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Smart Wallet Coming from Google

The Smart Wallet is coming says the Herald this morning.

I’m sorry but I have to laugh. A number of us have been trying to convince Vodafone and Telecom in New Zealand to do this for years. All I used to hear was ARPU and its not core business, while I was saying imagine having half a percent of the revenue. It’s a ubiquitous device people, your mobile is the only thing you always have on you, perhaps besides your wedding or engagement ring.

Ericsson had a proof of concept drinks vending machine in Auckland where you could  text for a drink at least 15 years ago. New Zealand used to be a centre of excellence for Voda back then. NZ was the first to mass adopt EFTPOS in the world, many other firsts, but then we fell asleep. ARPU doesn’t just have to be about data and voice revenue people. Ask eBay what business they are in, its not selling products, its financial services and transaction facilitation, I’m sure they say it better.

Sometimes its hard getting people to listen at the bleeding edge, but imagine if you had listened way back then, which was before Google sets up workspace in Susan Wojcicki‘s garage!

I remember loads of coversations with people like Adam Clark at M-Com, going back even to our days at Advantage back in the late 90′s, along with other members of the Wireless Data Forum where we worked hard to try to drag people into the future such as in this Herald story from the turn of the millenium.

Sorry folks its soap box time. We have so many clever people in this country and yet our leaders don’t recognise the opportunities to cash in on their expertise and knowledge. Years ago we lead the world in many ways including banking  and financial systems, EFTPOS, retail barcode scanning and much more. We still have the expertise, but we seem to have dropped into a spiral of this is the way we do business, its prudent, reliable and safe. Or perhaps they are saying that ots too late because Google is already doing it. But guys, we told you to do it before Google existed. Google isn;t forever and it doesn;t mean that noone can get great ideas of the ground.

If you follow publications like Harvard Business Review, Futurist Magazine and other forward looking publications, they will tell you that your greatest assets are your people, your staff. When was the last time you sat down and asked them what they thought, right down to the intern who’s pushing the mail cart? Why do so many people leave their companies because they feel they can do it better? Recent surveys say half of Kiwi workers want to leave their jobs. It wasn’t all about pay as the following quote shows:

“Asked what they most wanted to improve about their workplace, employees’ top gripes were “systems and processes” (41 per cent), communication (39 per cent), and rewards and recognition (38 per cent).”

There are those who make things happen, those who watch things happen and those who wondered what happened. There are also those who said it would happen but couldn’t get people to pay attention until after it happened. Of course being first doesn’t mean being best or being dominant.

Now as to testing with NFC. I watched a demo with NFC in the Netherlands in 2009 and it was cool. There were 2 phones in Europe at the time that had NFC, both from Nokia. Now that Vodafone is going to have a look at NFC in NZ, how many models of phone do we have that support the technology today? How long would it take before an early majority of people had a capable device? Just because Google is looking at NFC, does that make it the best technology? Are there alternatives? If we were best placed to implement mass adoption of EFTPOS and bar code scanning, could we be well placed for m-Commerce on mobiles? Ask Rod Drury or Adam Clark.

I’m just saying……………

September 21, 2011 Posted by | banking, disruptive technology, economics, finance, future technology, futurist, GDP, government, ICT, IT, mCommerce, mobile technology, new zealand, nz herald, Telecommunications | , , , , , , , , , , , , , , , , , | 1 Comment

Electricity, disasters and Feed In Tariffs

I’ve been itching to write more about FIT for ages as you will know if you have been reading my blogs. If you didn’t, my last blog was pretty much a summary of my thoughts which started with the Christchurch earthquake.

Prior to that for a few years I have been wondering why a ‘clean green’ country like New Zealand only went so far as to provide subsidies for roof insulation and clean heating. Where is the NZ Green Party on FIT, I asked 2 years ago. I’m not even sure where the party is on much at all at the moment and its election year, when National has launched its new policies on oil and gas and other efficient power sources like coal.

In fairness I do have to acknowledge that Environment Minister Nick Smith did through caution to the wind at the NZ Wind Energy Conference this month, but he also made the point that you need windy places and probably also noted the frequent opposition any time someone wants to set up a wind farm. Personally I like them and if they are silent, I wouldn’t have a problem looking up at them on a hill somewhere.

Dutch windfarm

I have 2 interests here, the first one is renewable energy in the form of solar panels, with the ability to feed power into the grid, but also the ability to make individual households and businesses more resilient in times of crisis.

The common thread anywhere in the world when there is a disaster is that the power goes off. In my recent posts this month I have discussed a whole range of issues where we are so reliant on electricity today that there are a variety of problems after the crisis is over.

I want to again acknowledge the heroism of electricity workers and supporters who risked life and limb to get things up and running as quickly as possible.

Anyway, back to my story. Imagine if we followed on from the subsidies to put insulation into our roofs, by offering subsidies and Feed In Tariffs for installing solar panels on the roofs. This is something we should be doing anyway, but imagine if a large number of people were still able to have at least some electricity when the grid is down. They would still potentially have phone communication, they would have lighting, heating, the ability to wash themselves and much more.

We could find ourselves with a renewable energy source that doesn’t pollute, makes people much more aware of power consumption, involves the community and provides greater resilience while allowing us to get closer to meeting our commitments to reducing carbon waste that we so obligingly adopted with the Kyoto Protocol.

It has been said that I am wont to be verbose. I don’t necessarily want to change that because I am intensely interested in what I write about, however I don’t want to lose you dear reader (borrowed that from Stephen King). So here’s what I’m going to do. I am going to write an new series of shortish blogs on the benefits of FIT for New Zealand in the hope that more people will understand the massive potential benefits to New Zealand and put some pressure on the politicians and energy authorities to do something about it.

I’ve done some reading on the topic and found the paper by Miguel Mendonca of the Birkbeck Institute of Environment, Birkbeck College, University of London particularly helpful. He also wrote the book Feed-in-Tariffs Accelerating the Deployment of Renewable Energy. You can find more information here. He discovered that FIT could work in the UK, that it had many positive benefits above and beyond the basics of a renewable energy source and I plan to discuss some of these from a New Zealand context. I also find it interesting that some people (who perhaps are the ones who wanted Henry Ford to breed faster horses instead of horseless carriages) say there is not enough sunlight in NZ to create an acceptable level of energy. Kiwis who go to UK for their OE’s don’t often come back recounting stories of endless sunny days.

So lets explore what FIT’s and solar power can do for NZ, for our resilience, for our GDP, for our commitment to the environment, for industry, for entrepreneurs and to generally show the world that we are in fact as green as we say we are. There are some amazing benefits to be had along the way.

Please come back and check out what I have learned.

Doesnt look that shabby

April 15, 2011 Posted by | blogs, Business, carbon, carbon footprint, communications, community, conservation, crisis, earthquake, economy, ecosystem, education, elections, global warming, government, greenhouse, Health, investment, Kiwi, kyoto protocol, Lifestyle, new economy, new zealand, oil, people, politics, Renewable Energy, research, soapbox, sustainability, technology, Telecommunications, the future, Tsunami, Uncategorized, weather | , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , | 3 Comments

How Did the Telco’s Do in the Christchurch Earthquake

So when the quake hit Christchurch, what happened to telecommunications? Naturally in an emergency people need to communicate and there were some interesting situations. In an earlier blog I wrote about your emergency kit. So here are some interesting lessons from Christchurch and any other emergency situation:

Without electricity portable phones don’t work. If your phone requires a transmitter from the junction box to your portable, it’s not going to be transmitting anything. Many people still had copper phone lines even though they didn’t have electricity. Analogue phones still worked and Telecom in my opinion did an awesome job getting people to donate their old phones and shipping them down to Christchurch. I wonder if anyone has taken up the opportunity to start importing old style analogue phones into New Zealand, it must be a great medium term revenue opportunity!

Analogue Phone

With today’s Smartphones, not only did everyone rush to use their mobile to call their loved ones to check if they were ok, they were using mobile data, social networks, tweeting, sending photos and even video, which the media wanted to gobble up, but which clogged the networks for people wanting emergency services. I think the Telco’s did a pretty good job of getting generators to Christchurch and keeping comms up as much as possible, but they have created a bit of a monster that is only going to get worse. In chasing ARPU (Average Revenue Per User) they encourage us to find every possible way to connect on our mobiles, but then what happens if the mobile network gets congested? Obviously they need to work on increasing their emergency capacity as well as normal usage. They are our lifeline. How were they for you?

As I also mentioned in the emergency kit blog, if you’re trying to do all the things I mentioned above, your mobile battery is going to go flat and if you have no electricity that becomes a major problem. New Zealand has been way behind the rest of the world, or perhaps Kiwis haven’t figured it out yet, but we need alternative ways of recharging our mobiles in the absence of an electricity supply. There are lots of products that will allow us to do that. Car kits if we have access to a car. There are kits that allow you to use those conventional batteries you keep in your home and getaway kits (do you?) and also devices that hold enough charge for 2 or 3 charges and then get thrown away. I have one of those for my iPod which I purchased at San Francisco Airport, its brilliant!

Ipod Charger

April 5, 2011 Posted by | communications, community, consumer electronics, earthquake, ICT, internet, iphone, mobile technology, new zealand, people, Poll, Telecommunications, Uncategorized | , , , , , , , , , , , , , , , , , , , , , | 1 Comment

What About Your Community in an Earthquake?

How well do you know your neighbours? If you’re in a rural area, probably pretty well, but the suburbs these days are becoming more and more impersonal. Back in the day if you saw a neighbour doing some work in their back yard or putting in a driveway, you would put on some appropriate clothing and go and help them out.

Today many of us don’t even know their names. There are groups who set up neighbourhood watch programs to help reduce crime in the area. I’ve coordinated a couple of those over the years and I’ve even found that if you have neighbours who you think are a bit dodgy, they will often be there for you if they fee you are not looking down on them.

In a case of do unto others, even if you haven’t made contact before an emergency, when one starts is a great time to start. There were many cases in Christchurch where people contacted the media and message boards worrying about elderly or infirm relatives who lived in the area on their own and hadn’t been heard from. Many older people may not own mobile phones and without electricity they can’t be contacted.  The Red Cross were one of a number of organisations who helped with coordinating the location of missing people.  The military and S&R also looked for people, but often time is important especially if people are injured, so its a good idea to check on your neighbours once your own safety is assured.

Food is another issue. With no power, many perishables could go to waste. Some people will have more than others, some may have gas BBQ’s and can cook without power. In Christchurch many people got together and pooled their resources and in doing so got to know neighbours they had never met before.

Christchurch BBQ

There were many cases where people with phones were able to help those without, to let their friends and family know they were all right. When roads were unusable, there were people with bikes and motorbikes who were able to get out and help bring people back together.

I covered a lot of information in my previous blog about getting your own household in order many of which also apply to your community. Your neighbours are your community and by pooling resources and caring for each other, the burden will be much easier. This has been shown everywhere in an emergency. Now would be a great time to start before you need them to get an understanding of the dynamic, elderly people on their own, young families that may get split up and so on. Crises bring communities together and something good can come from them, even if it just psychologically knowing there is someone there if needed.

Disasters like the Christchurch earthquake, the Australian floods, the Japanese earthquake and tsunami are devastating and tend to bring out the best in people, but by being a little more prepared, we can do even better. If you don’t have a list of who your neighbours are and their contact details, especially their mobiles, why not go next door now and introduce yourself. Even if there is no emergency, you can keep a friendly eye out for them and they will do the same for you.

April 2, 2011 Posted by | community, crime, crisis, earthquake, elderly people, family, Health, Lifestyle, new zealand, people, Retirement, Telecommunications, Uncategorized | , , , , , , , , , , , , , , , | 1 Comment

Getting Your Household Ready for an Emergency

Christchurch City Council has a really good list of things to prepare in an emergency and if any area knows what to do, it’s them. Hindsight is a wonderful thing and its a good idea to learn from someone else’s hindsight.

It seems obvious, but there is a lot more to it than you might think off hand.

Food. What happens if you can’t visit a grocer for a couple of weeks? What if there is no power? What if you have no water coming from the tap or it isn’t drinkable? If there is no power you can’t boil water. Do you have babies who need special foods? What about pets?

Cash. This was another major in Christchurch, no power, no comms, no EFTPOS. What happens when you need to rush to the store for last minute supplies? How much cash does anyone carry these days? Really obvious when its too late!

Gas for the BBQ is well worth it. Is your cylinder full? Lots of people will leave them over winter unless they also use the cylinder for other things, like a heater.

Medicine. If you can’t get to the doctor or the pharmacy and you use regular drugs, how long can you go without repeats or a new script? What state is your first aid kit in, what about regulars like paracetamol, bandages, antiseptics, slings? Do you have a St Johns or other first aid book? In many emergencies face masks would also be worth having around.

How many things do you have that need batteries? Torches, radio’s, emergency lights, many people only have battery powered can openers. How about your mobile phone, can you charge it if you have no electricity? A product like Cellshot might be worth investing in. Its great to see products like that available in NZ now. Of course candles and matches or lighters are also a must, something that non smokers may not have.

What about your camera? It struck me that it would have been a great idea in Australia with the floods if you could prove what you lost to the insurance companies before things got thrown out. A digital camera would make life much easier when it comes to rebuilding.

While I’m on mobile phones, I never thought about the fact that I couldn’t use my landline when there is no power. It’s well worth having an analogue phone in the house as they are powered by the exchange. Telecom did a great job in helping people donate their old phones to people in Christchurch. There’s a good business opportunity for someone to bring in new analogue phones for emergency back up.

Water is essential for so many things, cooking, drinking, washing, hygiene. Many disasters could mean that very quickly none of the water in your taps or house is usable. Some bottled water will keep for a year or more, but it also needs recycling or rotating.

Meetup plan. A number of friends in Christchurch had family members all over the city. It would be a great idea to have a plan on where to meet if people get separated, a public place, with common friends etc.

Getaway Kit. What if you had 5 or 10 minutes and had to leave in a hurry? What would you take with you? Lots of people have ended up with nothing in an emergency.

Do you have precious heirlooms? Special family items like photos, videos, jewellery etc that can’t be replaced? Do you keep them somewhere safe. Many of us have multilevel homes? If that’s you are those special things at ground level or up high? I have plastic bins that I bought from the Warehouse that stack and seal. They were only around $20 each and all my precious things like letters from grandparents etc are safely protected from the elements. Do you have your computer backed up? All those digital photos? where do you keep your backup?

The point is that these are all logical and simple things to do, but very easy to wish you had done once its too late.

March 28, 2011 Posted by | accidents, auckland, crisis, earthquake, Food, Health, medicine, new zealand, people, storm, Telecommunications, Uncategorized | , , , , , , , , , , , , , , | 3 Comments

Comparison Shopping

Comparison shopping on mobile devices has been around for a long time. I first saw apps pop up for Palm many years ago even before I had Bluetooth connectivity. Today things are even easier because of devices like iPhone and Android.

A couple of weeks ago I was listening to a Harvard Business Review Ideacast podcast with John Donahoe , which was refreshing  in itself because John had a refreshingly clear vision and understanding of what eBay is as a business, which is not about selling stuff on eBay. Have a listen for yourself. Any business should understand what it really does in order to be able to do it well. For example if you think a grocery store is there to sell groceries, or a car lot is there to sell cars, then you need to listen to this interview.

Anyway, he was explaining why eBay bought the company Red Laser, which reads bar codes through the camera on your iPhone or Android and lets you see information about the product and compare pricing at both other retailers and websites, such as Amazon and of course their new owner eBay.

This is really exciting, especially in countries like New Zealand where items such as books, which I buy a lot of, are really expensive, so shopping around makes a lot of sense. In that area, I have to say that locally I buy on impulse, when I see something I really want or when its on special. They are just too expensive otherwise. Of course if I had an iPhone or an Android, I could check in real time and see if it is worth buying now or paying the postage from the US.

It was really sad to hear that Borders is likely to file for Bankruptcy this month. They really are my favorite bookstore by far, even though I have complained that in NZ since Whitcoulls bought the local franchise, they are slowly turning them into bigger versions of Whitcoulls which pretty much defeats the purpose, although this situation may vindicate them.

One of the arguments sited for Borders’ woes is their failure to prepare for the growth of the eBook market. This may be true to some degree and it is inevitable that print media will follow the music industry. I’ve blogged about this before, which you can find if you dig into my tags. Print is expensive but there are lots of things that you can do. eBook readers is one, but for Borders I would have thought a great opportunity would be Print On Demand, because this can still  be done via the store and allow access to massive stocks without worrying about the costs of shelf space and aged stock.

Whoops, off on a tangent again. I was talking about comparison shopping. Yes there are loads of applications available, I’ve only picked on one. Mashable has a huge number of blogs on this topic if you want to find more.

So have a look at the Red Laser site, to see what what they are all about and watch the short video below from DizzyDougTV to see how cool this is. You don’t need a bar code reader, just the camera on your SmartPhone. Damn I do have to get an iPhone or an Android soon! Maybe I should set up a website with a PayPal (another eBay subsidiary) link called by Luigi a Smartphone:) Would you donate?

Footnote, a lot of people think of Smartphone apps as being the domain of men, but for women who love sales and special deals, this is one for you. I’ll leave the last word to CHIP Chick.

February 5, 2011 Posted by | advertising, Android, Business, consumer electronics, disruptive technology, ebooks, economics, entertainment, future technology, ICT, internet, iphone, IT, marketing, media, Mobile LBS, mobile marketing, mobile technology, music, new economy, new zealand, people, podcasting, reading, record company, retail, technology, Telecommunications, the future, Uncategorized | , , , , , , , , , , , , , , , , , , , , , , , , , , , | 2 Comments

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