Young People, Non-Verbal Cues, and Couchsurfing

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This blog post is Part 3 in what has just become a three part series dealing with CouchSurfing. Check out Part 1 and Part 2 if you are unfamiliar with CouchSurfing or at all curious about its social significance.

Articles like this one frustrate me, because they consider intergenerational shifts in etiquette as failings on the part of younger people.  In fact, Marc Bauerlein seems to ignore the fact that etiquette does change over time. He starts off by telling us some statistics about the ways in which young people communicate:
"In September 2008, when Nielsen Mobile announced that teenagers with cellphones each sent and received, on average, 1,742 text messages a month, the number sounded high, but just a few months later Nielsen raised the tally to 2,272. A year earlier, the National School Boards Association estimated that middle- and high-school students devoted an average of nine hours to social networking each week."

Assuming this is significantly higher in 2010, why is this a problem for Bauerlein?  He tells us, "They read comments on Facebook, but they don't "read" each others' posture, hand gestures, eye movements, shifts in personal space and other nonverbal—and expressive—behaviors. Back in 1959, anthropologist Edward T. Hall labeled these expressive human attributes "the Silent Language." [...] He argued that body language, facial expressions and stock mannerisms function "in juxtaposition to words," imparting feelings, attitudes, reactions and judgments in a different register. This is why, Hall explained, U.S. diplomats could enter a foreign country fully competent in the native language and yet still flounder from one miscommunication to another, having failed to decode the manners, gestures and subtle protocols that go along with words."

There are two primary problems I perceive with this:

1) Twenty-somethings have learned to talk about non-verbal cues - social networks like CouchSurfing give us the chance to dissect "the manners, gestures, and subtle protocols that go along with words"

2) Social cues shift over time, as communication styles change and technologies appear that provide new ways of communicating.

As regards my first claim, I recognize that non-verbal cues still play a major role in face-to-face interactions, but there is a willingness to discuss the significance of social cues that seems to spring from post-modern self-reflexiveness (we love analyzing ourselves and others), as well as the reduced nature of face-to-face exposure.  CouchSurfing is particularly useful and vital in places where social customs and etiquettes are dramatically different from the ones we know.

In early May, I spent a week in Morocco with a female friend. I've lived my whole life in large Canadian cities, so while I am familiar with Muslim customs, I was totally illiterate in the "silent language" of Morocco. Meeting up with an American who had lived in Fes for several years gave me a chance to ask the questions that guidebooks didn't, and observation couldn't. Was our attire socially acceptable, even if we were being hassled? If we took a grand taxi (shared 6-person taxi), where should we sit?  Who were we supposed to be friendly to, and who did we have to ignore? What was an appropriate gift for our hosts in a small village? Would leaving food on the plate offend our hosts?

He graciously answered our questions, giving explanations, history, and context for things we might not have understood otherwise. There was also a CouchSurfing group called "For Girls Traveling to Morocco" which offered a forum for people to publicly ask those sorts of questions and be answered by other travelers.

As the world changes, taboos and etiquette do too. Fifty years ago it might not have been acceptable to answer the phone during dinner, and now it is common practice (between young people at least) to keep the cell phone on the table at the coffee shop, to avoid missing any texts or calls that should happen to come in. Of course, there are situations where texting is inappropriate: classrooms, meetings, etc., but it is inappropriate in the same way that passing notes is inappropriate.  On the whole, yes, face-to-face interactions are less frequent than in prior years, but that doesn't mean that people are incapable of communicating non-verbally. It is important to recognize that social cues are flexible too, and that "silent language" may no longer be so silent.

 

CouchSurfing: Personal Experiences

This is part two of my CouchSurfing series. Check out part one here.

While I'm not exactly a seasoned, dyed-in-the-wool CSer (I don't attend CS meetups, and Montreal is so popular that I almost never get asked to host), I have had numerous encounters with fellow surfers (either as a host or as a friend of the host), my friends have used couchsurfing while traveling, and I have met up with several couchsurfers in the course of my own travels.

What I've learned is this:
1) Strangers almost immediately become incredibly trusting, trustworthy, and helpful friends.
2) There are bad experiences on CS.
3) A single couchsurfing experience can transform the least pleasant trip into a nostalgia-inducing memory.

Let me expand on each of these.

Strangers almost immediately become incredibly trusting, trustworthy, and helpful friends.
Once someone has made the commitment to host you or meet up with you, they are accommodating to the utmost. My hosts have switched shifts, postponed plans, hurried tattoo appointments, and woken up early to drive me to the airport on time. They invariably check regularly to make sure I am at ease and having fun, apologize for their friends, and feel bad at having other priorities in their lives than me. Another friend of mine, while travelling in Vietnam with no knowledge of the language, ended up in a rural village because his hosts wanted to show him their hometown. People want to make sure you have an amazing visit any way they can.

There are bad experiences on CS.
In the past week or two I have heard for the first time about negative experiences with hosts. As a single girl who travels alone, it is extremely useful to know that some people use CouchSurfing to find one-night stands. Provided you are extremely clear with strangers that you are not interested in being shown that kind of good time, CouchSurfing is generally a safe environment, and as a friend pointed out, a negative reference pretty much guarantees that person will never host or be hosted again. Like any other place, CS has its share of sketchballs, and while in real life you are frequently without recourse when people behave in transgressive ways, on CS you can warn others.

A single couchsurfing experience can transform the least pleasant trip into a nostalgia-inducing memory.
A good couchsurfing experience is more than just a couch to stay on or a couple of dollars saved on accommodation. CouchSurfing hosts provide a gateway into the social life of a city. They know which bar is host to open mic nights. what microbrewery produces the best beer, and which is the best live music venue. They know what neighburhoods to avoid after dark and how to cheat the local transit system. When you have no friends in a city and no guidebook, CS hosts can tell you what museums are worth the entry cost, and draw you into their circle of friends for a dinner or a beer.

A friend of mine moved to Australia to work as an au pair, and had zero connections there. She has built an entire friend circle through local couchsurfing communities, attending meetups, bonfires, joining classes with fellow CSers, and taking trips together. CS is like a codeword to be let into an insta-community, a loose aggregation of people who are open.

CouchSurfing is one of the most interesting examples of how ideas about privacy and openness are transformed on the internet: while there are still ways to keep private information private, CS is really about learning to embrace openness in your personal life offline as well as in your interactions online.

The Buzz Nearby: Why You May Never Be Much Of A Mayor On Foursquare

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A rapid convergence is taking place between the web and reality. The artificial division between the virtual and the real is starting to dissolve, as various applications and technologies combine to stitch together interfaces and activities that together dissolve the barriers between the web and our material world.

Augmented Reality is a vivid depiction of how this may manifest a few months from now, however in the present, services like Foursquare, Gowalla, and Google Buzz are helping to make it a reality. In contrast to AR, which I suspect most people still find a bit terrifying, the current batch of location based services have basic interfaces, usually connected to maps, which we're all relatively familiar with.

In fact there's something kind of seductive to using maps as an interface to this emerging convergent world where our location and surroundings are rich with information and social ties.

Is it an indication that we're lost and looking to find our way? Or the inverse, that we know where we are, and we wish everyone else to know as well?

The motivations for using social media and sharing one's location are not always as obvious as they may seem. Critics often slip into absolute terms when assessing how location based services can and will be used, however to fully understand their impact and potential, it is important to immerse oneself in the experience.

Let us therefore look at three location based services, each of which has its own characteristics, and features, yet all comprise a similar genre and competitive space.

Foursquare is the service I've been using the longest, and has recently been getting a lot of the credit for advancing this particular genre. The idea is that your city becomes a large game board and that each location you land on gives you points, which you can compare to your friends and fellow players via leader boards. If you land or check-in from the same location often enough you can become the "Mayor" of that spot, giving you extra recognition and points in the game.

One of the business models being developed around location based social media is the connection between points or status within these systems and real world discounts or loyalty rewards from the vendors who's spots are frequent check-ins. Foursquare becomes a kind of broker or media outlet that connects businesses with their (potential) clients. As each of your friends check-in to an establishment they are broadcasting that fact and acting as a kind of mini-advertisement for that location. If the experience goes well they could return and rise to the position of mayor, a sort of micro-celebrity endorsement.

Social hierarchy is clearly one of the desired by-products of these games, as the points, badges, and titles all add up to create both incentives towards participation, but also means by which some users are afforded special treatment.

Emulating power structures within the real world, the ability to become mayor is not determined by the number of check-ins, but instead factors in the users overall influence. The more powerful you already are the easier it is for you to usurp other players and add to your Mayoral holdings. While the interface may not exist to map out this neo-feudal phenomena, it's only a matter of time before it happens, given the API Foursquare makes available.

Which is of course the danger of any game, that people will no doubt try to manipulate the system, and "game" the network by figuring out the logic and pushing it to its limits. On a basic level this occurs as people create locations that don't exist or that only they have access to. Other times it's just obsessive behavior that has people checking in at all times from anywhere they might be. Although neither of these are wrong per se, they just take the system to the extreme and potentially amplify influence that may not reflect reality.

Reality being the ironic rule of these games, that while they have a definitive virtual dynamic to the way in which the information is shared, the interface of the map, the central position of location, means that reality is the basis of the game itself.

Yet what I find about GoWalla that makes it both fun and interesting is the way in which this reality is augmented by virtual objects, that are traded, found, and dropped on the spots or places that you land on.

I started using GoWalla largely because FourSquare limits itself to particular urban environments, whereas GoWalla can work anywhere. When I was travelling this winter GoWalla was useful in helping me scout nearby locations whereas FourSquare was non-existent off the beaten path.

The other thing I enjoy about GoWalla is the lack of Mayors. FourSquare isn't even that old and the social hierarchy is already so rigid that I'll never be mayor in the locations I frequent most.

Instead GoWalla's game is based on the collection of virtual objects. As you go around you receive and find objects that you can collect or drop that add a virtual layer that help us conceive of an augmented reality. Think of it as a cross between virtual graffiti and recycling.

Yet even such a simple game around collecting virtual objects can be easily abused, and in so doing erode the integrity of the system. For example I've found in a number of spots, like my local Canadian Tire, the check-in point is far off in the parking lot because the person who created it was just driving around creating spots at random in the hopes of collecting more items.

While these juvenile characteristics may alienate people who are not interested in playing games, there is still considerable potential in these services as interfaces to parts of our urban environments that we might otherwise ignore.

This is why I'm finding Google Buzz to be far more interesting than Foursquare and GoWalla, in large part due to the transparency and utility of the service. Without any games, and integrated directly into Google Maps, Buzz appears to be a clear path between our current world of location based social media and the near future of augmented reality.

When Buzz was first announced it received a resoundingly negative response as in typical Google fashion the announcement/launch was neither clear nor expected. The option to join Buzz was confusing, and many people agreed without understanding what they were agreeing to. It was a new concept, especially to those unfamiliar with social media.

Now that the dust has settled, I think Buzz deserves a second look. Google deserves credit in general for thinking (relatively) long term, and allowing their products the time to develop and grow. It's wrong to dismiss their products upon launch, given Google's commitment to allow their products to be in the public even in pre-beta phase.

The primary thing I like about Buzz is that it is not necessarily based on your existing social network. Yes there is an aggregation element of Buzz that gathers all of your (and all of your friend's) social media together in your gmail account, however the mobile interface to Buzz is completely different.

Whether via an Android device or Google Maps Mobile, you can view the Buzz that is "nearby" whether as a list, or directly integrated into Google Maps. For example as you browse the map, you see little word balloons that if you click on reveal what people are saying. Sometimes it is random chatter, other times they are comments tied to a business or specific location, in which case they become integrated with Google's listing for that spot.

These entries are of course all set to public, you can't see people's private entries, but the logic of this system, like most social media, is to share your posts with the public at large. What I like about Buzz is the semi-randomness of the people I'm being exposed to. What we have in common is geography, but otherwise they are strangers, which I quite like, given that it increases the likelihood of learning something new.

For example I was in Mississauga earlier this week for a client meeting and before leaving looked at Buzz to see who was nearby and what were they saying. One person in particular who's buzzing I noticed, was Punit Soni, who is Lead Product Manager, Mobile Apps, at Google. He's one of the main people working on Buzz and happened to be only a few kms away from me at the time.

Granted these are the early days of this platform, but it demonstrated to me how different this platform is, how it more closely resembles the type of interactivity I've talked about for years, without the games. A nice combination of geographic intelligence, random connection, and yet the power of google's knowledge management practices that integrate all of this activity into their larger interfaces.

So if you're curious about understanding how the current convergence between location and social media is moving towards augmented reality, then I'd encourage you to start "playing" with Google Buzz. You can find me here.

It may give you a glimpse into the near future while also giving you a sense of what's around you right now.

Speeding Towards Augmented Reality in the Automobile

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Augmented Reality is the newest frontier in car technology and General Motors is trying to bring it to the masses.

What is Augmented Reality you ask? It's a rapidly emerging field that combines information gleaned from the web and super-imposes it on top of "reality". From a technical perspective it employs GPS technology to determine where you are, and then uses cameras and software to engage in pattern recognition using the objects or landmarks around you.

Augmented Reality is largely being driven by the mobile industry, and the proliferation of smart phones, but as a concept is finding traction in all sorts of areas, whether they be at home with your web cam, or with glasses, or contact lenses.

As you drive your car, the AR system would be constantly scanning your surroundings, and co-relating that info with the GPS, to create a new kind of interface via your windshield.

This might be used for safety purposes, like recognizing when a hazard approaches, or anticipating an accident, or detecting a speed trap ahead, and gives you instructions on the windshield to slow down or stop, or maybe avert that nasty pot hole ahead.

Similarly it could also be used for navigational purposes, like helping you go from A to B, or recognize the restaurant you're looking for, or indicate when gas is ahead, or even point out that the car ahead of you has your elementary school teacher in it.

The potential here is really incredible, hence why AR is making such rapid gains in our society.

Why is GM choosing to go down this road? One way to think about this is as an extension of their On-Star services that provides things such as roadside assistance, navigational help, and safety features. This basically allows that service to continue to evolve and distinguish itself from other companies.

GM faces considerable competition when it comes to automotive technology, with companies like Toyota and Ford translating technological advances into market success, although Toyota has felt the consequences of rushing forward with technology too quickly.

The problem of course with any new technology is that you can never do enough testing, that it always requires a certain degree of market tests in which actual consumers use the technology. Which means the early adopter or guinea pig always goes through a bit of turbulence to enjoy the new technology.

However it is the potential malicious use of technology that should really alarm us. For example in Austin Texas a dealership installed technology in cars they leased that allowed them to remotely disable the vehicles if their owners fell behind in payments.

Problems arose when an employee of the dealership was fired, and took revenge on the company by illicitly obtaining access to the system, using it to destroy records, disable over 100 cars, and in some cases remotely activate alarm systems and horns to the shock of their owners (who of course had been dutifully meeting their car payments).

Now just imagine if the cars had an AR system, the type of potential malicious use borders on the spectacular, if not outright terrifying.

Therefore perhaps we should question our tendency to always look to new technology as a solution for problems we may not even have. In the case of the auto industry there is an incredible amount of competitive pressure to continue innovating and introducing new features, bells and whistles, to win the business of fickle consumers.

One of the dynamics is the need to convince us we need to buy something new when what we already have works fine. This is the nature of planned obsolescence that marks the impact technology has on many number of industries.

The danger of course is that we push new technology through without properly testing it our evaluating the consequences and hidden impacts. This is why Toyota is in the trouble they are. Their technology allowed them to get ahead of other auto makers, but perhaps they went too far and too fast?

The more dependent we become on technology, the more severe the consequences when the tech goes bad and the greater the difficulty in diagnosing the problem at hand. Assuming of course we can even identify the problem. Far easier to just throw more technology at it.

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Couchsurfing: How it works

This blog post is part 1 of 2 on CouchSurfing. This will serve as a brief intro, and the follow-up post will talk about personal experiences of CouchSurfing.

You may not have heard of couchsurfing. It's the sort of thing that appeals to free spirits of every age, but apart from that, primarily serves a distinct population of globetrotting twenty-somethings (with a smattering of thirty-somethings thrown into the mix).

CouchSurfing "is a worldwide network for making connections between travelers and the local communities they visit." With over 1.7 million couchsurfers, at the time of writing, CouchSurfing.com has facilitated 1,853,207 successful surfing or hosting experiences, and the average age of a surfer is 28. 

The Profile:
CouchSurfing (CS) is a social network. Just like any other online network, when you sign up, you create a profile. What's different with CS is the focus of the questions they ask you to fill out: there are traditional categories like education, hometown, and music/movies/books, but there are also categories like "teach. learn. share" and "personal philosophy".  These tell you more about the sociopolitical stance of members than any overt message or mission statement.

Perhaps the two most useful features of the profile are not in the personal description section.

References:
Whereas facebook and myspace have walls for chatting back and forth publicly, what CS has is a reference section. As members gain friends and meet people on the network, they write references for one another. On any given profile, you can see the references that person wrote for others right next to the references other people wrote for them.

References tell you what to expect from a host or a guest: Do they drink? Do they like to dance? Are they gourmands or do they like to cook at home? Will they keep the conversation going until late into the night or are they early risers? The fact that both surfer and host's experiences are visible on the wall means that you can glean information about the host in both directions: how they react to their hosts or surfers, and how their surfers and hosts react to them.

A reference can be positive or negative, and a negative reference can never be erased.

Finally, the truest measure of a person's reliability (once they have a few friends) is the vouching system.

Vouched For?

Since CS is all about letting strangers into your home, there is a system of checks and balances to prevent abuses of the system. "Vouching" is the highest level of trust one person can rate another with. The way vouching worked in CS's adolescence was that the innermost circle of CSers were able to vouch for other members. As more people joined, those members who had been vouched for three times gained the ability to vouch for other members.

There is a little logo on every vouched-for person's profile. It is of hands clasped together, and if they have been vouched for more than once, it has a number beside it. Vouching guarantees that x number of users believe that the vouched-for user is 100% reliable, and that they would trust the vouched-for user with their life. It is the number one thing that makes a user a desirable surfer or host. At this point, about 7% of the CS population has been vouched for.

Demographics:

For extended info, you can hit up their statistics page.

http://www.couchsurfing.org/statistics.html

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Google Apps Marketplace: A Bridge to the Clouds?

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Last week the Google Apps Marketplace opened for business. It is a facility for third party developers to add functionality and features to Google Apps, which is a service the web giant offers to business that allow said organizations to harness the power of cloud computing.

Cloud computing is an emerging concept that encourages people to do all their work on the web, instead of desktop computers, and in this case instead of corporate servers or expensive Microsoft Outlook/Exchange/Office systems.

Google Apps combines a number of different services, like gmail for web, google docs for word processing, spreadsheets, presentations, calendar, web site publishing, basically all the informational/software needs you would require to run the basics of the company.

Google is also notorious for using a "freemium" model in which the basic level of services are free, but you can pay for a premium level that comes with support, uptime guarantees, no advertising (cause the free model has ads), and other advanced services.

I've been using the free version for years and have found it to be well worth the price. The premium version meanwhile costs $50 per user per year, which is still considerably cheaper than just about any other solution available.

The Google Apps marketplace builds upon this solid foundation by opening up the platform to third party vendors who want to provide/sell added functionality. This is partly inspired by the wild success of the iPhone and its applications that are able to do just about anything imaginable.

Seemingly everyone is now setting up a marketplace or application interface to allow for such 3rd party functionality. Google has been doing this with their phones, and their web browser, and now will also do this with their corporate communications software, i.e. Google Apps.

Some examples include CRM systems, a/k/a customer/client, relationship management systems, as well as accounting software. There are also applications that focus on collaboration, as well as utilities, such as gTrax which was developed by Halifax based Norex.ca, one of the world's leading dev shops focusing on applications for Google's platform(s).

For those of us already using cloud based services like Google Apps, the advantages are clear, and hence why companies like Norex are moving quickly to help others find their opportunities in the cloud.

The reduced cost is an obvious advantage. Often these services are free or a fraction of what you'd pay for running them in your office. This benefits both the consumer of the software, but also the producer, as it gives them an incentive to offer multiple level of pricing, including a free tier, so as to give people the opportunity to try their software. In the cloud this is far easier than the old ways of downloading and installing a demo that might mess up your computer so you were quite likely to just take a pass.

Access and mobility is another great and obvious advantage as you can connect to the cloud from anywhere, access your data, your email, your virtual office from anywhere you are. In many cases this may even eliminate the need for an office entirely, at least one as large as most companies currently maintain.

Another advantage is the evolutionary nature of cloud computing. The software is always improving, always getting better, yet in a way that doesn't leave you locked into older versions. One of the benefits of this approach is it absolves the user of the responsibility to take care of the software, whether install, upgrade, maintain, all of that is taken care of centrally.

Same is true with most security aspects, as well as backups. When done right, cloud computing will offer a more secure and reliable service than running the same stuff yourself.

However the risk is that if done wrong, then you can easily end up in a far worse situation, with increased vulnerability, and decreased stability.

Instead the role and responsibility for security has shifted, so that instead of securing your machines, your securing your access to the cloud. Proper password and access management is a must, as are proper privacy controls.

There's no reason why you can't have greater privacy computing in the cloud, the key is just to use the tools properly and securely. We keep hearing about break-ins into offices to steal physical computers, this potentially prevents that, assuming of course your passwords are secure and changed regularly.

The other potential risk is that without internet access you can be effectively unable to do your work. Therefore it becomes extremely important to make sure you always have access to the internet, including backups, so that you can always get to the cloud that has your data. Though that's also a good habit to have. Productivity in our age often depends on internet access so its a good process to ensure you've always got it.

However we can't forget about Google's long term interest. What's their agenda for seducing us into the cloud? Their mission of course is to organize the world's information and this an important part of that plan. Corporate information accounts for a considerable sum of the world's information, far greater than what is publicly available on the web, and so to get access to that pool of data is part of Google's master plan of being that great "organizer".

Yet on a more practical level this is a competitive play against Microsoft, and some of the other players in the business software industry. While on the one hand Google is undercutting their competitors by providing similar services for a fraction of the price, they are also trying to shift society towards cloud computing, which benefits Google and their massive infrastructure, at the expense of Microsoft, who's power is on the desktop, and their fading Windows monopoly.

The Rise of The Surveillance Club

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Today, March 9th 2010 I participated in an interactive workshop at the Centre for Social Innovation in Toronto titled Surveillance and Civic Action. Organized by Andrew Clement and Kate Milberry of The New Transparency Project, the purpose of the event was to bring together as many different perspectives as possible regarding the rise of surveillance in our society.

Each participant in the workshop offered some sort of presentation or demo that showcased their work or thoughts on the broader subject of surveillance.

However surveillance was really just a thread that connected other topics, and not the primary focus of the day long discussion. Instead surveillance was used as a segue to all sorts of spheres that relate to how our society is transforming in this age of the Internet.

In the same way that environmentalism has helped us become aware of our symbiotic relationship with the environment, perhaps something similar is required to help us understand our symbiotic relationship with cyberspace.

While the language and discussion in today's workshop was generally accessible, it was also fairly sophisticated. The level of knowledge and expertise in the room was impressive. In bringing this group together Kate and Andrew initially sought to include academics and activists, yet it was quickly clear that we each had more to our identities than these simple categories.

We also recognized the importance of expanding this conversation, and opening to the public participation in this ongoing dialogue. At a basic level, I want the research that was shared today to obtain greater visibility and reach than it currently does. The problem with academics is that they so rarely leave the ivory tower to realize that so much more awaits them in the popular culture. The more time they spend engaging and conversing with the public the more accurate their research will be and the more potential rewards to be shared by all.

Take for example the notion of surveillance literacy, that gives a citizen the ability to understand the extent to which they are monitored and why. This is something that can easily be shared and can empower a larger discussion around appropriate use and regulation.

In order to get that discussion going, the participants of today's workshop agreed to meet again, this time under the name, The Surveillance Club, which would be an inclusive attempt to continue and expand the conversation about the rise and role of surveillance in our society.

The idea of The Surveillance Club reminds me of The Media Collective which was a similar concept back in the web's early days. Both seek to understand the intangible and make it tangible via collective conversation and action. Will be interesting to see what sort of characters are attracted to such a proposition.

The next meeting of the Surveillance Club will be held in Toronto at InterAccess on Tuesday April 6th at 7pm. If you are concerned about or interested in the rise and use of surveillance in our society then please join us. We welcome your participation.

The Rise of Mobile Commerce

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A new mobile payment system introduced by the Canadian company
ZoomPass is the latest in a line of technology that has tried to
entice consumers into using wirless or chip based smart cards as a
means of making small payments. So far consumers have been resistent
to adopt these kinds of payment systems, however given our obsession
with mobile devices, and their ubiquity in our lives, this might be
the system that succeeds where others have failed.

ZoomPass is a Canadian mobile payment system that is owned by Canada's
three largest mobile companies (Bell, Telus, Rogers) and backed by
MasterCard. Originally it started as a means of making payments via
text message, as well as a smart phone application. The person making
the payment and the person receiving it used to have to both be
ZoomPass users for it to work. The new system however makes it easier
for ZoomPass to be used anywhere, potentially transforming your phone
into a type of MasterCard debit card.

This new mobile payment technology is basically a sticker with a kind
of RFID (Radio Frequency Identification) tag that you affix onto the
back of your phone. When you want to make a purchase all you need to
do is wave your phone (with the sticker) in front of the point-of-sale
reader, normally situated right by the cash register. The transaction
is then completed. It's that simple. Also, since it's based on an
existing MasterCard technology there's already a lot of retailers who
support and already have the readers, including places like McDonald's
and Tim Hortons.

I should also point out that as far as I can tell, the technology does
not literally require a mobile phone. It's just a sticker, that you
could say put on your jacket or your glove or your wallet or whatever
and just wave in front of the reader and it will work. The idea of
putting on your phone however is that you carry that everywhere
anyway, and you can use the phone to login to your ZoomPass account
and check your transactions or add more money to buy more donuts and
coffee.

ZoomPass is part of a larger trend as we're seeing a huge explosion in
mobile commerce, both in terms of payment systems, but all aspects of
the commercial experience. For example QR-codes and similar mobile
codes are starting to appear everywhere. These are weird looking
symbols on product tags, store windows, and advertisements, that when
viewed via the camera in your mobile phone unlock info about the
product increasingly including the ability to buy it right then and
there. Call this the early days of Augmented Reality commerce.

Similarly location based services are finding commercial application
as they spawn a new age of virtual coupons, that give either frequent
visitors, or visitors with the right mobile software a discount as
both an incentive to come into the store, but also a reward for
sharing their personal information. Services like FourSquare and
GoWalla are doing this via an opt-in that is manual, but IBM is
developing a service called "Presence" that will share and detect this
kind of information automatically.

When it comes to these types of services, most consumers quickly start
to think about security and privacy issues.

Naturally there has to be some security to any payment system, and yet
ZoomPass is just a sticker, so if it were stolen, it would be trivial
for the thief to buy things with it. Yet part of the design is to make
it disposable. If it is lost or stolen you can just login via the web
to your account and cancel that sticker and activate a new one.
Similarly you could control which vendors you frequent/use and how
much can be purchased per transaction, limiting it to under $20 if all
you used the tech for was buying coffee and donuts.

Of course the privacy angle is a whole other issue. Mobile commerce is
the classic example of giving up privacy in exchange for convenience,
and giving up privacy in exchange for very modest rewards. That's the
real trade-off for any of these systems, and where you see privacy
regarded less as a right and more as a commodity that you can sell for
10% off already marked-up slacks.

Yet the really interesting part, that we think a lot of people miss in
all these mobile commerce systems is the rise of virtual currencies.

Money as a medium has always been abstract and virtual. Cash as a
tangible and physical artifact limited the number of currencies we'd
bother carrying around with us, but as a our wallet becomes digital
and its capacity seemingly infinite, then why not accumulate and trade
in all sorts of currencies? Frequent flyer miles are one example of
virtual currencies that have exploded in the last ten years, and now
all sorts of entities are developing their own. Facebook for example
has their own, that they will aggressively expand, and in ZoomPass,
the mobile companies have their own kind of currency. Long term you
have to wonder that with the power of having your own currency might
also come the power of being your own virtual government?