Innov-IT e-Money or how to pay in cash on the Internet
http://www.wexpay.com/ proposes to pay in cash on the Internet. The solution is suitable for micro-payment and direct competition with the alternatives of payment by credit card or Paypal. Go to a tobacconist for example to give her in exchange for a cash issue which will then pay a commercial site wexpay compatible with a simple code. Anonymity guaranteed, making wexpay an ideal means of payment for adult sites, as indicated also visit:
1: You have the liquid
2: You're afraid to pay with your credit card
3 : want of anonymity: the ability to enable merchants affiliated sites such as "adult".
Wexpay Martinique is a company that makes about her on the web.
Wednesday, October 24, 2007
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Donate $ 25 to help entrepreneurs in poor countries
KIVA.ORG is a marketplace for micro-finance. The site offers to sponsor one or more contractors from poor countries in making an online donation of $ 25 or more in multiples of $ 25, compared to a list of projects from countries such as Cambodia, Togo, Niger, Peru. Projects are selected by local partners and posted on the site. When the contractor makes money lent, it is then possible to re-invest on a new project. Paypal payment only. To help you select among the 4,000 projects, a presentation and recommendation is in place.
KIVA.ORG is a marketplace for micro-finance. The site offers to sponsor one or more contractors from poor countries in making an online donation of $ 25 or more in multiples of $ 25, compared to a list of projects from countries such as Cambodia, Togo, Niger, Peru. Projects are selected by local partners and posted on the site. When the contractor makes money lent, it is then possible to re-invest on a new project. Paypal payment only. To help you select among the 4,000 projects, a presentation and recommendation is in place.
Monday, October 22, 2007
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Exchange 2.0? The Swedish model launched in France with a former leader of the network to undertake
Authorized by the AMF and the Banque de France, alternativa is a marketplace that provides SMEs with more than 2 years of existence to find a buyer of part of Capial open after valued in society. Time to put on the "market of the Third Kind" is short, and costs are reduced compared to an opening on the stock exchange "classic". They should allow companies selling part of their shares to get cash, after a negotiation phase according to the laws of supply and demand. Alternativa should also encourage growth in the number of investors (Business Angels, Venture Capital Companies) which is statistically lower in France than in England. Note that the former director of the Stockholm Stock Exchange is also on the board. A very nice initiative. Hats off.
Authorized by the AMF and the Banque de France, alternativa is a marketplace that provides SMEs with more than 2 years of existence to find a buyer of part of Capial open after valued in society. Time to put on the "market of the Third Kind" is short, and costs are reduced compared to an opening on the stock exchange "classic". They should allow companies selling part of their shares to get cash, after a negotiation phase according to the laws of supply and demand. Alternativa should also encourage growth in the number of investors (Business Angels, Venture Capital Companies) which is statistically lower in France than in England. Note that the former director of the Stockholm Stock Exchange is also on the board. A very nice initiative. Hats off.
Monday, October 15, 2007
To Kill A Mockingbird Southern Quotes
My speach Mobile Barcamp Paris! After
![](https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjsYx1iWUjC8rsA32jjXpt9dJ3-We4-Xf_gvp9q5jUYb1k8sj1AhEDIafLb-XMFHydcnxXCN_iejBqv3Cq109Epg42CdLT32LMzoXuEtHfC0YFupNwyRJWJw_AphLqKepWc-Int699hDJ0/s400/mobilebarcamp2.jpg)
The theme that I discussed in my speach of Saturday, October 13, 2007 at the Mobile Barcamp in Paris was that of Mobile Banking:
- definition of Mobile Banking: After the Minitel, the server voice, the Drive'in Banking, the Online Banking, now is the time of the PDA banking, SMS banking, WAP banking, the Mobile Internet banking, Mobile Banking Software (Java Mobile, Windows Mobile Edition compatible, Palm OS, others)
- technologies, terminals Cellular, PocketPC, PDA communicating, Smartphone, networks and the disparity across the world: North Africa, Brazil, China, Russia
- marketing issues from the perspective of banks: monitoring trends and new uses, counter competition 100% Internet-based P2P Banking. What are the ROI Direct? Complement the services by the game, protefeuille virtual, alerts, customization.
- prime targets of banks generation "SMS" VIP, Very Mobile Person
- geographic territories of technical experimentation (Africa where regulations are less strict about including SMS Payment ) and marketing (including the USA with business aggregations of accounts and the payment of Person to Person).
- the challenges of integrating mobile solutions into the computer systems of banks: security, maintenance, prediction of exponential curves to use, monitoring of mobile technologies in constant renewal.
Thanks to Microsoft for the invitation, and talented organizers.
Saturday, October 13, 2007
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anti-laundering, with the refreshing Mint
more customer-driven typical French, for a better grade Wesabe that offers a service open to French banks, which may be more easily accepted the fact that the site retains no login and password for connecting to personal websites of Online Banking. The Wesabe Uploader is an application that is downloaded on the PC, the "third" is therefore located on the user's PC. Which reassures the user will trust the program to upload in question, until reading the contract to use the software without evil spirit which I give an extract chooses "
6. Limitation of Liability. TO THE MAXIMUM EXTENT Permitted BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY BE FOR ANY INCIDENTAL Liable, SPECIAL, OR CONSEQUENTIAL DAMAGE ARISING Consequential OUT OF THE USE OR Relating to Inability TO OR USE THE SERVICE, Including, WITHOUT LIMITATION, DAMAGE FOR LOSS OR CORRUPTION OF DATA OR PROGRAMS , SERVICE INTERRUPTIONS AND PROCUREMENT OF SUBSTITUTE SERVICES, EVEN IF THE COMPANY HAS BEEN ADVISED OR KNOWS OF THE POSSIBILITY OF to admissible. "
![](https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEht9MOdWWARmQ_89YDgYB_gWXFa2_U54yVI2-5FWjmyRdJS2FC0HICVdtixchxSLR3HQn3hCk9Jt0ntaNRBquwFErsnT0Z894qfSBk8VwWMzPREyzF3J8W9nPTPaEkaxfxZgUse5q3w0-A/s400/mint.jpg)
"See all your accounts in one place" . Mint is equivalent to a Microsoft Money "online " for U.S. Agregator accounts compatible with a selection of 3,500 + U.S. banks such as American Express, Citibank, HSBC but ING Direct. Opening an account is convenient and immediate since there is no check, neither the email address or postal code: a French postal code easily from the stage of registration. The main psychological barrier of being willing to give two-thirds (MINT which transmits the information to Yodlee) access codes strictly confidential bank accounts.
With a simple email address and a password mint (6 characters have enough) then you reach a full diagnosis of its consumption, provided that sufficient evidence in the details of operations permit. Optimizations and "rebates" are proposed.
![](https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhY2OptVwwDYXQsjyXyDMGJ4Q4d6kK-gqsNQCNmet8dk2ZTEe8mNV0M5nxt8nSd6IQPcYOiq1O5aGnOZu5yEUJzg4Sdz_zIXyjWDkh5Da-16IBPs41Tjsrh-zxssk5FSq0IUm504hS8Zfw/s400/wesabe.gif)
6. Limitation of Liability. TO THE MAXIMUM EXTENT Permitted BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY BE FOR ANY INCIDENTAL Liable, SPECIAL, OR CONSEQUENTIAL DAMAGE ARISING Consequential OUT OF THE USE OR Relating to Inability TO OR USE THE SERVICE, Including, WITHOUT LIMITATION, DAMAGE FOR LOSS OR CORRUPTION OF DATA OR PROGRAMS , SERVICE INTERRUPTIONS AND PROCUREMENT OF SUBSTITUTE SERVICES, EVEN IF THE COMPANY HAS BEEN ADVISED OR KNOWS OF THE POSSIBILITY OF to admissible. "
the way the uploader does not work under Windows Vista: the drop-down selection of banks causes an immediate shutdown of the program. Too bad. I would have liked to test the service with banks in France.
Dowloand Nero Visionexpress 3.1.0.21
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AlaskaUSA
![](https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhP6wQUtilxfYBoLkOPl3YLWgr8RBvvHtqTJWno5unnDukVgRI6lEI9YrMuFO8f1hkZTN8SP9Idlj_Nq8ZgTN7wvkT-XVhZ4GLJ_xIG42hgFdqfltg62UOE7UDo_ZrE1GYsR8RPuxy8JKM/s400/Sans-titre-1.jpg)
The embedded application transaction for PALM AlaskaUSA Vredir the Federal Union shows the main differences between the European banking systems where the French system, and the American system:
- the menu "Transfer" allows you to transfer money external and internal, including credit card Credit
- menu "Pay Bills " can communicate requests for withdrawals almost automatic, because as always we must be willing to pay for each application for withdrawal, and specify the amount that actually turns on the account of his supplier. Careful management of the budget, and a notion of ownership of "bucks" hard-earned, we not found in France with our habits of debits and debit authorization.
The "pay bill" made in USA is a kind of computerized TIP. To navigate the maze of bill payments, the payment gateway Billeo is born! http://www.billeo.com/ He had to think.
- the menu "Transfer" allows you to transfer money external and internal, including credit card Credit
- menu "Pay Bills " can communicate requests for withdrawals almost automatic, because as always we must be willing to pay for each application for withdrawal, and specify the amount that actually turns on the account of his supplier. Careful management of the budget, and a notion of ownership of "bucks" hard-earned, we not found in France with our habits of debits and debit authorization.
The "pay bill" made in USA is a kind of computerized TIP. To navigate the maze of bill payments, the payment gateway Billeo is born! http://www.billeo.com/ He had to think.
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It's a Kind of Magic
![](https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhGytxu8DGENoj-xivE3cF_2J5XSnC-h2z1O0mpCAd-bLOW8kUCnvCITnSD90kLQgG5ChymbyMTr_uw2agznSLgSKO0aW7dzhsoH-QXzRJBuvQfE0IhJG6Z3HTHYeqFT21BvPCQ5gdJRUA/s400/Sans-titre-1.jpg)
What is more magic? The general portal of Glo Mobile, Nigerian telecommunications operator. Having made a deal with the country's banks, the portal offers, among other topics general (news, horoscopes, weather, football) a single login portal to their bank accounts, with the possibility of internal transfer only. For now.
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CMB China re-invents the Palm Banking "
![](https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj_L8SpmQZBiahXYIetanpsgmVoRpzJy_VMJpAVMTlTGauDMAf46x6BhMoYXlSbv3DgAAiBvVg_-Y43sIBgR4OIQPLekIUmP3-ZJ2IIRIqMtcz0iIdqDgYAbm3jhHTwH0iqXsG_fZpnAxM/s400/Sans-titre-1.jpg)
Pointing hand and not the Palm brand, "Palm Banking" is the solution adopted by China for the CMB with PocketPC clients with web browser. How I got the idea to go the bank, ask me some ... This bank has given a name well known (my person) to its line of credit card VIP: "Sunflower". Who was the name of my startup founded in 1999, the first to put in production a PDA offers Banking France. It goes back much further, at the time of Palms on base with cable synchronization standard on PC and PocketPC first anyway.
A little culture: 行动 电话 means Mobile Phone.
A little culture: 行动 电话 means Mobile Phone.
Friday, October 12, 2007
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BCEE rides the wave multi-channel
![](https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgBmRBh_XGc92Q59meka0PHthY-ItHFrvmqLKDhDhMPgclNHQgR2qH7DMK7-puLUIrajIz-PDdMfQlFmvMWzQT1wewOHtm8zlkuGc8eNrGkLD6pJV85wQsdjtoNsdgKq3lCvMVCO1ESmRg/s400/Sans-titre-1.jpg)
Bank and Caisse d'Epargne du Luxembourg offers a service Mobile Banking for Smartphones and PDAs, in addition almost traditional because highly prevalent in Europe, Phone Banking. Among other innovative marketing services we can see insurance Stolen Laptop ... and custodian!
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Obopay simplify the fee schedule
![](https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgaqLOOToJ2j-PUeV9WqHr02s2fkQC7bv4_6kwuEvRWwGYpYFdgW2yFmuMkBMBBoH7OvKyzuAz302NDL5m5sZjZwUc3ERvxUoMNq-J6M9MslS4jyTIHJGvYOTOqarGFxIHJk4EWoDLpH3k/s400/Sans-titre-1.jpg)
Among the competitors of the SMS-Payment in the U.S. (Paypal and Google Checkout Mobile) Opobay tries to impose itself by the clarity of its offer and the simplicity of its fee schedule (which reminds us of the beginnings Télé 2 France). We can not be simpler: the cost is $ 0.10 regardless of the amount sent up to $ 500. He who receives does not pay. WAP-payment and WebBuddy are also available. It may take time to get his business model when we raised almost $ 30 million. Note that Societe Generale is one of the investors.
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" Text Pay Me "from Amazon
Send money by SMS Caisses d'Epargne have also thought with MOVO. Amazon too, but you must live in the U.S. only to subscribe. We like: the $ 5 credit for opening an account on TextPayMe. Know give then to receive is a very American Business Model.
Send money by SMS Caisses d'Epargne have also thought with MOVO. Amazon too, but you must live in the U.S. only to subscribe. We like: the $ 5 credit for opening an account on TextPayMe. Know give then to receive is a very American Business Model.
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Innovation in the use of a voice server: Mobile are you Buying?
![](https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh3bHYlFrv1HSwFdVKEUTv8rc3zi-Eajoq3IcbBS2u-7GH7RTgaAr3rWQ6OxoWlX2cnu08M50XAjT9XWd6mXJbaOf1eShrQ-d_-hANhbOwBSjhyphenhyphenlYJNvrxAS6cqLse9ER_5TIli9d6ielQ/s400/Sans-titre-1.jpg)
servers enable voice, the voice recognition, to direct the user to facilitate connection with the services best able to answer them. They can also be used directly to pay or purchase a product or a service. He just needed to think about this new use of "mobile consumer". Done.
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The beginning or the end of the American Dream?
![](https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh-8M0tUoJbSWWFI3tlICT8wgQpEWbxTp8uL0vwmchZY4YvfbHRJRjfY9RlaOTpTgC9oAPjoSzQRUG8_3rW454NvIEPQUrdrnoVfmdQnr0Ge4CPJdIjq8QtpX6QmOUbvbZO_yz-dpJ02kM/s400/Sans-titre-1.jpg)
http://www.prosper.com/ : view from the other side of the Atlantic is a bit of a dream that collapsed during the crisis Sub-Prime: I bet on the smiling student seeking $ 7,000 to fund the completion of his studies, provided it is brilliant. A few lines later isolated a woman embraces her two young children: "I am a full-time employee and I love my job. I pay my bills on time and I Have WORKED very hard for my excellent credit rating and want to keep it intact . My dream is to finally get somewhere with My Credit Card Bills and Paying Them off Would Be AWESOME! ". Seeking a whopping $ 20,000 for deleverage multiple loans (car and credit cards). Finally I close the site with a photo of a 4 year old child whose parents can not afford the operation chirirgicale despite their monthly income of $ 5,000.
I allow myself a small digression. Who surrounded the U.S. for 2 years in Atlanta, I had kept only the good memories back in Paris. Fortunately, the French banks mainly offer debit cards ... This site does not fall into the hands of the Mafia, who will have their work simplified sourcing. Interesting information: the group of lenders is the largest IT community. I bet in 100 million loan to Year 2 of prosper (look in February 2008). After the Dutch players ( http://www.boober.nl ), Danish ( http://www.fairrates.dk/ ), Italians ( http://www.zopa.it/ ) and Allememands ( http://www.sosmoney.de/ ), one expects the social lending to the French. A fast follower? At your comments ...
I allow myself a small digression. Who surrounded the U.S. for 2 years in Atlanta, I had kept only the good memories back in Paris. Fortunately, the French banks mainly offer debit cards ... This site does not fall into the hands of the Mafia, who will have their work simplified sourcing. Interesting information: the group of lenders is the largest IT community. I bet in 100 million loan to Year 2 of prosper (look in February 2008). After the Dutch players ( http://www.boober.nl ), Danish ( http://www.fairrates.dk/ ), Italians ( http://www.zopa.it/ ) and Allememands ( http://www.sosmoney.de/ ), one expects the social lending to the French. A fast follower? At your comments ...
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First National Bank (South-Africa)
![](https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi1ULqNPyC1nuP1_GrkhHH3_guUd95Ygzay7PM_6OC2CekkLwlW3irwDOZidj2i8pgshLnuYYxk_mxinqX79j5zrGsxb_AzP9OmboxCANo_EAuYluk3Wn-1bzYseOUyfC4zt-4qsRDmkL0/s400/Sans-titre-1.jpg)
With a site full Online Banking, one of the four largest banks in South Africa is launching a campaign to woo the young: the spoken language, a sympathetic mascot Moreover, music to download, eBucks for "do not forget that the customer makes the bank". The bank proposes to convert the points in minutes eBucks consumption for GSM. The Mobile Banking does not hide it in an upcoming board of the CTO in the bank? Competing banks RMB Private Bank and WesBank can also earn points convertible. Someone knows a French bank that has made a deal with Maximiles?
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BSA (New Zeland) opens the Mobile Internet Banking
The New Zealand and ASB customers happy owners of a smartphone or PocketPC with data option enabled can surf to their home on the site of their preferred bank. Simply they are subscribers to access Online Banking in order to move to Mobile Internet Banking. A good first step, tested compatibility with many mobile devices, provided they have a Mobile Internet browser.
The first page of access is a https as it should. Note
design compatible with very different screen resolutions that are found on market: 640x480 pixels (Imate jas-jar), 240x240 (iPaq), 320x320 (Palm Treo). 80% of the use of mobile terminals is performed in transport. The slogan of the SBA is found: "Do your banking on the go ."
The New Zealand and ASB customers happy owners of a smartphone or PocketPC with data option enabled can surf to their home on the site of their preferred bank. Simply they are subscribers to access Online Banking in order to move to Mobile Internet Banking. A good first step, tested compatibility with many mobile devices, provided they have a Mobile Internet browser.
The first page of access is a https as it should. Note
design compatible with very different screen resolutions that are found on market: 640x480 pixels (Imate jas-jar), 240x240 (iPaq), 320x320 (Palm Treo). 80% of the use of mobile terminals is performed in transport. The slogan of the SBA is found: "Do your banking on the go ."
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