Over at The Hill, Tim Devaney highlights an interesting report from the Consumer Financial Protection Bureau that shows how mobile banking can be beneficial to low-income people:
The bureau said 74,000 people each day signed up for mobile banking services last year, many of whom are low-income individuals whose only access to the Internet is through their phone, the agency said.
According to a Federal Reserve study, 39 percent of underbanked people use mobile banking applications.
Via Michelle Healy of USA Today comes some troubling news when it comes to technology and kids:
If your teen texts while driving, chances are he or she also practices other dangerous motor vehicle habits — including failing to buckle up and driving after they have been drinking, a new federal analysis finds.
In 2011, 45% of all students 16 and older reported that they had texted or e-mailed while driving during the past 30 days, says the study by researchers at the Centers for Disease Control and Prevention and reported in June’s Pediatrics, released online today.
Later in the piece, Healy quotes CDC Director Thomas Frieden:
“Multitasking may be fine if you’re sitting at your desk, but not when you’re driving a car,” Frieden adds. “Things can go so badly so quickly. That’s what I think teens don’t recognize.
At Read Write Web, Brian S. Hall writes about how “mobile is taking over the world,” as he puts it:
Figures published earlier this year from the UN’s International Telecommunication Union (ITU), for example, reveal the amazing spread of mobile connectivity. According to the ITU’s “facts and figures” publication, mobile penetration rates are now about equal to the global population - including an 89% penetration rate in “developing countries,” which currently have the highest mobile growth rates.
In other words, nearly everyone on the planet has a mobile phone — or will have one soon enough.
The Board of Governors of the Federal Reserve has released a new study that shows people are increasingly using their mobile devices to handle banking. From a press release:
As of November 2012, 28 percent of all mobile phone users and 48 percent of smartphone users had used mobile banking in the past 12 months. This is a significant increase from 21 percent in December 2011 for mobile phone users and 42 percent for smartphone users. While relatively less common, the use of mobile phones to make payments at the point-of-sale increased threefold over the same period, with 6 percent of smartphone owners having used their phone to make a purchase.
Speaking of mobile traffic, Scott Moritz of Bloomberg reports once wireless provider saw a big — and I mean big — jump in traffic during last Sunday’s Super Bowl:
From 8 p.m. to 9 p.m. New York time, a span covering the halftime show and the power disruption during the Feb. 3 game, customers used 78 gigabytes of data inside the New Orleans Superdome, AT&T said yesterday. That was almost double the peak volume of last year’s Super Bowl and the most ever for an in- stadium championship game.
All told, AT&T says mobile traffic was up 80% over last year’s game. That’s a lot of tweets, texts, and whatnot.
Apple’s iPhone may have a lot of competition these days, but new numbers show the company is still dominating the market. As Brett Molina of USA Todayreports:
Apple outdueled Samsung on mobile phone shipments in the U.S. during the fourth quarter, according to research from firm Strategic Analytics. It’s the first time the company has ever claimed the top spot in mobile shipments.
Overall, 52 million mobile phones were shipped, a 4% jump from last year. Apple snagged a 34% market share, shipping 17.7 million phones. The maker of the iPhone held a 25% during the same time last year.
Via Patricia Reaney of Reuters, a new report sheds like on how mobile devices such as smartphones and tablets are affecting education:
Smartphones were used at home for schoolwork by 39 percent of 11 to 14 year olds, 31 percent of those surveyed said they did assignments on a tablet while nearly 65 percent used laptops, the poll by research firm TRU, which specializes in data on tweens, teens and twenty-somethings, showed.
For more on technology and education, check out our “Back to School with Broadband” webinar from August.
At The Hill, Jennifer Martinez reports on a hearing today in the House focused on keeping the growing mobile app market booming:
At the Wednesday hearing, subcommittee chairwoman Rep. Mary Bono Mack (R-Calif.) noted that the booming mobile app marketplace has helped spur the launch of several new small businesses. She said that roughly one-third of apps are developed by entrepreneurs or businesses with fewer than five employees.
“Through American innovation and ingenuity, we’re rapidly becoming a world where there’s literally an app for everything,” she said.
During the hearing, industry reps highlighted some challenges the industry already faces. Among them: trouble finding employees due to a lack of a relatively small pool of trained workers, and an issue we’ve often talked about:
Another challenge facing app companies is the looming spectrum crunch and lack of broadband Internet in rural regions of the U.S., the industry representatives said.
Ramsey argued that there needs to be right infrastructure in place to handle the rising population of mobile apps. That includes ensuring there is enough spectrum, or airwaves, for mobile apps to run on and reach consumers.
Via John Eggerton of Broadcasting & Cable, new legislation aimed at protecting privacy in the mobile space has been introduced in Congress:
Rep. Ed Markey (D-Mass.) said Wednesday he has introduced mobile app legislation that would require app sellers to disclose the software being installed when an app is downloaded, and users to give their affirmative consent.
Some highlights from the bill include disclosure on monitoring by apps and other software, a focus on consumer consent before monitoring can proceed, and greater oversight from both the Federal Trade Commission and the Federal Communications Commission.
We’re launching a new feature here at IIA, highlighting innovators using broadband — both wired and wireless. This week’s startup is Audingo, an audio-visual social media platform that initiates interaction between public personalities, groups, and their fans via their mobile devices. From their website:
Audingo is a social platform that lets fans connect with and hear directly from their favorite personalties and organizations through a phone call, audio text, audio email, or video.
Audingo gives personalities the ability to create and record audio and video content in real time, and simultaneously connect to thousands of individuals’ mobile devices, fostering a conversation, deepening the connection..
The company recently received $3 million in angel investment to expand their operations. Check them out.
Speaking of wireless, a new report from analytics firm comScore looks at mobile usage in Japan, Europe, and the United States. Among the report’s findings: Japanese users lead the way in usage of applications and mobile browsers, Europe leads in text messaging, and the U.S. — home of Facebook and Twitter — is tops in social networking and blogging.
Yesterday, Nick Bilton of the New York Times had a major scoop about a quiet meeting between two tech powerhouses:
Steven A. Ballmer, Microsoft’s chief executive, recently showed up with a small entourage of deputies at Adobe’s offices to hold a secret meeting with Adobe’s chief executive, Shantanu Narayen.
The meeting, which lasted more than an hour, covered a number of topics, but one of the main thrusts of the discussion was Apple and its control of the mobile phone market and how the two companies could team up in the battle against Apple. A possible acquisition of Adobe by Microsoft were among the options.
With Apple refusing to allow Adobe’s Flash program on its popular iPhone, and adoption of Google’s Android mobile software growing briskly — not to mention Microsoft’s attempt to become relevant again in the handset market with its Windows Phone 7 — the sparring among major tech companies in the mobile space should be fun to watch.
The Washington Post reports on an innovative idea to help rebuild Haiti’s infrastructure following the country’s devastating earthquake in January:
John Stanton, founder of Voice Stream and former chief executive of T-Mobile USA, wants the Haitian government to forget about rebuilding its copper wire communications network. Instead, he thinks Haiti should go mobile.
“Necessity is the mother of invention,” Stanton said.
Stanton pitched the idea at the CTIA trade show in Las Vegas, and announced that his company Trilogy would be willing to contribute as much as $100 million to the effort.
Later in the Post article, a familiar name offers some insight:
Experts say any project to rebuild infrastructure in the nation should be open to competition. That would include laying down fiber for a stronger backbone to connect calls. Dozens of new cellphone towers would be raised to support traffic that will grow as Internet use takes off.
“It can be a fantastic opportunity, but all over the world there is also a push to have a mix of wireless and fixed-wire networks supporting broadband and communications,” said Bruce Mehlman, co-president of the Internet Innovation Alliance and former assistant secretary of commerce for technology policy. “And you must make sure that this doesn’t preclude any competition.”
Spectrum is one of our country’s most vital natural resources — and right now, we’re running out of it.
With the popularity of mobile broadband rising, the major carriers are warning that unless more spectrum is freed up, they won’t be able to keep up with demand. And as Fierce Wireless reports, their carriers’ concerns have gotten the attention of the FCC.
AGREEMENT BETWEEN USER AND Internet Innovation Alliance
The Internet Innovation Alliance Web Site is comprised of various Web pages operated by Internet Innovation Alliance.
The Internet Innovation Alliance Web Site is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the Internet Innovation Alliance Web Site constitutes your agreement to all such terms, conditions, and notices.
Internet Innovation Alliance reserves the right to change the terms, conditions, and notices under which the Internet Innovation Alliance Web Site is offered, including but not limited to the charges associated with the use of the Internet Innovation Alliance Web Site.
LINKS TO THIRD PARTY SITES
The Internet Innovation Alliance Web Site may contain links to other Web Sites (“Linked Sites”). The Linked Sites are not under the control of Internet Innovation Alliance and Internet Innovation Alliance is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. Internet Innovation Alliance is not responsible for webcasting or any other form of transmission received from any Linked Site. Internet Innovation Alliance is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Internet Innovation Alliance of the site or any association with its operators.
NO UNLAWFUL OR PROHIBITED USE
As a condition of your use of the Internet Innovation Alliance Web Site, you warrant to Internet Innovation Alliance that you will not use the Internet Innovation Alliance Web Site for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the Internet Innovation Alliance Web Site in any manner which could damage, disable, overburden, or impair the Internet Innovation Alliance Web Site or interfere with any other party’s use and enjoyment of the Internet Innovation Alliance Web Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Internet Innovation Alliance Web Sites.
USE OF COMMUNICATION SERVICES
The Internet Innovation Alliance Web Site may contain bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, and/or other message or communication facilities designed to enable you to communicate with the public at large or with a group (collectively, “Communication Services”), you agree to use the Communication Services only to post, send and receive messages and material that are proper and related to the particular Communication Service. By way of example, and not as a limitation, you agree that when using a Communication Service, you will not:
Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.
Publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information.
Upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents.
Upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another’s computer.
Advertise or offer to sell or buy any goods or services for any business purpose, unless such Communication Service specifically allows such messages.
Conduct or forward surveys, contests, pyramid schemes or chain letters.
Download any file posted by another user of a Communication Service that you know, or reasonably should know, cannot be legally distributed in such manner.
Falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded.
Restrict or inhibit any other user from using and enjoying the Communication Services.
Violate any code of conduct or other guidelines which may be applicable for any particular Communication Service.
Harvest or otherwise collect information about others, including e-mail addresses, without their consent.
Violate any applicable laws or regulations.
Internet Innovation Alliance has no obligation to monitor the Communication Services. However, Internet Innovation Alliance reserves the right to review materials posted to a Communication Service and to remove any materials in its sole discretion. Internet Innovation Alliance reserves the right to terminate your access to any or all of the Communication Services at any time without notice for any reason whatsoever.
Internet Innovation Alliance reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in Internet Innovation Alliance’s sole discretion.
Always use caution when giving out any personally identifying information about yourself or your children in any Communication Service. Internet Innovation Alliance does not control or endorse the content, messages or information found in any Communication Service and, therefore, Internet Innovation Alliance specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service. Managers and hosts are not authorized Internet Innovation Alliance spokespersons, and their views do not necessarily reflect those of Internet Innovation Alliance.
Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction and/or dissemination. You are responsible for adhering to such limitations if you download the materials.
MATERIALS PROVIDED TO Internet Innovation Alliance OR POSTED AT ANY Internet Innovation Alliance WEB SITE
Internet Innovation Alliance does not claim ownership of the materials you provide to Internet Innovation Alliance (including feedback and suggestions) or post, upload, input or submit to any Internet Innovation Alliance Web Site or its associated services (collectively “Submissions”). However, by posting, uploading, inputting, providing or submitting your Submission you are granting Internet Innovation Alliance, its affiliated companies and necessary sublicensees permission to use your Submission in connection with the operation of their Internet businesses including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission; and to publish your name in connection with your Submission.
No compensation will be paid with respect to the use of your Submission, as provided herein. Internet Innovation Alliance is under no obligation to post or use any Submission you may provide and may remove any Submission at any time in Internet Innovation Alliance’s sole discretion.
By posting, uploading, inputting, providing or submitting your Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions.
THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE Internet Innovation Alliance WEB SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. Internet Innovation Alliance AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE Internet Innovation Alliance WEB SITE AT ANY TIME. ADVICE RECEIVED VIA THE Internet Innovation Alliance WEB SITE SHOULD NOT BE RELIED UPON FOR PERSONAL, MEDICAL, LEGAL OR FINANCIAL DECISIONS AND YOU SHOULD CONSULT AN APPROPRIATE PROFESSIONAL FOR SPECIFIC ADVICE TAILORED TO YOUR SITUATION.
Internet Innovation Alliance AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE Internet Innovation Alliance WEB SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED “AS IS” WITHOUT WARRANTY OR CONDITION OF ANY KIND. Internet Innovation Alliance AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.
Internet Innovation Alliance reserves the right, in its sole discretion, to terminate your access to the Internet Innovation Alliance Web Site and the related services or any portion thereof at any time, without notice. GENERAL To the maximum extent permitted by law, this agreement is governed by the laws of the State of Washington, U.S.A. and you hereby consent to the exclusive jurisdiction and venue of courts in King County, Washington, U.S.A. in all disputes arising out of or relating to the use of the Internet Innovation Alliance Web Site. Use of the Internet Innovation Alliance Web Site is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph. You agree that no joint venture, partnership, employment, or agency relationship exists between you and Internet Innovation Alliance as a result of this agreement or use of the Internet Innovation Alliance Web Site. Internet Innovation Alliance’s performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of Internet Innovation Alliance’s right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Internet Innovation Alliance Web Site or information provided to or gathered by Internet Innovation Alliance with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect. Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and Internet Innovation Alliance with respect to the Internet Innovation Alliance Web Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and Internet Innovation Alliance with respect to the Internet Innovation Alliance Web Site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent an d subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be drawn up in English.
COPYRIGHT AND TRADEMARK NOTICES:
All contents of the Internet Innovation Alliance Web Site are: and/or its suppliers. All rights reserved.
The names of actual companies and products mentioned herein may be the trademarks of their respective owners.
The example companies, organizations, products, people and events depicted herein are fictitious. No association with any real company, organization, product, person, or event is intended or should be inferred.
Any rights not expressly granted herein are reserved.
NOTICES AND PROCEDURE FOR MAKING CLAIMS OF COPYRIGHT INFRINGEMENT
Pursuant to Title 17, United States Code, Section 512(c)(2), notifications of claimed copyright infringement under United States copyright law should be sent to Service Provider’s Designated Agent. ALL INQUIRIES NOT RELEVANT TO THE FOLLOWING PROCEDURE WILL RECEIVE NO RESPONSE. See Notice and Procedure for Making Claims of Copyright Infringement.