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Black Swans, Payments and 1982

Black Swans, Payments and 1982 | Mobile | Scoop.it
Actions in the aftermath of the recent merchant data breaches have demonstrated the potential dangers that extend beyond simply not improving payments-data security. Knee-jerk reacting is another, and that appears to be what Target’s doing in saying it will push hard now for EMV card acceptance. A look at how we’ve progressed technologically since 30 years ago, when EMV was first introduced, suggests it’s time for the US payments industry do the same and skip EMV.
Chris Crafford's insight:

Great post by Karen. To build solutions for the future we need to be using the best technology we can build today, not lean back on 30 year old concept that solved a different problem.  With all due respect, Retailers have generally not been at the bleeding edge of Technology, with the primary exception of Amazon, and the likes of Starbucks who is leading the pack on use of mobile payments.

 

I agree with Karen that we should not pick this almost ancient technology solution, EMV, because one big retailer had a significant flaw in their security infrastructure that allowed it to be penetrated by a virus, that set up the theft.  We must pick the solution that leverages our future, which is mobile. Apple, Google and other significant players are clearly laying the foundation for potential proprietary mobile solutions, but the world will be better served by an open, public standard. Maybe we need a few credible proprietary solutions first to lead the way.  The solutions that consumers embrace will be the winner.  May the best solution win!

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Why mobile stock is the future of the industry. | Thoughts of a Bohemian

Why mobile stock is the future of the industry. | Thoughts of a Bohemian | Mobile | Scoop.it
Chris Crafford's insight:

Mobile is changing everything for us all.  While you may not agree with the prediction in this post, the forces that may make this happen are clear. Content delivery is moving to mobile devices at a very rapid rate. Most younger consumers are not interested in paper content.  It must be digital and on whatever device they have in their hands. The interesting this about this Stock industry is that it is being transformed not just by what the consumers wan't but the whole content creation process is being disrupted by mobile too. High quality content is now being created entirely on mobile devices and being done very quickly. So the idea of "Stock on demand" from mobile devices is very realistic. I know some photographer are crying that you will need to pry their DSLR from the cold dead hands, but if they want to stay in business much longer they will need to make the shift. The change is already in motion.

 

Other industries will face the same disruption. The winners will be the ones that can spot them early.

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Apple's Schiller: iPhone was a 'bet the company' product - CNET News

Apple's Schiller: iPhone was a 'bet the company' product - CNET News | Mobile | Scoop.it
During the multimillion-dollar damages retrial versus Samsung, the marketing exec says nowadays 'almost everyone' at Apple works on the device. Read this article by Shara Tibken on CNET News.
Chris Crafford's insight:

If you want to be a mobile first company you and all the employees need to live mobile too.

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Bigger than Google Fiber: LA plans citywide gigabit for homes and businesses

Bigger than Google Fiber: LA plans citywide gigabit for homes and businesses | Mobile | Scoop.it
Free broadband for all, and gigabit for those who can afford it.
Chris Crafford's insight:

While I understand the good intentions of this project I have to seriously question the time and cost given the rate of change in technology.  Laying new fiber on such a broad scale is expensive and time consuming.  In parallel wireless technology is gaining speed in massive leaps with every new generation of chips and software. LTE Plus and the later generations of Mobile technology after that will deliver quality and very high speed very soon.

 

My personal view is that we could be a totally wirelss world in the next 5 to 8 years (at least inthe US), not needing to ever connect any device to a physical newtork, including the cable in your home going away.  

 

Right now the biggest barrier to the widespread use of wireless is cost.  Once the carriers figure out how to deliver high quality, high performing wirelss connectivity at the right price, network cables will rapidly dissapear.

 

Bring it on.  No more fighting with the cable company about their high cost and poor service.  I can't wait.

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4 Reasons Your Business Needs A Mobile Development Platform - InformationWeek

4 Reasons Your Business Needs A Mobile Development Platform - InformationWeek | Mobile | Scoop.it
4 Reasons Your Business Needs A Mobile Development Platform
InformationWeek
In order to rapidly innovate and remain competitive in a mobile society, an organization must have a comprehensive mobile app development platform.
Chris Crafford's insight:

Mobile is transforming everything at a pace most companies cannot appreciate.  Complete industries are being transformed as we watch. If you are not acting already to deliver your services via Mobile platforms it is possibly alreayd too late. Competitors and startups are ahead of you already.

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