon Valley trying to take a major stake in what has been described as a US$1 trillion ($1.2 trillion) opportunity in mobile payments. The mobile phone is seen as the digital personal wallet of the future. The eBay suit said Bedier worked for nine years at PayPal, most recently serving as vice president of platform, mobile and new ventures. He joined Google on January 24 this year.

#1: Assign campaign codes & track offsite converting goals (micro-conversions).

#2: Uniquely track online micro-conversions in offline systems.

#3: Get the current "faith based" number from Finance.

But points and badgest are a very basic “carrot” approach. Pink says that in the main carrots and sticks don’t work except for basic repetitive tasks where there is little intrinsic motivation.

For anything involving knowledge or creativity, what matters is: Autonomy – deciding how and when to do things Mastery – the reward in gaining a skill and learning Purpose – the sense that the task is part of a greater goal.

What concerns me is that points and badges are none of the above, they are just  extrinsic motivation.

Because NFC tags are more expensive than barcodes or RFID tags (just under $1 in volume) they will make their way into high-end retail products first: Cars, electronics, consumer appliances.  As more products start to include NFC tags, this will drive the price down even further.  As the price goes down, NFC tags will make their way into products $20 and above (clothing, wine, shoes, Costco-sized purchases). And then there are the phones. With almost 100 million NFC-equipped phones estimated to be shipped just over the next year and more than 1 billion predicted for the next four years, shopping, comparing, and purchasing via NFC-equipped smartphones will become commonplace.

With big bets by the titans of technology and consumer finance, 2011 is becoming the year that American business got serious about jumpstarting the “Internet of things“—a broad web of digitally enhanced locations that consumers can navigate the same way they now use smartcards to pay their bus fare or open security doors at work. For Seattle startup Iota, that transformation isn’t happening fast enough. This team of former T-Mobile employees is aiming its considerable experience in the mobile sector at a new type of device that it says is ready to go right now. They believe it can be made cheaper, easier, and more open than expensive new radio frequency ID-enabled smartphones controlled by the big market players. Their mission is to put the futuristic promise of what’s called “near-field communications,” or NFC, into the hands of anyone who doesn’t have a smartphone, or wants to spend less time digging around in a field of apps. The company, based in Seattle’s hip Capitol Hill neighborhood, has raised $1.4 million so far and is currently about $600,000 of the way through a $1 million convertible-note round, founder and CEO Russ Stromberg says.

Researchers for the Chetan Sharma Consulting group have put together a 2011 State of the Global Mobile Industry mid-year assessment and have come up with some very interesting results. The entire global mobile market weighs in at about $1.3 trillion or close to 2% of the world's gross domestic product. Of that giant $1.3 trillion pie, about $300 billion is expected to be through data revenues. That means that people are starting to use data at much higher rates and Americans are on the forefront of data usage even as India and China are the fastest growing mobile markets in the world.

"Mobile is fundamentally reshaping how we as consumers spend from housing and healthcare to entertainment and travel, from food and drinks to communication and transportation. Mobile not only influences purchase behavior but also post purchase opinions. When the share button is literally a second away, consumers are willingly sharing more information than ever before. Mobile is thus helping close the nirvana gap for brands and advertisers who seek to connect advertising to actual transactions. The long-term battle is however for owning the context of the users. Having the best knowledge about the user to help drive the transaction is the simply the most valuable currency of commerce."

There will be more than six billion mobile subscriptions by the end of 2011. According to the report, it took 20 years of mobile development to reach one billion connected devices. The jump from five billion to six billion took 15 months.

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

While growth in usage of social media by the public continues to grow unabated, new research shows that social media usage among large companies is leveling off. The research from the University of Massachusetts at Dartmouth shows that corporate use of networks like Facebook and Twitter plateaued in 2011. The study looked at outward facing social media usage by Fortune 500 companies, and found that adoption of blogs, Twitter and Facebook did not rise from 2010 to 2011. Just under 1/4 of the Fortune 500 have a public facing blog. While this is an increase from the 16% measured in 2008, it has not increased at all since last year. Likewise, Twitter usage has only increased by 2% in the last year, from 60% last year to 62% this year. Only 58% of large companies have a Facebook page; however, another 2% rise from last years figure. Astonishingly, 31% have no presence on either Facebook or Twitter at all. This follows research last week revealing that 1 in 5 small business owners hate social media.  Bete noir of the industry was Groupon, with a whopping 70% of SMEs reporting their dislike of the coupon website.

But bubbles can pop with a bang or deflate with a long, slow hiss. There is a growing feeling that an eight-year boom is over. It is one thing when non-tech Neanderthals guffaw at the very idea of Twitter, but quite another when those blessed by the Valley’s recent success worry that the gig is up.

To create a successful tech company, he wrote, “you have to find an idea that 1) has escaped the attention of the major internet companies, which are better run than ever before; 2) is capable of being launched and proven out for ~$5m, the typical seed plus series A investment; and 3) is protectable from the onslaught of those big companies once they figure out what you’re on to. How many ideas like that are left?”

To build a significant tech company in a new space, you cannot be trivial. Yet this is exactly how many start-ups and some big tech companies now feel. Ten of the top 15 paid apps on iTunes this week are games. For all of Apple’s commercials showing people doing clever, scientific-looking things with their devices, most people are using them to play Angry Birds rather than solve the world’s problems.

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

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

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

Mobile Continues to Grow

Association, mobile spending is predicted to grow 39 percent and should come close to the$1.2 billion mark. With only 33% of US businesses having mobile friendly websites, the time is now to “go mobile” while the opportunity still exists.

As part of BlackBerry Dev Con Asia taking place in Singapore right now, Wikitude has announced additional support for smartphones running on the BlackBerry 6. Bringing Wikitude to devices running BlackBerry 6 will help answer considerable demand expressed by users who want to experience Wikitude’s extensive content offering including more than 2,000 content Worlds consisting of approx. 150 million places around the globe. Users of the BlackBerry Bold 9700, 9780,9788 and BlackBerry Torch 9800 smartphones can download Wikitude on BlackBerry App World starting today.

After being crowned “The Most Addictive Social App Using the BBM Social Platform” at BlackBerry DevCon Americas in October, Wikitude most recently won the BlackBerry® EMEA Innovation Award for “Best BBM Connected App”, awarded in Alicante 1stDecember. “Extending the Wikitude platform to millions of BlackBerry 6 smartphone users will make the BBM experience richer than ever before. We are extremely happy to finally bring this version of Wikitude to even more BlackBerry smartphone users,” says Martin Herdina, Wikitude’s CEO.

Alec Saunders, VP Developer Relations, Research In Motion, said: “We’re delighted that Wikitude has integrated BBM support within their app. Integration with BBM can allow much greater viral discovery for apps, as well as enrich and transform the user experience with important social elements.”

1. Just Gimme My Mobile Wallet, Man There are a lot of deviations of a mobile wallet, and everyone does it differently. Essentially, the mobile wallet is exactly what it sounds like: A service that stores everything you would normally put in a physical wallet, including debit and credit cards, coupons and loyalty cards, in a mobile wallet. Not all wallets store data on the phone itself; SCVNGR's LevelUp and PayPal, for example, store data in the cloud. Your mobile wallet arrives empty, just like an wallet. You decide what goes in it. Google's mobile wallet works off of an NFC chip called the Secure Element, which acts like a secure wallet and differentiates this product from being just an app. It's also separate from the phone's main operating system and hardware.

Google launched its Wallet program in late May. The official launch (yes, a beta) happened in September. Google chose MasterCard as its official partner in the realm of mobile payments using near-field communications (NFC). At the time of launch, Nexus S 4G on Sprint with Citibank and payment network MasterCard was the only phone compatible with Google Wallet. The industry is preparing for Wallet, but the consumer side isn't quite there yet. In September, however, Visa also signed a licensing deal to include credit and debit cards in Google's Wallet program. MasterCard's has begun its shift toward technology innovator thanks to its new partnership and investment with mFoundry. This solidifies MasterCard's commitment to the field of mobile payments. PayPal has a slightly different vision for its mobile wallet. With a wallet in the cloud, consumers can select a payment instrument (credit card, debit card, bank account) and then use any Internet-connected device to enable that purchase. Really, PayPal wants to be technology agnostic, meaning that its mobile wallet should work on any device regardless of the operating system. In mid-November, PayPal unleashed its mobile wallet that features a card and a smartphone app that lets consumers store credit cards, gift cards, frequent flier miles and more. Speaking of mobile wallets, whatever happened to Apple's iWallet? NFC never did come to the iPhone4S.

2. Where NFCs Will Go, Few Do Know NFC (near field communication) enables the exchange of data between devices (typically, mobile devices) that are in close proximity to each other. NFC devices are used for more than just payments, though - they can be the link between real world actions and consumer-facing or back office systems. While card issuers love NFC options, they would force payment processors to radically redesign. Are consumers ready to trade in the swipe of a credit card for the tap of an NFC-enabled device? NFC may never be widely used as a form of payments, writes RWW mobile expert Dan Rowinski. While the technology around NFC is ready and being widely adapted within the industry, the actual infrastructure is not there yet. But the NFC hype is here. Since Google's Beta Wallet launch in September, it has partnered with Mastercard, CitiBank, Sprint, FirstData, Verifone, VivoTech (NFC partner), Hypercom, Igenico and NXP (NFC partner). On the opposing end, NFC mobile payment solution ISIS is poised to attack Google's Wallet; it recently partnered with Verizon, T-Mobile and AT&T.

That's what a Danish startup called Senseye claims to be doing; they say they've got software for Android that uses the front-facing camera to track a user's eye movement and then uses that to control what happens on the phone's screen. They're not alone in working on doing that kind of work, either. Eye tracking could be a big new way that users interact with their devices.

If the company can really pull this off, Senseye could join the ranks of Microsoft's Kinect, Surface and the touchscreen mobile devices in what people are calling the Natural User Interface (NUI). A Swedish company called Tobii announced in-car eye tracking technology this week as well and these aren't isolated innovations.

Gamification describes a series of design principles, processes and systems used to influence, engage and motivate individuals, groups and communities to drive behaviors and effect desired outcomes. Originating from the video game industry, many of these pioneering concepts now play a key role in driving incentive and behavior management for both brands in the consumer world and internal scenarios in the workplace. Enterprise gamification is a user experience (UX) and consumerization of IT (CoIT) trend that will take the market by storm in 2012. Constellation believes that by 2013, more than 50 percent of all social business initiatives will include an enterprise gamification component.

In interviews with 55 early adopters of enterprise gamification, Constellation identifies the three core pillars that include measurable action, reputation and incentives. By creating triggers through both monetary and non-monetary incentives among customers, employees, partners, suppliers and other interested parties, organizations can secure sustainable engagement and drive business outcomes such as improved marketing response from external communities, sustained long-term customer loyalty, increased collaboration among internal teams, or enriched onboarding, delivering success with new hires, partners, and customers.

Enterprise gamification requires an application of psychology and behavioral economics to incentivize outcomes. Because enterprise gamification maps closely to human behavior, organizations will want to follow Constellation’s best practices in appealing to the “Seven Deadly Sins” for gamification design.

The so-called digital wallet made important strides in 2011, sometimes eliminating the logistical need for paper vouchers, mobile apps, QR codes, and even cell phones.

At times this transition seems to be sneaking up on us. Earlier this month, thousands of merchants nationwide didn't know they had gained foot traffic and sales thanks to American Express and Foursquare. Amex rewarded consumers who synced their credit cards with their Foursquare accounts with $10 back if they spent the same at local businesses after checking in with the geo-social app. That effort followed up a successful post-Black Friday stint dubbed "Small Business Saturday," when Amex users checking in on Foursquare could get a $25 credit if they spent $25 with a local merchant.

Jake Furst, a business development director at New York-based Foursquare, said there was little to no organizational outreach to local businesses. "The merchants didn't necessarily know what was happening as we drove customers to their locations," he explained. "Small Business Saturday was a huge success. We got a ton of interest from Foursquare users and Amex card holders that didn't know about Foursquare yet."