Nokia and MSFT: 2 Mobile Turkeys?

Rumor is that when Google’s Andy Rubin was told Elop spurned the Google opportunity he responded: 2 Turkeys don’t make an Eagle. Nokia is a tremendous engineering organization, just like RIM was, and Apple still is. What sets Apple apart? Marketing Genius and business planning that DRIVES engineering (not the other way around). When the “value” equation shifts from feature/function to “experience” engineering is stuck.. as few companies can lead the vision that excites customers.

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Nokia, Apple, Android, Value Creation and Distributed Innovation

My firm belief is that we will start a mobile “boom” that will dwarf what we have seen with the WWW. The “Mobile TAM” in marketing alone.will be over $750B.

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Nokia’s Opportunity: Building an NFC Ecosystem

Most of you have read Stephen Elop’s scathing internal assessment of Nokia yesterday: “Burning Oil Platform”. Today NFC software start ups are locked in by both handset manufactures and MNOs…. could Nokia leapfrog Apple by enabling companies to invest, and go to market, in NFC?

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Obopay Update – 4Q10 (update on 3Q)

Given their poor performance to date, MA is starting to step away from them as primary MoneySend platform (example is recent RIM announcement). Obopay now seems to have a split focus: US and emerging markets.

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Paypal at the POS?

PayPal is best positioned of any major player to link the virtual and physical payment worlds (see here for detail): they have a consumer base, merchant base and a phenomenal fraud/risk team of 300+ with commensurate tech and ops. However their ability to execute is not without challenges. For example, what % of their current merchant base does POS transactions? Will there be a need for merchant terminals? If so who will pay?

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Nokia Money/Obopay

Nokia’s selection of Obopay is very curious, given that Obopay is a hosted platform that currently requires online registration.. quite a difficult thing for an “unbanked” customer to do in rural India. We can safely assume that Obopay will invest resources to provide for service and beneficiary registration in a 100% SMS mode (or build a NokiaWallet embedded on the phone), but there are still many holes in the service that are left to be plugged and a big business challenge in incenting remote agents.

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