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Google is developing a micropayment platform that will be “available to both Google and non-Google properties within the next year,” according to a document the company submitted to the Newspaper Association of America. The system, an extension of Google Checkout , would be a new and unexpected option for the news industry as it considers how to charge for content online. The revelation comes in an eight-page response to the NAA’s request for paid-content proposals, which it extended to several major technology companies and startups.
Social Lending Series The Social Futures Observatory and Zopa released a study entitled, “ Social lending the next Web 2.0 phenomenon .” The study looked at a number of Social Lending players, and used Zopa , the online marketplace where people meet to lend and borrow money, as a case study. Zopa currently has 105,000 members in the UK.
YouTube, along with Second Life, Flickr, Wikipedia, and MySpace, has emerged as one of the key reference points in contemporary digital culture — emblematic of the move towards what people are calling web 2.0. As Newsweek aptly put it last year, web 2.0 is “putting the we into the web.” Elsewhere, I have argued that web 2.0 is fan culture writ large, fan culture without the stigma. Nobody is telling these guys to move out of their parent’s basement — though some of them have started multimillion dollar companies out of their parent’s basements. What separates these companies from the dotcoms which fueled web 1.0 is the emphasis upon participation, social networking, collective intelligence, call it what you want.
Service Design – From Insight to Implementation by Andy Polaine, Lavrans Løvlie & Ben Reason Rosenfeld Media – March 2013 (book will be published tomorrow) We have unsatisfactory experiences when we use banks, buses, health services and insurance companies. They don’t make us feel happier or richer. Why are they not designed as well as the products we love to use such as an Apple iPod or a BMW? The ‘developed’ world has moved beyond the industrial mindset of products and the majority of ‘products’ that we encounter are actually parts of a larger service network. These services comprise people, technology, places, time and objects that form the entire service experience.
Peer-to-peer micro-finance is expanding from lending marketplaces like Prosper and Zopa to peer-to-peer affinity-driven financial support for a wide variety of arts, humanitarian and software development projects. The phenomenon has many names: crowd funding, crowd sourcing, social finance (coined here?), and virtual affinity group capital .
Markets 2.0: Social Finance. Affinity Capital. More updated material is available in the Presentation Melanie Swan firstname.lastname@example.org http://www.melanieswan.com http://futurememes.blogspot.com