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……………

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Air NZ Customer Service

I was going to blog about 3D Bio-Plotting today and if this is of interest to you, bookmark or subscribe to the RSS feed. This is going to be a very exciting disruptive technology that has the potential to have a huge impact on our life expectancy and the health industry.

In my last blog I wrote about how John Donahoe, CEO of eBay has a good understanding of what business eBay is in and it isn’t helping people buy and sell things online, or about their recent purchase of Red Laser for comparison shopping.

I wonder if Air New Zealand really understand what their business is at times. If you read their Vision Statement and Guiding Principles, it doesn’t say anything about the travel experience, or about the social relationship with customers or being the facilitator of people’s dreams. In fact a lot that Air New Zealand does is about that, but at times they seem to lose track of that and of course their major focus is on delivering a dividend to their share holders. The bottom line is people do business with people, like me. Individuals who have feelings, not just bums on seats as they say in the hospitality business.

In What Would Google Do, by Jeff Jarvis, still one of my favorite books, this is what he says about airlines:

Air travel’s business model today is based on overselling seats, billing us for checking bags, charging us for pillows and pretzels and just about everything they can think of but air………………. Does that sound familiar. I know it is hard to run an airline profitably, but as someone who has traveled around the world at least a dozen times, there have been many years where I spent 4 months of the year travelling, I understand that traveling is stressful and tiring and little things like being stuck in transit at San Francisco Airport for 8 hours because the Air NZ counter doesn’t open till 90 minutes before the flight and they don’t have an interconnect deal with their partner Lufthansa can be frustrating. They don’t engender loyalty, which I can assure you cost them a lot of money from me from time to time. I have also declined the two invitations to take out an Air NZ Platinum American Express Card. Why would I support an organisation like that, which doesn’t put me first?

Anyway, I started this blog because of frustration over my latest experience with Air New Zealand. Now I have to say that all the people I have spoken to at their service center have been friendly and polite and helpful to a point. But they fall down on some simple things like detail.

So here’s what happened. Last year my wife an I booked flights to Sydney to attend a wedding in Hunter Valley. Prior to the wedding, we were told that my father in law had weeks to live as he had a recurrence of cancer that he was not going to beat. We had to cancel the flight for which we paid $944.20 including taxes and Air NZ said that due to compassionate grounds they would hang on to our money and allow us to rebook at a later date within 12 months, which we thought was reasonable.

I re-booked in January for a trip at the end of this month (I have flown with Air NZ a number of times since then including a trip to Rarotonga in October). I gave my credit card details for the $150 re-booking fee (for 2 of us). Yesterday I went to print off the tickets and organize travel insurance and there was no email. I rang the call centre to find out why and after being transferred and disconnected and waiting a while to speak to someone again, I was told that the flights had been cancelled because they hadn’t been paid for. I was flabbergasted. I gave her my credit card details on the spot, but on checking yesterday, my card account had not been debited. I have already paid in advance for accommodation and we had both applied for leave etc and made arrangements to meet friends over there etc.

Anyway, the nice friendly chap I spoke to went and spoke to his supervisor and apparently, they can still get us on the same flights, but it would now be more expensive for the transfer fee of the tickets. They wanted to talk to the call center person who arranged the booking for us and she is not back until Monday, so they will get back to me on Monday or Tuesday.

So here’s the thing. I have no certainty for one or two more days that I will in fact get those flights and I may have to pay more for my tickets than the extra $150 which in itself would mean that we are paying $1,094.20 for 2 return flights to Sydney from Auckland, at the same time that Flight Center is offering one way tickets for $79 plus taxes (including one bag) at their travel expo.

I can’t believe that the supervisor couldn’t have just authorized the deal on the spot and taken my credit card details once again. What does it cost them for their time to document the discussions, chase the previous consultant who I believed had booked my flights, confirm back to the consultant who I spoke to yesterday and then have him ring me on my mobile to hopefully tell me they will honor the arrangement we had made in the first place. My cost is of course stress for myself and my wife as to whether we will be on the flights booked, that we won’t lose the money we prepaid for accommodation and so on, and it certainly sours our anticipation of a nice little holiday.

On top of that Air New Zealand have had the use of just under a thousand dollars of our money for free for a year. Wouldn’t it have been cheaper and more expedient to just say, sorry, something has gone wrong here, we can’t explain it, but if you will give us your credit card details again, we will send you a confirmation email in around 15 minutes. We hope you enjoy your trip with Air New Zealand. Then I would be writing a blog saying how wonderful and caring Air NZ was, even after they had clearly slipped up. It’s been my experience that often its not the problem but the way it is dealt with that makes all the difference. Frequently when a company has a problem and deal with it well, they will end up with more loyal clients than they would have had if the problem had not occurred in the first place.

OK, I’ve had my vent and will let you know if Air NZ fix things for me or not.

In the meantime, what about your experiences with airlines. What do you think of their visions and their customer service? Do you feel they have a good balance between customer service and shareholder satisfaction? Are you loyal to a particular airline? Why?

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.

Talk about, Slot Music, Talk About

New York, Paris, London, Munich

Everyone’s talking about, Slot Music.

At least, it finally hit the NZ Herald today . Beaten by downloads affecting retail store sales, major record companies inlcuindg  Sony BMG, Warner and EMI have decided to make their music more accessible by putting it on 1GB Micro SD Cards.

They plan to still put them into CD cases and say that with the extra space, they can include the liner, liner notes and other information. They will be DRM free and you can even play your music on your computer by using the Micro SD Card with a dongle. The music will be in MP3 format at 320kbps they say on the info site, which they say is very high quality music. Really?

The say that hundreds of millions of phones, Personal Computers and in the future lots of car entertainment sytsms will be able to listen to this music.

Well hello! Do you think we consumers are thick? Let’s go back to the future and do a different thing in the same way and charge a premieum for convenience.

So here’s the thing. Back in the day we had audio casettes and vinyl. Audio casettes were cheap because they weren’t going to last long, especially on cheap walkman units that stretched the tape if they got dropped, got hot or for lots of other reasons. Vinyl was great, you got big liner art and photos, quite often big inserts with lyrics, interviews and more photos.

Then came the CD, which they said had far greater sound and extra space to put more information on. In the future, they said, they could include music videos, interviews, games, photos and much more. Of course we had to pay more for this amazing technology but it was going to be worth it. In many cases the quality was superior, even the nice ambience of the needle was no longer there.

But the extras? Well they are the exception rather than the rule. In most cases we got less liner information, because of the size. Inserts happened sometimes but not very often and the additional material? Sometimes there was a hidden track, that was fun. Occassionally someone would add a music video and a few like BB King, put out a CD ROM with interviews, games and lots more. I still have mine, it was cool. Of course I don’t play it any more, but I felt I got my money’s worth and was chuffed that an old timer like The King could do something so modern.

So here’s my take on this. I have large quantities of CD’s and DVD’s pressed, not of my music unfortunately, but for car navigation. I also have large quantities of SD Cards duplicated, also for car navigation. Firstly, even at volume pricing SD Cards are much more expensive than CD’s or DVD’s.

Universal Music is going to release about 30 ‘Slots’ to start with, from their eLabs Digital Music Unit. Sounds more like a test to me, but anyway, I do applaud them for trying new technology. I think it’s a good idea to try new technology, given that CD’s are losing ground rapidly to downloads.

Will they add extra information to the SD Cards? Maybe for some of those first 30, but then it wil be the same old story, new media for a premium price (for the convenience) and nothing more. If they had listened to people like me 10 years ago (Netguide wouldn’t publish my opinion), they could have reinvented a format giving loads of extra value, far more than people could afford to download and created a whole new generation of fans and collectors. But no, they just wanted to increase cash flow and profit. After all, they knew far better than we consumers, what was good for us.

In my humble opinion, they created the monster we have today where people download and share music for free. And it is a monster friends, because what is happening is people are downloading music for free and the poor songwriters and performers are getting ripped off.  Sure there are big bands making truckloads of money for themselves and their promotors, but they are the minority. Most of the people in your favorite bands have to work a day job in order to be able to write and perform music at night. This might not be the case if they got fair remuneration for their work.

I ask you this. Do you work for free? Do you expect to go to work and build widgets or whatever you do and expect other people to reproduce them for peanuts and give them to your mates? Will you accept a 90% reduction in your income because people have found a way to clone your products? I didn’t think so.

Anyway, after that minor digression, this is a storm in a slot. Sure they will make some of these. Then they will cry foul when people copy them (if they can be bothered). They will weep when these cards don’t get sold, except on eBay, Craig’s List or Trade Me after people have copied the music onto their computers and shared them with their mates.

I love new technology, but when I can go to iTunes and for a couple of dollars, buy the only song as a track that I like (because I am happy for the band to make some money from it), why would I buy a little SD Card that I will probably lose.

In my humble opinion, the music industry got this one wrong. Can they redeem it? Only if they figure a way to genuinely add value. They want to offer the music on iGB SD Cards. (Interesting that I struggle to even buy 1GB SD Cards anymore.) Why not do something smart and offer us real value. Do what you should have done years ago and you might find a couple of years of legs in this yet. Use 4GB cards. Load it with the music, the live performance video, the interviews, the music video, lyric sheets (the mechanical rights people can still get a share) and a personal spoken message from the band or artist. You could sell that for a premium and create collectors items that people will want to keep.

Of course when real broadband arrives, people are no longer going to buy music in hard copy. I’m sorry but they won’t. Why would you. The other day I sat down in front of YouTube an had a great afternoon watching videos and listening to music of my favourite bands of the past and the present. All it cost me was a bit of internet access (and I do have ADSL 2 from Orcon so speed wasn’t an issue.

I think the future will be:

New York, Paris, London, Munich, Nobody’s talking about Slot Music.

While this blog is starting to get a good following, I would love to get more readers and encouraging me to keep writing. If you feel that my blog is interesting I would be very grateful if you would vote for me in the category of best blog at the NetGuide Web Awards. Note that the form starts each site with www whereas my blog doesn’t and is of course https://luigicappel.wordpress.com.

Thanks so much for your support:)

GPS Tracking and Navigation for Elderly People

The other day I read about a new invention, which is a GPS enabled walker for elderly patients. Apparently this is a student research product and being tested in Nursing Centres. It uses Wi-Fi communication and helps guide people around a complex such as a hospital or retirement centre. My first reaction was that this was a joke, but the more I think about this navigation for zimmer frames, the more it makes me think about solutions we will see soon.

Firstly, people do get lost in hospitals and large complexes, and the people most likely to lose their way will be elderly patients, perhaps with dementia or simply struggling with stress, pain or under influence of medication that makes them a little dopey and disoriented. If they are in a wheelchair or using some other aid, a mapping or navigation device could well be useful. Hospitals will in future have WiFi networks for their and this could be a device that is supported by it.

I often hear stories about elderly people with dementia getting lost when they go for walks and understand this is quite common. If they remember that they do live in a village or rest home and have a navigation device, it could guide them safely back home.

The other side is far more likely in the near future and that is tracking of people. I had a discussion today with someone from a New Zealand hospital about tracking of staff who visit mental health patients in their homes and the value of being able to locate them if they haven’t checked in within a pre-aranged time. Small pocket GPS tracking devices with GPRS connectivity already exist commercially and some of them also have ‘panic buttons’ that send an urgent alert together with the current GPS co-ordinates. These are typically still quite expensive, i.e. over $500 but with volume the prices will come down.

St Johns and other organisations have solutions such as LifeLink which is a great solution for in and around the home, but what happens when people go further from home. Wouldn’t it be great if there was a solution that would allow you to locate your elderly or ill relative if they don’t return from shopping or a quiet walk. What if they just want to walk a few houses down the road to visit a friend? I would have gladly paid a rental for a service like that for my late grandmother who had a fall one evening and wasn’t found until the following day with a broken hip.

Although it’s not aimed at  elderly people, you will soon find walking directions on portable navigation devices (PND’s). You will be able to download a map that tells you where to park your car and then how to find your way around shopping malls, hospitals and unversity campuses, through parks and arcades. Maps of this nature will be commerically available within the next 12 months. They will also be available on map web sites in the very near future.

Most countries will also very soon have sophisticated navigation software and maps available to run on mobile phones, which will be as impressive as the portable Navigation Devices that are so popular today. Many phones have GPS built in and Bluetooth GPS Receivers abound for much less than $50.

It’s not a big stretch to see software being added that allow your location to be sent to other people on demand (with your permission of course). This isn’t Sci-Fi I’m talking about, it’s 2008 technology.

While this blog is starting to get a good following, I would love to get more readers and encouraging me to keep writing. If you feel that my blog is interesting I would be very grateful if you would vote for me in the category of best blog at the NetGuide Web Awards. Note that the form starts each site with www whereas my blog doesn’t and is of course https://luigicappel.wordpress.com.

Thanks so much for your support:)