Posts Tagged ‘Web’

Fake MacBooks in circulation

November 28th, 2008 makii Comments off

Some weeks ago Apple introduces its latest line of laptop-computers. There are already fakes around. The first sign could be the apple on the lit: some fakes don’t have the bite in the fruit. Others are better and you will know the difference only by checking all ports on the computer.

Fake MacBook without bite.

Fake MacBook with bite.

Via MacLife, and Apfeltalk.

Categories: Mac, Web, funny Tags: , ,

Web 2.0 Banking?

June 13th, 2008 makii Comments off

Being incorporated in a bank (again), I just wonder how all this web development stuff around me continues to evolve. Working for a financial information website, being taken over by a bank was pretty hard to avoid eventually, but of course might benefit both parties involved.

The more I’m eager to see what kind of web applications the new guys want to do with their web-banking and -trading applications now they have aquired an internet company. Now with the first wave of integration of the two web sites passed pretty smoothly, and the rebranding and accomodating redesign of the two websites rolled out, we’re ready for furthermore tasks to accomplish. Let’s see what comes next.

Interesting in this context is a article by finextra I stubled over at cometdaily. The article tells about X topics I want to comment A survey by WorkLight which questioned 1000 facebook users,

  • whether or not they’d want or use Web 2.0 widgets or applications for their day-to-day online banking in Facebook or other launchpads
  • whether they would consider switching to another bank to get such features.

The main message is

New research has found that around half of Facebook users would use Web 2.0 applications for online banking, while a quarter would even consider switching banks to obtain Web 2.0 services.

The switching part is the one my boss would be especially interested in I guess.

The article goes on:

Commenting on the survey findings, David Lavenda, VP, marketing and product strategy, Worklight, says: “To lose a quarter of your customers to competitors who have provided secure Web 2.0 banking would bear a significant impact on existing business. This is particularly true at a time when financial services companies are struggling to retain and acquire customers in a market that saturated with new competitors and countless new offerings.”

That’s true. In my experience numbers of new customer are much more interesting to management than the figures of the current customers’ activity. As you gain new customers, a certain percentage will have a fair amount of activity in trading and other products, another just won’t. These shares, once established, are rather stable. Clearly, the more new ones you get, the more active customers will be there.

Well, despite I like fancy Web 2.0 applications like Google Mail, and I clearly can see the point in gaining a customer base by offering nifty tools, but integrating my account statement and credit card bills into a portal like Facebook… Are they insane? Especially facebook is a nice platform for staying in contact with your friends, and doing froody Web 2.0 community stuff, whatever it is. But sharing financial spendings like that in a community, especially in this one sounds like a red rag, doesn’t it?

But surely there seems to be a market for this. We only have to take a look at Pages like wesabe or mint. Users can sync up somehow their account statements, credit card data and other stuff, get in analyzed, charted and stuff. The feature set sounds really nice, knowing one and for all where all the hard-earned money goes til the end of the month. Tagging spendings at certain locations, getting recommendations where to get this type of commodity cheaper or better elsewhere and discussing financial decisions with peers in the same situation.

Someone should do something like that here in Europe or Germany. It’ll be hard though, as for one, here in the old world it’s not so common to buy your take-away coffee or a pack of chewing gum with your credit card, so it’ll be hard for us to get the kind of complete and detailled listings like shown in the wesabe merry-go-round. On the other hand sharing financial data on this level with people I don’t know … I don’t know if there are a lot people here which will accept that easily. On the other hand we share every kind of information on the net: What music do I listen to? Where did I go party last weekend? What’s the best indian restaurant in town? Why not anticipate where I spend my money from my bills and compare them to the ones of other people?

What do you think?

Categories: Technology, Web, Work Tags: ,