Google, Apple Expand Micropayment Systems for Web Content and Mobile Purchasing

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In 2009, New York Times columnist David Carr wrote that "with newspapers entering bankruptcy even as their audience grows, the threat is not just to the companies that own them, but also to the news itself." Will enhanced technology make micropayments any more attractive or compelling now than twenty years ago? "Remember that when iTunes began," Carr continues, "the music industry was being decimated by file sharing. By coming up with an easy user interface and obtaining the cooperation of a broad swath of music companies, Mr. Jobs helped pull the business off the brink. He has been accused of running roughshod over the music labels, which are a fraction of their former size. But they are still in business."


According to industry trade group CTIA, wireless data traffic doubled from 2010 to 2011, to an incredible 341.2 petabytes -= 341,200 trillion bytes of data. Since voice traffic remained constant, this shows that people are clearly finding new ways to use their cellphones. The adoption rates in Africa are most compelling.


The 2012 Afrobarometer survey found that 93% of their survey communities had cellphone service - amazing when compared to only 23% having a post office, 30% a police station, 51% a health clinic and 82% an electricity grid.


A recent World Bank report finding that in Kenya "basic mobile savings is already partially filling the gap, answering the acute need many Kenyans, particularly the poor, have for a secure place to store funds." For developing countries, without the existing financial infrastructure, micropayments has already taken a strong hold.


Clearly mobile is hot today - and a major device for the 21st century for communication, information and now finance as well: "Mobile services are changing the way that billions of people around the world live, work and socialise," notes Michael O'Hara, chief marketing officer for the international trade group GSMA, "and we are seeing a steady evolution towards a fully digital life."

Timetric's recent market research report on mobile banking reports that "at the beginning of 2011, 30% of mobile phone users in developed markets used a mobile banking service on their mobile phones at least once. By 2015 however, a number of forecasts expect at least 50% of US mobile users to be conducting transactions from their mobile devices."


I was fortunate to be able to look at this new phenomenon for a NewsBreak for Information Today. Google, Apple, Walmart,PayPal and now Isis are some of the non-traditional companies hoping to move into 21st century banking. You might want to give my report a read. Are you ready to switch from banks and cash to mobile? Who do you trust with your banking?

40 Comments

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So di essere un po 'tardi nel contribuire miei pensieri, ma questo particolare articolo creato sentire. E 'stato un weblog assorbente posta. Ho trasformarsi in un lettore regolare del proprio sito web, dato che mi sono un po 'indietro di nuovo attraverso il vostro sito. Non posso dire che concordo con tutto quello che lei ha dichiarato, ma era decisamente illuminante! Sarò di nuovo di nuovo rapidamente.

I consider very important to talk about how technology is benefiting or affecting us in the immediate future.
Regarding our economy and finance I must say that I trust much more in physical currency that in the virtual one. In fact, bitcoin went far down at loss in the stock market and it seems not very reliable for investors. Then, why should it be for us? I can not imagine having my bank account balance on a number from the screen of my phone and suddenly it disappears!

Für alle diejenigen, die nichts beitragen, sondern bei der Post schreien, habe ich ein Angebot für Sie von Denis Thatcher: "Besser den Mund halten und dachte, ein Narr, als es zu öffnen und alle Zweifel zu beseitigen."

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Hey, mijn naam is trixter108 en ik ben nieuw op dit forum ben. Ik denk dat wat mativated mij om mee te doen was om feedback te krijgen op mijn eerste computer te bouwen voordat ik ging naar buiten en het gebouwd. Ik ben 18 jaar oud en ben op de universiteit. Ik heb altijd in tech en computers geweest maar helaas nooit tijd om een ??van mijn eigen te bouwen gevonden. Ik hou van sport en spelen een andere sport elk seizoen. Ik ben een zeer atletische persoon en ik hou van om te gaan wandelen en te verkennen. Ik ben ook en ADDRENALINE junkie. Ik heb parachutespringen en bungeejumpen en ben altijd op zoek naar nieuwe manieren om een ??adrenaline rush te krijgen. Anyways, ik heb nog nooit een computer gebouwd, maar nooit het geld noch de tijd om dat te doen had. Ik hoop dat deze forums geeft mij constructieve feedback en motiveert me om eindelijk mijn eigen computer Buil.

Hallo Admin, ich denke, es ist Zeit, etwas Jäten hier tun. Zu viel unproduktive Kommentare von Plakaten

Gracias por la crítica sabia usted. Yo y mi vecino se disponían a hacer una investigación al respecto. Recibimos un excelente libro sobre el asunto de nuestra biblioteca local y la mayoría de los libros de exactamente donde no como influensive como su información. Estoy muy contento de ver esta información que estaba buscando desde hace mucho tiempo.

Ich beschloss, dieses Forum zu kommen, um Wissen und Informationen zu Computern und Technik zu gewinnen. Ich bin in die Schule nach ein paar Jahren wieder, und ich habe beschlossen, Information Technology studieren.

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El problema es la cantidad de gente puede relacionarse. Puesto que soy "fuera de contacto" Todavía tengo que averiguar qué mensajes tendrán un montón de comentarios y cuáles no. De hecho, por lo general, cuando escribo lo que pienso que es un gran mensaje

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Hallo alle, Am Kevin (Ich habe einen anderen Alias) Ich bin ein neues Mitglied hier. Ich möchte zu diesem Beitrag althought beitragen ich bin nicht allzu gut informiert.

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Hallo Leute bin neu hier, mein Name ist Ryan. Ich benutze mein Online-Alias ??und Ich mag Computer, Technologie, Biotechnologie-und Healthcare-Themen.

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Non posso credere che avete messo così bene che anche un principiante come me può capire. molte grazie

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Hallo, ich bin nicht sicher, über diese. Können Sie bitte etwas mehr Informationen?

Suono anche la chitarra e il basso, in modo im cercando di conoscere la musica del computer in due maniere, la registrazione e cose del genere, e fare musica elettronica, come ho davvero scavare trance o goa-psy trance, quando non im headbanging ad alcuni metalli di vario tipo \ m /

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