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Types Of Mobile Financial Services #mobile #financial

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Report: #MOBILE #PRIVACY: Consumer research insights and considerations for policymakers #gsma

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Source and download : GSMA Claim: MOBILE USERS’ PRIVACY FEARS ARE HOLDING BACK THE GROWTH OF MOBILE APPS AND SERVICES However, lots of good data in this report to say many people are worried, however all of us think that the value of mobility and access out weights the privacy concerns. Why can we say this; well all (3.4bn) of us love our mobiles and just get on with it.

2013 Internet Trends Mary Meeker

KPCB Internet Trends 2013 from Kleiner Perkins Caufield & Byers

Turning openness into a competitive advantage @vision mobile

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Source:   http://www.visionmobile.com/ Turning openness into a competitive advantage - full PDF report here . “Open” can mean different things to different people. Standardization and interoperability (a form of openness) were among the key factors that allowed mobile telephony and SMS to scale and achieve ubiquitous cross-carrier capabilities. As long as telephony and SMS were tightly integrated with telecom networks, interoperability of services between telecom operators meant interoperability of networks. For example, for SMS and MMS to work across operator boundaries, networks of different operators must interoperate at the service layer. The transition to IP made services independent of networks and changed this fundamental assumption. IP has become a universal interoperability layer between transport networks, while interoperability at the service layer took on a totally new meaning. For example, Whatsapp could displace much of SMS and MMS traffic and achieve huge global

Moving from mobile first to touch first

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Sources: http://www.economistgroup.com/leanback/new-business-models/moving-from-mobile-first-to-touch-first/ http://www.mckinsey.com/client_service/high_tech/iconsumer “We’re seeing fundamental changes in the way people are interacting with digital media” McKinsey and Company’s research into how consumer digital behavior is changing across platforms, activities and geographies The emergence of the smartphone and tablet computing experience — it is changing where and how computing devices are used. Smaller format screens don’t just mean changing column widths, they mean rethinking the business model. Companies need to have a “mobile first” mindset when developing new content. In the early years of web browsers, there was so much angst about whether print media was doomed that newspapers didn’t know whether to dive into digital editions. Although business models are still evolving, all publishing titles have some form of website now. But a site scaled for desktop monitors isn’t the optim

great idea: Ambient Intelligence - apps that tell you what you tell them @visionmobile

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Source: http://www.visionmobile.com/blog/2012/10/ambient-intelligence-how-well-does-your-phone-know-you/ The article is not saying anything new, I just like the descriptor of “Ambient Intelligence”, what PEW called passive collection in the 2008 Digital Footprints report.

Sneaky apps and your personal data

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Source : http://www.backgroundcheck.org

Sneaky apps and your personal data

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Source : http://www.backgroundcheck.org

Sneaky apps and your personal data

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Source : http://www.backgroundcheck.org

US Mobile Data Market Update Q2 2012 #CHETANSHARMA

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This is the regular update from Chetan on the status of mobile in the US As usual a massive body of work, this is the summary Summary The US mobile data market grew 5% Q/Q and 19% Y/Y to reach $19.3B in Q2 2012. Data is now almost 42% of the US mobile industry service revenues. For the year 2012, the market is on track for mobile data revenues in the US market to reach our initial estimate of $80 billion. The US operators reversed the postpaid decline in last quarter to add almost 400K postpaid subs largely due to the strong performance of Verizon Wireless. Sprint and T-Mobile saw further postpaid declines. For T-Mobile, Q2 marked the eight straight quarters of postpaid losses. In terms of Y/Y growth, Connected Devices segment grew 21%, Prepaid 12%, Wholesale 4%, and Postpaid was flat. AT&T, AT&T, Sprint, and Verizon are number one respectively in these categories. The connected devices segment has been an area of growth for the industry but for the second straight quar

FTC views on why you should get privacy right from the start with mobile

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bus81-marketing-your-mobile-app.pdf https://www.ftc.gov/business-guidance/resources/marketing-your-mobile-app-get-it-right-start The FTC has been focused on mobile apps and the legal issues they raise, and that focus continues to be shown by the most recent guidance from the FTC. Marketing Your Mobile App: Get it Right From the Start, offers guidance to app developers regarding what the FTC believes should be done to protect consumers in the mobile world. The FTC clearly is speaking to smaller, as well as larger companies that use the mobile platforms to create apps, as the FTC clearly states up front its view that the guidance, and the relevant laws, are equally applicable to small and large companies.

Consumers Say No to Mobile Apps That Grab Too Much Data

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A  study  (Sept 12) by the Pew Research Center found that among Americans adults who use smartphone apps, half had decided not to install applications on their mobile phones because they demanded too much personal information. Nearly a third uninstalled an application after learning that it was collecting personal information “they didn’t wish to share.” And one in five turned off location tracking “because they were concerned that other individuals or companies could access that information.” A customer’s whereabouts can be extremely valuable to marketers trying to sell their wares, or government authorities trying to keep tabs on citizens’ movements. The study seems to suggest a deepening awareness of digital privacy. And it contradicts a common perception that the generation of young Americans who have grown up in the Internet age blithely share their personal details. Mobile phone users between ages 18 and 29 were equally likely to decline an application because of privacy concer

New Research Paper: Operator's Dilemma (and Opportunity): The 4th Wave @chetansharma

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Operator's Dilemma (And Opportunity): The 4 th   Wave   In 2012, the global mobile industry revenue will hit $1.5 trillion. This revenue has tripled in the last 10 years. Mobile operator’s revenue reached a new milestone at the end of 2011. The total global mobile operator revenue exceeded $1 trillion for the first time. The operator profits have more than doubled in the last 10 years. The trifecta of fast broadband networks, well-designed mobile computing devices, and the insatiable supply of content, applications, and services has unleashed consumer demand for more like never before. If we look at the history of the mobile industry, the first generation was primarily focused on voice and this era persisted for a good 10-15 years before 2G messaging and very basic data services were introduced. A decade later, data services started to become more interesting as 3G networks enabled faster access speeds and new applications. When Apple released iPhone in 2007, followed by Goo

The State Of Mobile App Privacy Policies via @JulesPolonetsky

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The Washington, D.C.-based think tank Future of Privacy Forum (“FPF”) released a study detailing the current state of mobile app privacy policies as of this past month, June 2012. The report found that many app developers are now responding to the increased pressure from U.S. regulators on this issue, and have now introduced privacy policies for their applications as well as new policies surrounding the use of customers’ private data. Study results  full pdf Table 1 sets forth the total percentage of all 150 and paid apps across three platforms:     The following tables reflect the % of total apps that provide some form of access to a privacy policy…   But more importantly, the FPF also looked into whether the privacy policy was linked to from the app store listing page and whether it was accessible from within the app itself. (See charts below). After all, what good is a privacy policy, if no one can find it? According to the report’s findings, 48% of the free apps and 28% of paid a

Mobile Developer Economics 2012 publication @visionmobile

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Developer Economics 2012 - Key Insights.pdf Download this file VisionMobile Developer Economics June 2012 www.DeveloperEconomics.com . Key messages Developers are rapidly responding to the rising popularity of tablets: more than 50% of developers are now targeting tablets, with iOS developers most likely (74%) to do so. Developer Mindshare, i.e. the percentage of developers using each platform, irrespective of the developer's 'primary' platform, is at an all-time-high 76% for Android and 66% for iOS.  Darwin ’s “survival of the fittest” model explains how BlackBerry, BREW, and Bada (Samsung) have lost Mindshare by failing to compete in terms of user reach, which is by far, consistently the top platform selection criterion for developers. In 2012, developers used on average 2.7 platforms in parallel, vs 3.2 in 2011, representing a 15% YoY drop - a clear sign of consolidation. BlackBerry comes out on top in terms of average revenue followed by iOS [M1] wit

The Clash of Ecosystems - The life and death of mobile platforms @visionmobile

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This infographic is based on the VisionMobile report “Clash of Ecosystems”, available for free download at www.visionmobile.com/Ecosystems

How Grabby Are Your Facebook Apps? source @wsj

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The original article is from WSJ and is called Selling You on Facebook and looks at many popular Facebook apps which are obtaining information about users and users' friends with the SHOCKER untone “ so don't be surprised if details about your religious, political and even sexual preferences start popping up in unexpected places.”  And is the extension of a long running series and viewpoints call “ what they know ” The WSJ has done a nice interactive page that allows you to see what data could be taken, depending on what you have agreed to. The upshot of this is that Facebook is not Free, Your Data has value and the whole UI/UX around privacy and its settings is a mess. Here is the page – have a play

The Future of Money in a mobile Age : Pew report

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Published April 12 Worth reading the predictions from Susan Crawford , Harvard professor, Google chief economist Hal Varian, Paul Jones , an internet expert Futurewei Technologies senior engineer Peter J. McCann, Microsoft distinguished engineer Christian Huitema, Peter Pinch , director of technology at WGBH, University of Illinois-Chicago professor Steve Jones, Author Jeff Jarvis, Law expert Henry Judy, Microsoft Researcher danah boyd Overview: http://pewinternet.org/Reports/2012/Future-of-Money/Overview.aspx Report pdf : http://pewinternet.org/~/media//Files/Reports/2012/PIP_Future_of_Money.pdf

Nancy Lublin: Texting that saves lives: TED talk

When Nancy Lublin started texting teenagers to help with her social advocacy organization, what she found was shocking -- they started texting back about their own problems, from bullying to depression to abuse. So she's setting up a text-only crisis line, and the results might be even more important than she expected.

Mobile Megatrends 2012 from@visionmobile

Mobile Megatrends 2012 http://www.slideshare.net/andreasc/mobile-megatrends-2012     Key Themes - Handset DELL-ification and the emerging pyramid of handset OEM - Web as the new walled garden and why the web is going back to the AOL days. - Cross-platform tools as the next challenge to the Apple/Google duopoly - The Kindelization of tablets – how Kindle is setting the rules of the tablet market - Ecosystems battle across 4 screens and how experience roaming drives user lock-in, cross-sales and engagement - Accessories as the next frontier for platform differentiation - Tools for gold seekers and how the developer gold-rush has led to a gold rush for developer tools - Reinventing the telco and how unbundling the telco is needed to compete in the software era - The future of voice, from telephony to diversity of use cases