Google Creating Platform for a New Mobile ECONOMY

16 March 2015 How can Google, Samsung or anyone else ever hope to catch Apple? It depends on what they are chasing! My view is that Google has just begun a major transformation to the physical (offline) world with Android as the key enabling “platform” (beyond search to orchestration) for a new business network. This … Continue reading “Google Creating Platform for a New Mobile ECONOMY”

The New Economy: Small Wins

I’m more passionate about this topic than anything I’ve ever written about. As an eternal optimist I don’t see a world dominated by Google, Amazon, Chase and Walmart…. But rather a new economy where millions of small businesses thrive. Where every person can employ their creative talent in collaboration focused on value creation. A world … Continue reading “The New Economy: Small Wins”

Collaboration and the “Sharing Economy”: What does that mean?

5 August As I wrote back in my May blog Internet 3.0 Collaboration in Commerce, Communities and Networks, we are transitioning to a new era of collaboration. The industry buzz word is “sharing economy” but this is a little too altruistic a moniker for my liking.  If an elephant was taken down by 1 million … Continue reading “Collaboration and the “Sharing Economy”: What does that mean?”

Data Tipping Point.. Good things will happen

Recent issues with Facebook, Equifax, GDPR compliance, … have brought us to a tipping point in data. The basic structure of how data is: permissioned, shared, used, accumulated, analyzed, sold, regulated, … must change. Google and FB operate in a Big Data 1.0 architecture powered by the “virtuous cycle”. Edward Snowden showed us how the … Continue reading “Data Tipping Point.. Good things will happen”

Banks as a Data Business – Example Amex Advance/Acxiom

Traditionally the core of bank margin is in risk management. The core of risk management is data.. thus Banks have been the among the best data businesses (as IBM knows). Banks “learn” about their customers through bank interaction: payroll, card transactions, lending. This has helped banks make better risk decisions (both credit and fraud/identity). Within … Continue reading “Banks as a Data Business – Example Amex Advance/Acxiom”

Transformation of Commercial Networks: Unlocking $2T in Value

 18 Feb 2016 I’m in a network state of mind…  We are in the midst of a massive economic transformation and I can’t quite put my finger on it.  What influences how consumers and businesses are organized? What is changing? Who creates value? What new domains, networks and markets are being created? Where is margin … Continue reading “Transformation of Commercial Networks: Unlocking $2T in Value”

Last Mile Redesign (Processor-Merchant)

21 Jan 2016 My favorite blog of the year was written by famed UK computer scientist Paul Graham – The Refragmentation. Paul’s blog aligns very well to the work of 2 Nobel prize winners in economics: Oliver Williamson (2009) and his mentor Ronald Coase (1991). Both were focused on the factors governing the “nature of … Continue reading “Last Mile Redesign (Processor-Merchant)”