What I think the Skype and Visa announcements mean

May 11, 2011 at 10:37 am · Filed under 2.0 Business Model, Adoption, Banking, Books, Business 2.0, Mobile, Mobile Phones, Movie Making, Netflix, Platforms, TV, User Revolution, Video, Visa, Web 2.0, YouTube

Two announcements this week I think show how the 2.0 web is going to the next phase – where the “rebels” go mainstream and spell the end of the traditional services.

I wont say much more about MSFT’s purchase of Skype – other than this. It spells the end of telephony as we used to know it. Communications will inexorably shift to the mobile platforms and will make video the centre piece. The Mainstream will be Dick Tracy! And this is my point. Mobile is the new platform and video will become so ubiquitous as to replace voice. The rebels are now the players.

In commerce Visa has just thrown down the gauntlet too.

Visa has just announced that it too will make mobile its future. It will take on PayPal directly.  Here are the features:

Visa expects to launch the digital wallet in the U.S. and Canada in fall 2011.

Key features of the wallet are expected to include:

• Click-to-buy: Shop conveniently and securely by simply entering an email address, alias or online ID and password, instead of a billing address, account number and expiration date. In addition, Visa is exploring dynamic authentication technologies that will bring added layers of security to online purchases.
• Cross-channel payments solution: The wallet consolidates multiple Visa and non-Visa payments accounts and can be used in mobile, eCommerce, social network and retail point-of-sale environments.
• Preference management: A menu that enables consumers to set preferences for how their wallet will work, allowing them to customize and control the features of their personal wallet from privacy settings to designating which account will be accessed based on merchant type or purchase amount.
• Merchant offers: A service that allows consumers to personalize their shopping experience by opting-in to receive money-saving discounts or promotions from participating merchants.

“The widespread adoption of Internet and mobile technology is changing the way people connect and transact across the globe, so we’re focused on delivering locally-tailored payments products and services,” said Saunders. “We are introducing new solutions for eCommerce and mobile devices that provide the same ‘Visa-quality’ experience—convenience, reliability and security—people enjoy when using their Visa cards at a retail location. In doing so, we are accelerating the global shift to digital payments by harnessing our brand, products, network and 50-plus years of payments experience.”

Mobilizing Payments in Emerging Economies

In certain emerging geographic markets with significant mobile penetration, Visa will work with financial institutions and mobile-network operators to provide consumers with a secure, reliable and globally accepted form of payment and the ability to transfer and receive funds, manage financial accounts or top-up wireless air time using their mobile handset. The wide range of features and functions being developed for the digital wallet will allow Visa to pursue a number of strategies to tailor or bundle services to local needs.

• In countries like India and Russia, where card issuance and mobile subscriptions are high, but card usage is relatively low, Visa will help drive account activation and usage by working with financial institutions and mobile operators to link existing card portfolios with mobile devices to give handsets payments functionality.
• In countries within Africa and the Middle East where mobile device usage is high and traditional electronic payments infrastructure is less developed, Visa will work with mobile network operators to link new virtual mobile prepaid Visa accounts to mobile phone numbers to enable cash-in, cash-out, personal payments and mobile payments —including bill payments and wireless airtime top-up. Visa also intends to connect existing “closed loop” mobile money services that today provide basic mobile banking and payments services to unbanked and under-banked consumers to its global, open loop network—VisaNet. The integration will open closed loop systems, and provide consumers and merchants with unprecedented scale, functionality and acceptance beyond their existing local geographic footprints.

Across all emerging geographic markets, Visa’s sophisticated payments technology and significant work in establishing global payments standards will aid in navigating the complexity of the myriad of network operators, handset models and operating systems in use globally, helping to enable millions of new and existing Visa account holders to simply use mobile technology for payments services.

Communications and Commerce now. What next? Education and Healthcare seem next.

Maybe there will have to be a Skype and PayPal in these sectors first. And when the mainstream buy in as we see above the shift will be made. Oh yes and are not books and film there too?

Comments

New Enterprise Communications Tools ? … Twitter Conjoined With Instant Calling (TM) = Phweet

August 5, 2008 at 1:09 pm · Filed under Business Model, Change, Cloud Computing, Community, Emergent, Enterprise 2.0, Mobile Phones, Public Media, Social Computing, Social Networking, Stuart Henshall, Trust, Twitter, User Revolution, Web 2.0

Thanks largely to Rob Patterson’s previous posts on the issues and opportunities, regular readers of the FASTForward blog will know by now that Twitter (and other similar services like Pownce, Jaiku, Friendfeed, Identi.ca and Kwippy) have strong potential for practical use by project teams and connected networks of knowledge workers.

These services can be used to keep people aware of fast-moving issues, events and changes, and bring the strengths of IM and online presence together in useful ways.

Here comes another dimension to group instant messaging … one which promises to further close the gap regarding utility and the ability to reach into a network and connect with someone to whom you want to discuss whatever it may be that interests you or what you may need to know or find out.

A friend who is well-known to many in the Web 2.0 arena, Stuart Henshall, and his colleague David Beckemeyer (TelEvolution / PhoneGnome, Earthlink), have just launched Phweet, a service whereby a user with one click can ask someone who has just twittered (or pownced, or jaiku’d, or fed a friend or kwipped) whether or not they will accept a VoIP call.  Once accepted, voila !  Connection is established and the voice conversation begins.

In terms of how it operates technically, this service effectively eliminates the need for dial-tones (arguably the last remaining communications bottleneck the telcoms "own") in order to talk to someone else via voice.  Powerful stuff !

Please note that this service is alpha, and applies only to twitter at the moment, though I believe there plans to enable it for the other similar service I have mentioned.

Of course group IM users can already connect with someone they "know" and ask about / initiate a VoIP call in any number of ways, but this service makes the functionality available during the course of using the group IM service, thereby enhancing existing online presence and creating what some are calling ambient intimacy.

Go ahead, sign up and try it out.  I have … it’s easy, fun and potentially very useful, especially for project teams or private networks of people who are connected together on some issue or other.

.

Tags: Stuart Henshall, David Beckemeyer, Phweet

Powered by Qumana

Comments (5)

Energency and Twitter – Now the Quake

October 31, 2007 at 10:12 am · Filed under Emergency, Enterprise 2.0, Mobile, Mobile Phones, Robert Scoble, Social Computing, Twitter, Twittergram, University

I think now that the point is made – Twitter is currently THE BEST TOOL for communicating widely in an emergency

[photopress:quake.png,full,centered]

(ParisLemon) Another day, another show of Twitter’s true power. Barely a week after the Southern California fires began and Twitter helped get out important messages to people, a 5.6 magnitude earthquake hits the Bay Area and info about is posted numerous times on Twitter before the ground is even done shaking. It’s barely been 30 minutes and already I have 4 solid pages of earthquake news and insight.

Ariel Waldman posted the first tweet about it (that I saw) and from there nearly ever blogger/tech geek/person in the entirity of the Bay Area has posted in on the quake – and many of the multiple times. I knew the exact location and magnitude before the story had even hit the news.

I say again, this is the power of Twitter.

Not only does it get your message out – but it uses very small amounts of the cell network and so can often get through when an overload crashes the system. Robert Scoble sent out a Twittergram to his list including Maryam his wife. With a Twittergram you can use voice. So you can in effect use the cell phone system without overloading it.
[photopress:twittergram.png,full,centered]

I think that the ubiquity of cell phones means that any organization now can have a Twitter Emergency Strategy – you can of course link this to a complementing Facebook strategy too.

So imagine a fire in your office – or an epidemic in the school – or a shooter at your university – a flood in your region – with Twitter, you can reach most people affected and then you can keep them updated – all it requires is that you have a plan and get them following as a precaution. Not hard!

Comments (2)

Social Media – News – The Fire – KPBS

October 28, 2007 at 11:47 am · Filed under Emergency, Enterprise 2.0, KPBS, Mobile Phones, NPR, News, PBS, Public Media, Social Media, Twitter, University, Web 2.0

Here is a short but informative report by NPR on KPBS’s historic use of Social Media to cover the fire. One of the key Apps was “My Maps” -

[photopress:mymapsgoogle.png,full,centered]

The Google map has had over 1.2 million hits and even the fire fighters used it as The Source. Google themlseves have been a huge help and gave support to KPBS as the load on the map increased.

[photopress:kpbsmap.png,full,centered]

I think that the fire and KPBS’s work has been a watershed for public broadcasting – their work has shown that a small station with few staff can offer the public a huge service in an emergency.

More – it also shows universities who are all struggling to find a process to help their own communities in an emergency such as the recent shootings can do so in an affordable manner.

Comments (1)

Social Media & Emergency – Update on KPBS – Lessons for Public Broadcasters

October 25, 2007 at 5:47 am · Filed under Emergency, Enterprise 2.0, Mobile Phones, NPR, PBS, Public Media, Social Media, Twitter

“San Diego’s KPBS-FM lost its main transmitter this morning as a wildfire burned Mt. San Miguel. By 8:30 a.m., its all-news coverage of the region’s multiple fires moved from 89.5 to 94.9 MHz, using a music station’s frequency lent by Lincoln Financial Media Co.” (The Current)

[photopress:cafireflickrdshot_1.png,full,centered]

Thank goodness for the loan – but by having a major online presence, KPBS, would still have been in action – so what is your Station’s Emergency plan?

In my former life, I worked for CIBC a large Canadian Bank. WE knew that if for any reason, we lost a major dealing room, we might go out of business. So we worked with our competitors and set up an emergency dealing room in several key centres. So on Sept 12, CIBC, whose office was in the next door building to WTC and was wrecked by the collapse of the larger structures, was open for business.

We live in a much more volatile world where major weather systems can take out entire states. So what about developing a state wide plan for your state? I assure you that the day after the hurricane/fire/flood is not the time to be thinking about what to do.

Social media will surely play a major role in any such plan?

Comments