Simple Banking

Much of banking is just moving around data. And that should be kept out of sight.

First Look: Simple Reimagines Banking

one fundamental axiom of modern life: banking sucks..... Banking sucks a lot. What’s worse, when it sucks, not only does it drive you insane, it costs you money. Lots of money. ..... they would use the large charges to make the balance fall to zero as quickly as possible, then hammer the account with the small charges to rack up overdraft fees ...... the bank’s abusive fees and seeming inability to block fraudulent charges from hitting my account — even after being notified multiple times — he was apologetic but unable to offer much help. ..... Simple, and the company’s stated goal of removing abusive fees ..... The bank’s phone support was a nightmare ..... “Simple replaces your bank, but we are not a bank.” ..... The company’s drive for simplicity permeates everything from the packaging that the card is shipped in, to the massive “Call Customer Service” button in the app, all the way to its promise to never punish its customers with hidden fees; yes, the overdraft fees that decimated my PNC account a few years back are gone. Kaput. ..... “Our stated mission is that we don’t profit from fees

There's moving around money. That's data. Then there are abusive fees. That is behavioral. And then there is customer service. Three different things, all related.

The no abusive fees part should fall in the public policy domain, one would think.

And great technology should free up resources to provide amazing customer service.

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Tech Leadership On Patent Reform

The official online color is: #A4C639 . 한국어: 공식 온라인 색은: #A4C639 . (Photo credit: Wikipedia)

It is for the biggest tech companies to take the lead on patent reform. Perhaps there are allies on Capitol Hill. But this Microsoft gesture seems to seek patent defeat not patent peace. For now the big dogs are in mood to duke it out, not hug it out. That is the impression I get.

Microsoft to Google: Enough With the Diversionary Tactics, Let’s Hug It Out

called on Google and Motorola to join it in hammering out a comprehensive settlement of intellectual property disputes between them ..... Motorola’s public proposal to take a license for only a small sub-set of the large number of Microsoft patents used in its products will not result in durable patent peace ..... “Microsoft wants to undercut Motorola’s industry-leading patent portfolio, licensed by more than 50 other companies on fair and reasonable terms, while seeking inflated royalties tied to standards that Microsoft alone controls. Motorola is always open to negotiations that avoid wasteful and abusive patent claims.”

A Solid Foundation for Patent Peace

we are seeking solely the same level of reasonable compensation for our patented intellectual property that numerous other Android distributors – both large and small – have already agreed to recognize in our negotiations with them.

Microsoft to Motorola: The way to 'patent peace'

The patent wrangles have a complicated history: earlier this year more than a dozen Android-powered Motorola devices were banned from being imported to the U.S. for sale because Motorola was found to have infringed Microsoft's ActiveSync patent, thanks to a ruling by the U.S. International Trade Commission (ITC). ..... More recently, a German court banned the sale of all Motorola devices running Android because the smartphone maker infringed a Microsoft-owned patent relating to file storage. .... Meanwhile Motorola secured an injunction against Windows 7 and the Xbox in Germany over H.264 video codecs, though the sales ban will not be enforced immediately. Microsoft said it wanted to use the video compression technology, but Motorola would charge in the region of $4 billion in annual royalties -- which Microsoft said was not at the market rate.

Microsoft wants 'patent peace' in ongoing Motorola spat

Microsoft's lawyers pen a public note to Motorola: 'We want to talk because this patent nonsense is getting way out of hand.' Will the two companies kiss and make up, or squabble until a court rules?

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Outlook.com: Microsoft's New Attempt At Email

This move kind of surprised me. But it sure is a great move. It is a great attempt to bring the sexy back to the Microsoft brand name.

This quote below is from my first email in my Outlook.com inbox.

An experience with no compromises

Outlook.com is the first step in creating one complete experience for the next generation of communications. Email should be connected to your friends – whether they like to use Facebook, Twitter, LinkedIn, Google, or a combination. Email should let you get more done, faster – with immediate access to your inbox and tools that can automatically categorize, move, or delete messages you don't want. Email should be deeply integrated with other services – for Outlook.com, you'll find that Office Web Apps, SkyDrive, and, soon, Skype come built right in. And we hope you have already noticed our fast, beautiful user experience.

Introducing Outlook.com - Modern Email for the Next Billion Mailboxes

Webmail was first introduced with HoTMaiL in 1996. Back then, it was novel to have a personal email address you could keep for life - one that was totally independent from your business or internet service provider. Eight years later, Google introduced Gmail, which included 1 GB of storage and inbox search. And while Gmail and other webmail services like Hotmail have added some features since then, not much has fundamentally changed in webmail over the last 8 years ..... email represents 20% of the time we spend on smartphones, and is used extensively on tablets as well as PCs ..... the first email service that is connected to Facebook, Twitter, LinkedIn, Google, and soon, Skype, to bring relevant context and communications to your email. .... 50% of the email in a typical inbox is newsletters and another 20% is social network updates.

It does look clean. But then I only have one email in the inbox, one from Microsoft itself. I am more likely to come for Skype and SkyDrive, also the Office apps. For now I think I will stick to my Gmail.

This puts Marissa Mayer under additional pressure. Yahoo also needs to reimagine its email.

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