Nokia and Mobile Banking

I recently noticed a lot of mentions about Nokia coming through on Google Alerts, and following that I've found that I've been spending quite a bit of time trying to figure out what happened to them and where they're going. It wasn't that long ago that Nokia were the Coca-Cola of the phone industry - they were the first choice of almost everyone and that did what they were meant to do brilliantly. Then something changed. Now Nokia seem to have slid quite a bit and many of their advocats have jumped ship to Apple or LG, or anyone of a host of alternative mobile phone manufacturers.

Having said that, they may just be on the verge of something really cool.

Nokia has announced that it will enter the mobile banking market. Following Nokia's recent purchase of a stake in mobile payments company Obopay, the mobile giant have confirmed they are ready to launch Nokia Money. The new service will allows users to access their finances in a number of innovative and convenient ways, while on the go. This will range from the ability to pay for products to checking balances, all using their mobile phones. In addition, the service will inable customers to make money transfers just by using another person's mobile number.

Initially the service will rely on traditional banks to provide the interface for customers to deposit and withdraw actual money, however Nokia have confirmed plans to build a network of Nokia Money agents. These will essentailly become banks, allowing customers to deposit or withdraw cash directly from their Nokia accounts.

While this may seem like a move completely out of the blue by many people, mobile banking is a concept that is actually relatively old in terms of mobile communication. Following the boom of digital networks in the early 90's, many futurologists predicted that mobile banking would be common place by the end of the decade. While they may have been slightly off in their predictions, Nokia now predict that mobile payments are key to bringing accessable banking to hundreds of millions of people in urban and rural locations, who are restricted by current payment systems that necessitate credit facilities (especially in emerging economies). Nokia say this is the next big thing in the financial services industry.

Mary McDowell, Nokia executive, said: "In many countries, mobile phone ownership significantly exceeds bank account usage, suggesting that many mobile phone users have very limited or no access to basic financial services. With more than 4 billion mobile phone users and only 1.6 billion bank accounts, global demand for access to financial services presents a strong opportunity to combine mobile devices with simple but powerful financial services such as Nokia Money."

The service will be rolling out in Germany this month (September), with a full launch planned for 2010 (depending on operators and markets).

YellowBird

Prepare to be seriously wowed! This is just about the most exciting, spine-tingling, stop-you-in-your-tracks visual technology I have seen EVER! I know 3D has come on leaps and bounds in recent years, but this for me just blows 3D away.

You'll be forgiven for thinking this looks similar to Google Streetview, because it does. However, the big difference with YellowBird is that it records video instead of photographs. Utilising six cleverly divided lenses, the camera can capture every possible viewing direction. The system doesn't hold anything back either, and through a double glass-fiber connection, it streams 1200 Mbit of information per second in raw uncompressed format. Of course no video is complete without sound so the system uses a surround sound microphone recording audio at 96 khz.

What makes the system even more remarkable is that, unlike the Google Car, the equipment can be worn on a person's back as the roam around your location. This opens up so much potential it's scary. Alternatively the system can also be mounted on a static or mobile tripod, mounted on a car or helicopter.

Now just hit play and enjoy...

apologies that the video is flowing over
unfortunately this is a non-scalable file format

YellowBird is a Dutch company founded by Marc Groothelm and Rafaël Redczus in March of this year (2009). The story, however, begins way back in 1999 when Rafaël launched a technology that allowed for the creation of still 3-D images. The technology was revolutionary to say the least and immediately attracted the attention of global brands such as Volkswagen, ABN-AMRO, Center Parcs, Big Brother and the Netherlands Railway.

Then 2 years later in 2001, Rafaël learnt about a new technology that could capture a moveable 3-D image as a spherical shape. Unfortunately the systems were expensive and required computers beyond the reach of your average person at the time. However, with the arrival of Flash 9, online video and 3-D exploded.

A short time later Marc and Rafaël met at Groningen University. From here the pair formed a dynamic partnership with Marc adding Strategy & Innovation to the mix, allowing them to drastically improve and couple these existing technologies.

The result is "a technologically advanced business that aims to claim a strong position in the international world of film, working directly for clients, and in partnership with advertising agencies and film production companies, offering the most intense film experience online today."

Audi Crowd Sourcing

Yesterday I wrote about Unilever's move with Peperami towards a full crowd sourcing model. In that case, Unilever went as far as to end a 15 year relationship with Peperami's advertising agency, Lowe. That was perhaps an extreme example of brands/businesses that are moving to a crowdsourcing model but it's certainly not an isolated occurance. Aside from Doritos and Pringles who were also both mentioned yesterday, Audi are the next big brand to step up to the table and call on their fans and customers to drive their coming developments.

The whole campaign has grown off this year’s Los Angeles Design Challenge, which is titled 'Youth Mobile 2030'. Design design studios from all over Southern California have been called on to submit their vision of what a 2030 customer will want.

Audi, who currently have more than 324,000 Facebook fans (making them one of the highest among auto brands), have partnered up with TurnHere, to create a video based campaign asking fans for their input on what features they want to see on future models. TurnHere produced videos profiling Audi's participation in the "Youth Mobile 2030" design challenge for its Facebook fan page. The videos show the overall participation that Audi have had in the design challenge. Essentially, they present a showcase of actual Audi designers sharing their own design philosophies and visions of the future, and describe how Audi wants to consider lifestyle, form and function for future designs.

The campaign will primarily be run through Facebook, and shows a real hands on application of the massive fanbase that the company have developed. This not only shows great use of an extremely valuable resource but also goes to reinforce the ideals of Social Media, as a brand goes back to its users and asks them what they want (ref. Vodafone Mission Red for a current Irish example of this).

“Video is a powerful way to experience the Audi brand and the passion of our design team. We wanted to show our Facebook fans that we’re committed to creating automobiles that fit our changing lifestyles; and having this conversation with them is a critical part of that process,” said Brad Stertz, Manager of Corporate Communications for Audi of America. “TurnHere did a great job of capturing that passion and desire in an authentic way that lets our designers start the conversation online among our fans."

Through the videos, fans are encouraged to participate in Team Audi's efforts by participating in the live discussion, giving feedback, and helping to answer the question 'How will your car play a role in keeping you connected to your digital world in the future?'

"Audi is using social media to excite its community and engage them in their brand and design process. Video is an integral element to showing the human side of any brand and creating a personal connection," said John McWeeny, COO at TurnHere. "Online video production is now very affordable, and more brands are able to use video to engage people on the social web."

Peperami Crowd Sourcing

In what may be seen as one of the biggest ad upsets of recent times, Unilever, the people behind Peperami, have made the decision to drop their Advertising Agency of 15 years, Lowe. Instead of using the traditional model of having an agency create your creative works, Unilever are handing over creative thinking to.... crowd sourcing.

So what is crowd sourcing I hear you ask?

Crowd Sourcing is not a new concept, either to adverting or Unilever, but it is a bold move to remove your agency of 15 years altogether. Crowd Sourcing is the concept of asking your fans / viewers / audience / customers to suggest or create you ads for you. Previous brands to use this approach have been Pringles and Doritos (Doritos Tribe). Both of which did so exceptionally well; both saving money and getting ads that ultimately blew everyone away.

In this instance, Peperami are launching a global search for their nexy big advertising concept through Ideabounty.com. Ideabounty.com is an online creative community, that invites the public to submit ideas for the next press and television ads. In return the brand is putting up $10,000 (£6,000) for the best idea.

Noam Buchalter, marketing manager at Peperami, says: “We believe Peperami is a brand that deserves radical creative solutions and are confident taking our brief out to thousands rather than a small team of creatives will provide us with the best possible idea and take our advertising to the next level. It’s a test to see if it works for the brand with a long-term view to using it in future advertising. We are extremely thankful to Lowe for the brilliant work they achieved over the last two decades and are looking forward to seeing the ideas to take Lowe's legacy forward into the next era of Animal."

The one caveat is that the brand wants to retain their iconic Peperami Animal character. So with that point satisfied, the winning entry will be produced by Smartworks. Going forward Unilever have said that they have no plans to retain a full-time ad agency for the Peperami account in future.

The campaign went live last Friday (28th August) and will close on 23rd October.

Doritos Tribe


This user-created ad was produced by two 25-year-olds for the reported sum of £6.50.

The Pererami Animal

IKEA and Vedana

During the week, what may seem like a seemingly insignificant event, swept across the web creating a huge amount of debate and coverage. IKEA changed their font.

Seriously.

IKEA's signature Futura font has been replaced by the Verdana. For the last 50 years, IKEA have been using IKEA Sans, a customized version of Futura. However, for their new 2010 catalogue, IKEA have made a switch to the Verdana typeface. As it turns out, fans and designers are extremely unhappy with the change. On Wednesday, design consultant Marius Ursache even went as far as to create an online petition to stop IKEA from changing the font. So why did IKEA make the change and why are their such strong feeling over this?

In an interview with the Swedish design magazine Cap & Design, IKEA’s Ivana Hrdlickova said that IKEA's central reason for changing fonts was to allow the company to use the same typeface in all countries it currently operates in. IKEA's previous font Futura did not allow for Asian characters. As Verdana was designed for the web, it allows the company’s image to remain consistent online and in print. Unfortunately, that's also the main reason for the backlash. Verdana was never intended as a print typeface and was created purely for use on screen. Microsoft invented the font for shipping with Internet Explorer 3 in 1996.

Here are a selection of a few comments that have been made:

Simon l'Anson, a creative director in London, said "it has open, wide letterforms with lots of space between characters to aid legibility at small sizes on screen," but "it doesn't exhibit any elegance or visual rhythm when set at large sizes. It's like taking the family sedan off-road. It will sort of work, but ultimately gets bogged down."

Carolyn Fraser, a letterpress printer from Australia, said Verdana is "dumbed down and overused."

"They went cheap," said designer Iancu Barbarasa. "Designers have always thought of Ikea as one of their own, so now, in a way, the design community feels betrayed."

The issue has gained such coverage that Time Magazine have even covered the story. So what do you think? Does this change really make a noticeable difference?

The fonts in question...