Mobile Money, Apple Pay And Disintermediation

Dead. Yeah. Dead.

Funny, I started yesterday with a post about mobiles and ended it talking about disintermediation. Hence a new post.

Disintermediation is what the Internet does to people who are selling privileged access to things. The Internet destroys privileged access. So, for instance, if you are in PR and selling media relations, I can use online tools to access journalists and I don't need you. If you're an ad agency selling creativity (it can be crowdsourced) or media booking (click, click hellooo), I can DIY, thanks. If you're a journalist selling me access to events (all my pals are filming it and sharing the videos on Twitter, thanks). Or a travel agent selling me airline tickets (click), a bookshop (click) or any other number of people taking my money for giving me something I can do using the Internet, you're dead meat. Perhaps not today or not tomorrow, but soon enough.

I was talking about it in the last of the Bookshop DIFC writing, editing and publishing workshops (thanks, chaps, I had a lot of fun and nobody's sued, so that's good) last night. I was trotting out my old catechisms - "Quality is irrelevant when technology improves access" and "The Internet destroys privileged access" - in relation to the ongoing destruction/transformation of the booky book publishing business.

The mobile's done the same, of course. I remember with painful clarity being at a Motorola PR klatch in Vienna in the mid '90s as we discussed maintaining the relevance of radio paging in the SMS era. The answer, of course, was flee for the hills. The invitation to fight to the last man in an epic stand against overwhelming odds with no possible gain in sight is one I will always respectfully decline.

Guess I'm not made of the stuff of heroes.

The mobile hasn't just done for the radio pager - it's done for the bedside clock, too. It's killing the iPod, iterative technological destruction at its best. The digital camera's not looking too pleased, the dictaphone is a relic and taxi companies aren't far behind. Telcos are being reduced to faceless providers of wholesale bandwidth - and they don't like it.

Who'd have thought you could do so much with a telephone, eh?

Apple Pay is the new toy from The Church Of Jobs. It's an NFC based payment system based on your Apple Store subscription that lets you pay for things by waggling your mobile at a terminal. It's causing some issues in the States right now where a group of retailers, including Wal-Mart and Gap, are prevented from accepting it because they've signed up to a rival NFC payment scheme that's not got off the ground yet. They're going to have to rip up that MoU fast if they're not going to alienate millions of iPhone-toting punters wanting to waggle their cash across.

And so the mobile is going to do for credit cards. We're not going to need that wee piece of plastic anymore. Which is interesting, because we arguably don't need what's behind it. We're paying 2.5% of every single transaction for the privilege of moving our money from our account to credit someone else. Sure, the retailer pays the 2.5%, not us. But if you think they're gladly absorbing that cost rather than passing it on faster than you can say antidisestablishmentarianism, you've got another thing coming.

Apple, Amazon et al can move money for nothing. And we trust them - we've already given them our credit cards. What if they tell us we can have what we want without having to use the card? Pay the 2.5%?

Banks will never allow it, surely?

Yeah, but wait until they realise they don't own the customer anymore. They're just virtual money stores at the backend of our more important direct relationship with the retailer. By inserting itself in the transaction, the mobile displaces the payment facilitator and renders it faceless. It's just a redundant transactional layer and technology removes redundant transactional layers rather neatly.

There's not a thing they can do about it. It's already game over.

Book Post - Populating Shemlan - A Deadly Tragedy

Image via CrunchBase

So we pushed the button yesterday, but even in the 'Internet age' these things can take time. We're looking at three editions of Shemlan - A Deadly Tragedy: Smashwords, Kindle and CreateSpace. Here's what happens when you press 'go' on a book.

Smashwords
Smashwords populates pretty much instantaneously, provided your documents are formatted in the required fashion. Smashwords' own guide to formatting is a free download and reading it will save you time and hassle. I choose not to publish to Kindle using Smashwords but use Amazon's own Kindle Direct Publishing. Once 'Meatgrinder', Smashwords' multi-publishing engine, has done its work, the book is available on the Smashwords site as an ebook compatible with Sony, Kobo, Barnes and Noble's Nook and Apple's iBooks. So you can go to Smashwords here and buy Shemlan.

Smashwords also populates the relative stores - B&N, Kobo and iBooks. But that takes a good deal longer - it's part of the 'Premium Catalog' and requires quality checking by Smashwords before that goes ahead. So for now, it's just Smashwords, not the retail sites. That can take a week or so.

Kindle Direct Publishing
Kindle takes a while longer, promising 12-24 hours but usually beating that quite comfortably. In fact, the Kindle book of Shemlan was up a few hours after Smashwords. So you can go here to buy Shemlan from Amazon in the UK or here to buy it from Amazon.com. There are now Amazons around Europe and even further afield, including Japan, but posting all those links is just too exhausting. I have never sold a book in Japan.

CreateSpace
This is the print edition of Shemlan - A Deadly Tragedy and takes longest. Createspace is currently still reviewing the book files. Once they've passed the files (an automated check is performed when you press 'go' but they still do a manual check following that), they'll populate the Createspace store, Amazon and then expanded distribution outlets such as The Book Depository. This can take a couple of weeks.

While that's happening, it's down to compiling the list of reviewers/book blogs. And yes, you're all in for a rough old ride because I'm in promo mode now and that means bugging everyone and their uncles to run around screaming 'buy Alexander McNabb's novel Shemlan - A Deadly Tragedy now now now!'

It's not about you buying it, see - it's about you getting everyone you know to tell everyone they know to buy it!!!

The Quietest Office

Image via CrunchBase

Apple has an office in the UAE. Operating out of Abu Dhabi media zone TwoFour54, it would appear to be something of a 'best kept secret'.

Where was the fanfare? The dancing girls? The roar of the greasepaint and the smell of the crowds? Companies typically waste no time at all in trumpeting office openings - look at the fuss Facebook and LinkedIn are making.

Tech website itp.net ran a couple of speculative stories on Apple opening a UAE office back in 2010 - one based on channel rumours of an office opening 'this year' and one quoting distributor Arab Business Machines (ABM) on how the opening wouldn't materially affect their business. And that's it. Nothing else. no announcements, no interviews. No Tim Cooks talking about commitment to the Middle East. Silence.

The only reason it came to light at all is that I mentioned on the weekly Unwired radio show yesterday that Apple had famously never opened a point of presence in the Middle East. In all these years, Apple has provided highly capable Arabic language support (it was very early to market with Mac Arabic language support for the burgeoning desktop publishing market, which it dominated in the Middle East) but never actually been here as such. A listener texted in 'not so' and so I asked Twitter.

The result was surprising. Not only did people come out of the woodwork with affirmatives, but one former journalist at The National even pinpointed the office building at TwoFour54 and mentioned that he'd been asked to desist from following up his story. Apple itself doesn't list out any worldwide offices on its website but does identify Apple UAE in its map of training centres.

So there we have it. Apple is actually here on our doorstep. They're just being very, very quiet about it...

Worth Its Weight In Gold?

English: A 1st generation Apple iPad. This is the 32GB WiFi model and shows the home screen. Please check my Wikimedia User Gallery for all of my public domain works. (Photo credit: Wikipedia)

Back in the distant past, when Dubai was all sand and mobile phones a novelty (and dinosaurs ruled the earth), we were regularly beaten down with offers to win a bar of gold. It was all Dubai's ad agencies could seem to think of, win gold was a sort of promotional catechism and nothing else seemed to matter.

'We want an ad campaign.'
'Sure. How much gold can people win?'
'We were thinking of five ten tola bars for runners up and a kilo as the first prize?'
'That should do it. We'll get cracking on the creative.'

The 'creative' usually included The Dubai Radio Ad, where Bob would meet Jim at the lights and wonder where Jim was in such a hurry to get to. Jim would reply that the Khara Centre is giving away a bar of gold. It is mandatory at this stage to have Bob and Jim repeat the phrases 'A bar of gold?' and 'Yes, a bar of gold!'. Preferably breathlessly and in the excited tones of someone who has just discovered that snorting cocaine and breathing helium are quite fun when done in unison. Bob would then speed off, with Jim wondering where he is in such a rush to get to. The Khara Centre, of course.

I once knew a successful ad executive who come here from Hong Kong. Over the months I watched his slow decline into chronic alcoholism as every idea, scheme and stunt he came up with was met with, 'Yes, that's all very nice. And the bar of gold?'. I had to stop meeting him in the end, my liver couldn't take the lunches. I lost track of him, but believe he eventually left. It's the only time in my life I've sympathised with someone in advertising.

Now there's a worrying trend emerging. I'm starting to hear those self same radio ads again, but this time there's no bar of gold. It's iPads. Yes, win an iPad! An iPad? Yes! An iPad! What do I have to do?

It's confirmation that the iPad is now widely seen as a Most Desirable Thing, as desirable in fact as a bar of gold. You'd have thought that was all a bit behind the curve, but then look at the increasing number of stupid ways people are finding to try and have some of that Apple 'halo brand' spangle dust stick to their sloppy brands.

I posted a short while ago about the pointless restaurant that doled out iPads instead of menus. Colleague Carriington reports of a restaurant in the Ramada that goes one step further than using an iPad as a like for like dumb replacement for paper - this restaurant lets you select what you want using the iPad and the application has an 'order' button so your order can be placed with the kitchen. Guests are asked not to press this button but hand the tablet back to staff so they can place the order. Brilliant.

Playing with Evi

So you've got an Android phone and you're jealous of those iPhone wielding pin-heads who are rattling around saying stupid things to Siri and getting wildly amusing responses, right?

Be green no more. For now we have Evi, the AI-driven personal assistant for Android phones that not only says funny stuff when you ask her to open the pod bay doors, but is also more Euro-centric (well, UK-centric, let's admit it) than Siri and also answers questions directly from her own databases rather than constantly pointing you to search engines as an answer.

Apple has already threatened to remove the iPhone version of Evi from its AppStore as it is "Confusingly similar to Siri" (or possibly just too good). This is obviously no problem for Android users, as their very own mobile operating system was considered so strongly to be 'confusingly similar' to Apple's own operating system.

Best of all, Evi works, although she sounds a lot more robotic than Siri:

What is the square root of 69?
The square root of 69 is 8-some - more accurately 8.30662386292.

Why did the chicken cross the road?
The chicken was on her way to the rail station. I told her there was a train to London leaving in 10 minutes.


What time is it in Beirut?
The time in Beirut is 10:16:58 Eastern European Time.

Where's the nearest McDonald's?
I couldn't find anywhere suitable, so here's Yelp results for McDonald's in your nearest town, Dubai.

Open the pod bay doors, Evi. (Well, I had to, didn't I?)
I'm sorry, Dave. I'm afraid I can't do that.

What do you think of Siri?
Siri is a great product in the iPhone4S. it controls the phone and retrieves information from Wolfram Alpha and Yelp in the US. But my technology differs. While Siri uses technology Apple got from Siri Inc, I use technology developed by True Knowledge. These technologies work in completely different ways. I'm also available on most Android phones and most iPhones and soon will be available on other channels. You can talk to me with voice or keyboard. Siri is only on the iPhone 4S and you must use voice.

How many calories are there in a Snickers bar?
There are 467 calories in 100 grams (3.53 ounces) of Snickers bar.

Evi is available on the Android market and is a free download. You can thank me for the time you wasted playing about with Evi later...

Steve Jobs. Tossing A Pebble

Image via CrunchBaseThis will get lost in the ocean of comment on Steve Jobs. It's almost pointless writing it, but sometimes you just have to jot the moment down.

There's little doubt Steve Jobs was an arrogant bastard. I've never met him (the closest I've got to true techristocracy was Ballmer) but the absolute certitude shone through in everything he did. Yet his drive and utter self-belief drove the people around him to create some wondrous things. I first encountered The Apple IIe microcomputer when I went to work for a startup computer music company back in the UK. That machine, the fruit of Jobs and partner Steve Wozniak's early 'home brew computer club' innovation, helped to create a revolution. It brought millions of people into the information age - it was the first 'proper' personal computer system. In 1981, Apple was to welcome IBM to the desktop computer age with its cheeky and iconic advertisement, followed soon after by the iconic Macintosh, launched with Ridley Scott's iconic TV spot.

It became all about icons. Jobs saw the work going on at Xerox's Palo Alto Research Centre (PARC) and immediately grasped it was world-changing stuff. Xerox, in a moment of monumental knuckle-headedness, didn't and closed the lab. Jobs hired the talent - and so did Gates. The two were each others' nemeses, both utterly driven men who knew they were right. It's just that Jobs ended up being righter. But now he's dead, so it really doesn't matter, does it?

PARC was where the WIMP (windows, icon, menu, pointing) interface was developed. Before PARC, all computing was text based. The world of mice and arrows brought a graphical way of interacting with computers and Jobs was the first to realise the significance of this new approach. Apple released the cludgy Lisa and then the stunning Macintosh. I remember my first encounter with a Mac, the little box with a screen in it happily reciting 'Simple Semen met a peeman' for me. The early text to speech software was not always brilliantly successful. But, again, Apple was way ahead of its rivals in even supporting such technologies.

Oddly, for a company that has always shunned any direct involvement in the Arab world, Apple was also a massively influential company in Arabic language computing and graphics. It would be years before Microsoft matched Apple's Arabic language capabilities - and by then, every publishing house and graphic design studio in the Arab world was Mac based. It wasn't to last: the Mac's strong domination of design and desk-top publishing was eroded by the sheer weight of the Microsoft/Intel alliance and the IBM PC architecture. Scully came, Jobs left and Apple started its long, inevitable dive towards the heart of the chapter eleven sun.

Cast into the wilderness, Jobs pursued his certitude and created NeXT, a high-end workstation system with its own innovative operating system. Too expensive, too 'out there' for its time, it failed and yet the NeXT operating system was to be acquired by Apple and form the heart of the Mac OS X. Incidentally, the World Wide Web was developed on a NeXT system by Tim Berners-Lee, the man who put the hole in the toilet seat that was the internet.

In his forty days in the wilderness the graphically-obsessed Jobs also acquired the animation studio that was to become Pixar, selling it on to Disney for a cool $7.4 billion. He was many things, but our Steve was rarely hard up. You can perhaps start to understand how he got by on that famous $1 salary as Apple's CEO.

But his crowning glory was his return to the company he co-founded. Jobs' triumphal return to Apple must have felt like the ultimate vindication to the man who had all the answers all the time, but the company was on the very brink. In 1997, Apple was the Sick Man of Computing and it was arguably Steve's old enemy Bill Gates who saved the day when he pumped $150 million into the seemingly lost cause that was Apple Computer Inc.

And then Jobs did something wonderful. He turned Apple into the world' most successful company. Starting with the iMac, going on to create the iPod and then the iPad, Jobs' mania for graphics and design were translated into products that were to revolutionise the way we consume what used to be called culture and today is called content. The iPod decimated the music industry, taking Apple from being a computer company into the mass consumer market. The iPhone toppled Nokia. The iPad has redefined the way millions of people consume information and entertainment. From a no-hope bankrupt, Jobs turned Apple into a company so successful its cash reserves eclipsed those of the US government.

The man who popularised icons, first with the Mac then with the iPhone and the iPad, Steve Jobs was himself an icon. His increasingly gaunt figure, wearing his trademark black turtle-neck sweater and jeans, became synonymous with smart, funky, minimalist innovation. I truly believe he is one of the most influential figures of the last century, a man whose impact on our society and culture will be felt for many years to come.

But I still think he must have been a total git to work with.