http://www2.wowlights.com/Flash/ChristmasPackage/128ChristmasPackage.flv
Friday, November 12, 2010
Tuesday, April 20, 2010
Monday, March 15, 2010
Of Long-Tails, Innovator’s Dilemmas and Network Effects
A colleague of mine sent me this video to ponder. I especially love getting stuff from a couple of years ago that reinforce my current thinking. I’m so glad I didn’t think of it first, it means it might actually have a prayer of becoming reality!
If for some reason your browser won’t work with the embedded video, here’s the link: http://link.brightcove.com/services/player/bcpid9774584001?bctid=18884159001
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I’ve commented on the parts I think salient according to the timeline.
It is interesting to note that what Dr. Flake is actually doing is a kind of post-mortem or lessons learned. For those from cross’d the creek over yonder, it’s more liken a lesson learnt. ;-)
If anyone’s interested, I just finished the Google Story which actually goes into a lot of detail about this.
11:00 Dr. Flake offers a great analogy to explain the concepts of a Long Tail.
15:00 He gives a great overview of the Innovators Dilemma which I believe payments companies have faced multiple times.
19:45 He explains the Network effect, also known as Metcalfe’s Law.
21:20 He talks about the multi-sided network of Payors and Payees.
27:30 He gives a great example of a Payments / Transactions –> Analytics –> Insights virtuous circle which one can draw back to customers at the top.
29:00 He too surmises that Payments eventually can and will be FREE. A novel concept. Listen carefully as to why though… He’s crazy, right? ;-)
32:00 Will the Payment’s company go the way of the encyclopedia salesman? Interesting question!
Thursday, February 25, 2010
Free to Grow. Made to Stick. How to be successful.
Ok, so I’ve just finished reading FREE and it reminded me I needed to refresh (and really finish) Made to Stick. I’m doing that now, and I figured I’d capture the thoughts before they left me while I’m at it.
Now that it has finally hit the web, I can reference the wired article about Money wanting to be FREE. forget about TwitPay, that’s not the point… How do we turn more fees into FREE to help our clients GROW? We already compete with FREE whether we want to admit it or not. It will either kill us, or make us stronger.
Now that it has finally hit the web, I can reference the wired article about Money wanting to be FREE. forget about TwitPay, that’s not the point… How do we turn more fees into FREE to help our clients GROW? We already compete with FREE whether we want to admit it or not. It will either kill us, or make us stronger.
Friday, January 29, 2010
ACM Computers, Freedom and Privacy 2010 Call for Proposals
The 20th annual ACM Computers, Freedom, and Privacy conference (CFP 2010) will take place June 15 to 18 in San Jose, California. With the theme "Computers, Freedom, and Privacy in the Networked Society," the conference seeks to address how constant connection in social, communication, information, and physical environments impacts freedom and privacy, and how computers can be used to improve freedom and privacy. A diverse set of panelists and new voices will offer a number of perspectives on challenging issues, and explore cutting-edge technology, legal, and policy issues. Possible topics include social networks, cloud computing, surveillance networks, anonymity in a networked world, ethics and computing, accessibility, open source, and media concentration, advertising, and political campaigning on the Internet. The final program will be assembled partly from the proposals. The final deadline for proposals is January 31, 2010.
Proposal Abstract
The Case for Proactive Personal Information Brokering, or, "even if you aren’t on the internet, I really can find out if you are a dog!”
“The power of hiding ourselves from one another is mercifully given, for men are wild beasts, and would devour one another but for this protection.”
Henry Ward Beecher, "Proverbs from Plymouth Pulpit", US abolitionist & clergyman (1813 - 1887)
In the age of digital data, exformation emissions can be asdangerous, problematic and costly as their atomic carbon counterparts. What are exformation emissions? Exformation in its simplest form refers to the infinite set of observable data that is, by definition, explicitly discarded or implicitly not captured, stored or otherwise available for future retrieval or analysis. Paraphrasing Tor Nørretranders, the Danish physicist, exformation is the shared cultural, conceptual or cognitive context without which communication would be impossible.
Today, people, products and places carry or have about them, or sometimes implanted in them, devices capable of of either passively or actively emitting useful data which can be observed with the appropriate means. People carrying items such as computers, cell phones, watches or personal media or gaming devices are often completely unaware of the data transmissions being produced by their digital assistants. Certain types of radio frequency identification cards, contactless credit cards, “smart” passports, security badges and medical devices all all capable of emitting data signals. Some people actually have these “chips” or RFID “tags” implanted in their bodies for tracking and authentication applications very similar to the pets and livestock of modern life. Locations have both external geospatial telematics capabilities like GPS as well as both mobile and fixed networks for a variety of localizability applications.
For the most part, much of this emitted data is harmless noise. However, there is an increasing amount of contextual and individually useful data that, if captured, could become beneficial or harmful depending on the capturer’s intended use. Using readily available off-the-shelf technology, it is possible to create an even more oppressive if not equally frightening view of the future as portrayed in the dystopian future scenarios of such classics as Lucas’ THX 1138, Brazil and Orwell’s 1984. “Joe the Plumber” jokes aside, the notion of “Big Brother” isn’t as scary to this author as is the notion of “Big Database”. All three of these pieces offer great insights into possible misuse of digital data, and this paper seeks to provide a framework for candidate solutions. The notion of portable subscribable personas, brokered credential vaults, and the democratization of the tools of reputation will all be discussed.
A quick search of one’s self on an identity search aggregator like pipl.com will quickly dash any sense of personal privacy, whether one is a digital native, immigrant or a reluctant old-world digital denier. Even those that have never had an email account, never logged into a website or owned a mobile phone can be found.
There is an opportunity for the future defenders and issuers of identity to become the brokers, protectors and defenders of the management of access to one’s personal identity, citizenry, healthcare, financial, educational, vocational, geospatial, association and affiliation, reputational and loyalty information.
Proposal Abstract
The Case for Proactive Personal Information Brokering, or, "even if you aren’t on the internet, I really can find out if you are a dog!”
“The power of hiding ourselves from one another is mercifully given, for men are wild beasts, and would devour one another but for this protection.”
Henry Ward Beecher, "Proverbs from Plymouth Pulpit", US abolitionist & clergyman (1813 - 1887)
In the age of digital data, exformation emissions can be asdangerous, problematic and costly as their atomic carbon counterparts. What are exformation emissions? Exformation in its simplest form refers to the infinite set of observable data that is, by definition, explicitly discarded or implicitly not captured, stored or otherwise available for future retrieval or analysis. Paraphrasing Tor Nørretranders, the Danish physicist, exformation is the shared cultural, conceptual or cognitive context without which communication would be impossible.
Today, people, products and places carry or have about them, or sometimes implanted in them, devices capable of of either passively or actively emitting useful data which can be observed with the appropriate means. People carrying items such as computers, cell phones, watches or personal media or gaming devices are often completely unaware of the data transmissions being produced by their digital assistants. Certain types of radio frequency identification cards, contactless credit cards, “smart” passports, security badges and medical devices all all capable of emitting data signals. Some people actually have these “chips” or RFID “tags” implanted in their bodies for tracking and authentication applications very similar to the pets and livestock of modern life. Locations have both external geospatial telematics capabilities like GPS as well as both mobile and fixed networks for a variety of localizability applications.
For the most part, much of this emitted data is harmless noise. However, there is an increasing amount of contextual and individually useful data that, if captured, could become beneficial or harmful depending on the capturer’s intended use. Using readily available off-the-shelf technology, it is possible to create an even more oppressive if not equally frightening view of the future as portrayed in the dystopian future scenarios of such classics as Lucas’ THX 1138, Brazil and Orwell’s 1984. “Joe the Plumber” jokes aside, the notion of “Big Brother” isn’t as scary to this author as is the notion of “Big Database”. All three of these pieces offer great insights into possible misuse of digital data, and this paper seeks to provide a framework for candidate solutions. The notion of portable subscribable personas, brokered credential vaults, and the democratization of the tools of reputation will all be discussed.
A quick search of one’s self on an identity search aggregator like pipl.com will quickly dash any sense of personal privacy, whether one is a digital native, immigrant or a reluctant old-world digital denier. Even those that have never had an email account, never logged into a website or owned a mobile phone can be found.
There is an opportunity for the future defenders and issuers of identity to become the brokers, protectors and defenders of the management of access to one’s personal identity, citizenry, healthcare, financial, educational, vocational, geospatial, association and affiliation, reputational and loyalty information.
Friday, January 22, 2010
Exformative Friday morning musings
Smart Money 2010: What’s Next in Global Payments?
1. Exabytes of Exformation: The Value of Analytics
2. Mobile Manifesto: The New Mobile Wallet and cloud-based Money
3. The Ubiquity of Mobile and Pervasive Devices
4. Small is the New Big: The Next Generation of Micropayments
5. Payment Streams, the Payment Attribution Registry and its Application
6. Portable Reputations, Transparency and Virtuous Reviews
7. The Virtuous Circle of Commerce: Search, Select, Discuss, Buy, Review
8. Vision of a cloud-based payments engine
9. The Enterprise User Experience: The Modern Self-service Channel
10. Merchant Feedback: A killer value added transaction service
11. Automagic Expenses: A killer commercial card application
12. Healthcare Payments Automation: A 21st Century Solution
13. Exforming Consumption: Survey of current social consumer sharing sites, blippy, yelp, ebay, amazon, Angie's list, boohrah, google, yahoo and bing.
14. Search-to-Purchase: The start of the Virtuous Cycle of Commerce.
15. The Democratization of the Tools of Personal Finance: Why we need less IRS, banks and regulation and more mint.com, TurboTax, and fiscal freedom.
16. Device Hybrid - The case for a universal card and the cloud that has your back.
17. Inverting the Prosumer Profile Relationship: Democratizing the tools of Reputation
18. Subscribable Personas: Getting paid not to get lost.
19. Moore & Metcalfe – Better, Faster, Cheaper, Everywhere.
20. The new self-acquired terminals - MPOS for the People
21. Standards, standards, everywhere, but nary a company to think
21.1 ISO20022 - The Global Supply Chain, B2B integrator
21.2 ISO14443 - NFC/RFID Universal Payments + Brandmark
21.3 XML webserivces, HTTPS, SSL, ESN & USIM
22. 9 Dimensions of Security
22.1 Multi-factor Authentication
1. Exabytes of Exformation: The Value of Analytics
2. Mobile Manifesto: The New Mobile Wallet and cloud-based Money
3. The Ubiquity of Mobile and Pervasive Devices
4. Small is the New Big: The Next Generation of Micropayments
5. Payment Streams, the Payment Attribution Registry and its Application
6. Portable Reputations, Transparency and Virtuous Reviews
7. The Virtuous Circle of Commerce: Search, Select, Discuss, Buy, Review
8. Vision of a cloud-based payments engine
9. The Enterprise User Experience: The Modern Self-service Channel
10. Merchant Feedback: A killer value added transaction service
11. Automagic Expenses: A killer commercial card application
12. Healthcare Payments Automation: A 21st Century Solution
13. Exforming Consumption: Survey of current social consumer sharing sites, blippy, yelp, ebay, amazon, Angie's list, boohrah, google, yahoo and bing.
14. Search-to-Purchase: The start of the Virtuous Cycle of Commerce.
15. The Democratization of the Tools of Personal Finance: Why we need less IRS, banks and regulation and more mint.com, TurboTax, and fiscal freedom.
16. Device Hybrid - The case for a universal card and the cloud that has your back.
17. Inverting the Prosumer Profile Relationship: Democratizing the tools of Reputation
18. Subscribable Personas: Getting paid not to get lost.
19. Moore & Metcalfe – Better, Faster, Cheaper, Everywhere.
20. The new self-acquired terminals - MPOS for the People
21. Standards, standards, everywhere, but nary a company to think
21.1 ISO20022 - The Global Supply Chain, B2B integrator
21.2 ISO14443 - NFC/RFID Universal Payments + Brandmark
21.3 XML webserivces, HTTPS, SSL, ESN & USIM
22. 9 Dimensions of Security
22.1 Multi-factor Authentication
Tuesday, January 19, 2010
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