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« My Master and Me: Confessions of a Mobile Phone | Main | Facebook revolt ongoing.. about ownership of user-generated content »

February 16, 2009


Jean Fabio Baro

That is all great stuff!!
Where could I get further information about the technologies involved?


Mariana Oliveira

You're right: some countries are much more advanced in mobile marketing. We say we're 4 years behind USA, 3 years behind Europe and 1 year behind USA. But we're running to make this work. Till now the results are great!

As you say "Lets see how that goes".


Giff Gfroerer


Nice concept. However, can you imagine the time and effort this would take in the United States? Getting the banks, credit card companies and the carriers all on one page? Sure, it needs to happen. Sure, it is progress for the consumer. And no doubt it brings all of the entities together to share in the profits...

But here in the U.S. all the three see is how THEY are going to make money. This will prevent the above scenario for the foreseeable future.

My prediction would be that one carrier (most likely a Verizon or ATT), gets together with possibly one credit card company (VISA), and then one of their signature banks (like Chase) to bring this out in 2011. Once others see this the race will be on to sign partnerships...

But having one clearing house? I hope this happens...I just don't know how they get through all the red tape and egos to make it happen...

My best as always,

Tomi T Ahonen

Hi Jean, Mariana and Giff

Thank you for the comments. I'll respond to each individually

Jean - I really don't have more info right now, not even a web link, as that was a CNN story I caught off TV when I was not home. But I'm sure you can Google South Korea and credit cards and mobile and the stories from the last month should be strongly related to this.

Mariana - I think there was a typo on your posting (or else its a funny joke), with you behind the USA both 4 years and one year. You were from Brazil I recall. You probably meant 4 years behind Japan or South Korea.. Yeah, thats about right. Also, the USA is moving faster than most, and certainly catching up to mainstream Europe now in mobile.

Giff - nice to hear from you again and great comments. Yeah, this would take a lot of compromise and true national leadership for some countries to get it done. Likely to be smaller countries with more friendly players accustomed to cooperation to do it next, not the USA, where the bizarre inter-state commerce laws make it so strange to have few national banks, and many mobile operators who are local or regional etc.

I think Scandinavian countries will move on this kind of trajectory soon as well. There is a long history of banking inter-operability across borders even and they were among the first countries to introduce banking cards (charge cards/debit cards/ATM cards) and obviously the first internationally roaming mobile networks, etc. Also with relatively few major players (Norway has only two actual network operators for example) and major Scandinavian cross-ownership with banks etc, this could happen there "relatively easily" (perhaps)..

But yes, the USA, it will be a long drawn-out fight, with probably many intermediary steps along the way, alliances etc.

But how long until this is "obvious" to end-users and they start to expect it, to demand it (and complain that it works in other countries...)

It'll come. But not in 2009, ha-ha..

Thank you all for writing

Tomi Ahonen :-)

Jeff Paul Scam

Hi, I found your post really interesting, my friend and I run a small internet marketing business at home. We are roommates, so after our day job, we spend an hour on research and work.

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