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Showing posts from June, 2012

Square Processes $11 Million Worth of Transactions a Day

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Square processes at a rate of $5 million a day (up from $3 million in 2011, and $4 million in March 2012), Sybase says. Others say Square processes $11 million a each day.


Assuming Square gets a 2.75% cut of all of the $11 million in payments processed per day, that’s around $300,000 in gross revenue per day, or a $110 million annual revenue run rate.

LTE Will Reach 1 Billion Users by 2017

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So says 4G Americas.

Mobile Payments Will Reach $245 Billion by 2014

According to 2011 data from Ernst & Young, mobile payments are expected to reach $245 billion in transaction value by by 2014. The actual forecast transaction is probably not so important. 


Neither is the forecast number of mobile money users are expected to total 340 million, equivalent to about five percent  of global mobile subscribers.


Perhaps the more-important issue are the categories of mobile money Ernst & Young believe offer revenue potential for mobile service providers globally. 



Mobile payment technologies and scenarios1SMSNFCMobile internetPayment typePerson-to-person
Person-to-business
Business-to-personPerson-to-business
Business-to-businessPerson-to-person
Person-to-businessUse caseDomestic remittance
International remittance
Branchless bankingContactless payments
Identification- and marketingrelated servicesIn-app payments
Mobile wallet transactionsCharacteristicsPayment services for the
unbanked and underbankedHigh levels of cross-industry collaborationExtension…

Voice over LTE Gains Momentum, From Low Base

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"The US and Asia, especially South Korea, are leading the voice over LTE charge, with Verizon Wireless, Metro PCS, SK Telecom and LG U all planning to launch VoLTE services this year,” says Stéphane Téral, Infonetics Research principal analyst for mobile infrastructure and carrier economics.

"South Korea and Hong Kong have already successfully launched LTE data roaming and by August, SK Telecom expects to have the Samsung Galaxy S3, the first handset to support VoLTE on their network," he says.

Keep in mind that the growth is from a small end user base. By 2016 VoLTE will make up only about 14 percent of global mobile VoIP revenue, while over-the-top mobile VoIP continues to make up the lion's share by far,” he says.

Smart Phone OwnersUse Devices 2 Hours a Day, Talk only 12 Minutes, O2 Finds

On average, O2 smart phone owners now spend over two hours a day using their devices, but talk only 12 minutes, and text only 10 minutes.

Smartphone users spend more time browsing the internet (25 minutes a day), social networking (17 minutes a day), playing games (13 minutes a day) and listening to music (16 minutes a day) than they do making calls (12 minutes), O2 says.

That illustrates the multi-function nature of smart phones, as well as the key role smart phones now play in a full range of "Internet access" activities.

Checking or writing emails represents 11 minutes of activity a day. Watching video consumes 9.4 minutes a day, while reading books represents about 9.3 minutes a day.

People spend about 3.4 minutes a day tacking pictures, as well.

What Must Apple Do to Revolutionize the "TV"

Apple’s rumored interest in producing television sets might prove a bigger challenge than its efforts with other consumer devices. It isn’t so clear what about TVs actually is “broken” enough for Apple to revolutionize the category as it has transformed the “mobile phone.”

Based on that past experience, some significant breakthrough in ease of use, features and content would be necessary. The touch interface arguably was key, but most of us also would say it was the App Store, and apps (content) that really made the difference.

In the case of a TV, that presumably would mean Apple has to change the “content” part of the value proposition in some significant way, beyond integrating existing Web content, which has been the key feature of Apple TV so far, in its ancillary device implementation.

It seems unlikely that navigation and Web content integration alone will transform the experience. What would be revolutionary is some new way for consumers to buy and watch programs they want, incl…

Mobile Signaling Growing 30% to 50% Faster than End User Traffic

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While data traffic is growing, signaling traffic is outpacing actual mobile data traffic by 30 to 50 percent, if not higher, 4G Americas says. As another example, a web-based IM user may send a message but then wait a couple of seconds between messages. To preserve battery life, the smartphone moves into idle mode. When the user pushes another message seconds later, the device has to set up a signaling path again, 4G Americas notes in a new white paper.

For real-time Internet applications, the logical always-on connection between the
server and client is required, resulting in frequent or periodic small heartbeat packets to be sent as a keep-alive message to maintain the connection.

“Push” services and “always on” apps add more load. All of that is in addition to the “bearer” traffic. Heavy users of apps illustrate what could happen to network demand as “early adopter” or “heavy user” behaviors become more mainstream. Today, heavy video or audio streamers consume about 2 Gbytes a day wo…

It's Tough to be "10 Times Better" Than Everybody Else

One rule of thumb used by venture capital investors when assessing technology firms is to look for an order of magnitude better capabilities, when making decisions about whether to invest in a new start-up.


The reasons are many, but the assumption always is that, while a funded start-up is gearing up for its market challenge, market leaders will respond by closing the performance gap. By the time a challenger is ready to challenge the market leaders, the potential advantage will have been reduced.


Some might argue that technology performance is not the right way to measure order of magnitude advantages, though. What matters, some argue, is not technology performance but end user experience. At least in part, that is because most users don't buy "performance" so much as "experience."


That is particularly true for software products where the "experience" is the value, not the performance, as such.

A mobile payment capability, for example, has to offer an…

Tablets Quickly Grabbing a Role in E-Commerce

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Tablets quickly are establishing a role in e-commerce, passing smart phones after only a couple of years in existence. When tablets are used might have something to do with the growth. People often are "in transit" when using a smart phone, and more often are sitting on a couch when using a tablet. Also, tablets feature larger screens, and that means better display surfaces, better visuals and easier interaction than on a small screen.

Analysts Slash RIM's Equity Price Targets, Others Simply Say the Firm is Doomed

At least 10 firms have cut their stock price targets by as much as 50 percent, with analysts at Citi Investment Research and Jefferies pegging RIMs stock at $5.00 per share,  a 45 percent decrease from the closing bell yesterday.

Cannacord Genuity added that BlackBerry 10 will not save the company, and RIM needs to strongly consider selling the company in full as soon as possible. Some say nothing can save RIM.

Do Mobile Service Providers Benefit from Device Subsidies?

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It is no secret that mobile service providers globally want to reduce the amount of money they spend to subsidize smart phones for their customers.

The problem is that the subsidies raise operating costs, and thus affect cash flow.

Of course, it can be argued that such subsidies also provide value, in part by reducing customer churn, as consumers often must sign contracts to qualify for the device subsidies.

Some would argue that although there is a positive churn reduction effect, the amount of reduced churn  is only 27 percent of incremental subsidy cost for AT&T and 45 percent for Verizon.

This means AT&T is actually losing more than $2 billion by providing iPhone subsidies, for example, while Verizon is losing nearly $1 billion. Verizon's "losses" are lower because it has sold fewer iPhones than AT&T. Over time, that gap should close.

Mobile service providers aren’t happy about the cost of device subsidies that cause a drag on earnings. For AT&T, the f…

European Mobile Roaming Prices Drop July 1, 2012

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Mobile data charges will be price capped starting July 1, 2012, with the limit set at no more than €0.70 a megabyte. That will represent a decline of about 75 percent, at least for European Union residents using their devices in other EU member countries.

The EU rule does not affect the prices providers can charge for data roaming outside the European Union. It isn't yet clear how much service provider revenue will be reduced. 



The EU market for mobile roaming services can be divided into voice services, SMS and
In 2009, the retail EU roaming market accounted for 4,777 billion EUR in revenues, a study noted.  Some 71 percent of that was voice roaming charges, 17 percent for data and around 11 percent for SMS. 
The total wholesale market size in 2009 amounted to 1,253 billion EUR.

Roaming revenues appear to represent around 3.68 percent of the total EU mobile market. Between
2007 and 2009, revenues for voice roaming fell quite significantly as a result of both lower
prices as well as lower…

Google Now Launches

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Real-time and personalized information, essentially streamed automatically, is the value.

MasterCard and Deutsche Telekom to Launch Payments

MasterCard Worldwide and Germany-based Deutsche Telekom group have signed a partnership agreement that will help the telco launch a prepaid PayPass application for its planned NFC mobile wallet.

The deal likely will be similar to a mobile-payments partnership announced by U.K.-based Vodafone Group and Visa, which uses a prepaid mechanism to load cash onto a user mobile device.

7-Eleven Stores to Sell PayPal Prepaid Cards

The PayPal Prepaid MasterCard card will be available at roughly 5,500 7-Eleven 7-Eleven stores nationwide once its rollout is completed this year.

Customers will be able to reload cash onto their cards at these locations, prepaid card marketer NetSpend Holdings says.

Here's the tie to mobile payments and banking. As with the M-Pesa service, retail agents are often the places users load cash and receive cash, even if the mobile device supplies the messaging function. Also, the way cash will be loaded onto many mobile payment accounts is by linking to an offline prepaid account of some kind, as with the Starbucks mobile app.

Research in Motion Has 3.6% U.S. Device Share, Down from 41%

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For Research in Motion, it has been a tough four years, as U.S. device market share dropped from 41 percent to 3.6 percent.

A Third of Kenya's GDP Now Passes Through M-Pesa

If you were to nominate one mobile money service, today, as the most-successful on the planet, it would hard to propose any company but M-Pesa. By some accounts, about a third of Kenya’ gross domestic product passes through M-PESA and Safaricom earns more money from M-PESA than it does from text messaging, in part because SMS tends to be bundled, free of charge, in the payments system.

In August 2011, the Wall Street Journal reported Vodafone earned $21 million through its Kenyan subsidiary, with $15.6 million coming from M-Pesa in license fees. As of November 2011 M-Pesa had over 14 million subscribers (out of a population of about 40.5 million, according to the World Bank) and more than 28,000 agents across the country versus around 600 ATMs

M-Pesa is operator-centric, working through a SIM toolkit application that sits on all Safaricom SIM cards.

To put money on your phone, you walk into an authorized agent, hand over your money, then receive an SMS saying that the money has arrive…

Mobile TV is a Feature, not a Product, Yet

At the moment, services such as "TV Everywhere" that allow users to view some of the video they purchased as part of their subscription video services on a smart phone or tablet remain a "feature," and are not yet envisioned as revenue-generating "products."

That would not be an unusual pattern. Service provider Wi-Fi hotspot access has become a feature of a broadband subscription, whether provided by a fixed or mobile network. That seems to be the developing pattern for mobile TV services tied to another subscription.

Smartphone or tablet apps that are tied in to a cable TV show are definitely about "discovery and engagement," not advertising revenue, said Tammy Franklin, Scripps Networks Interactive senior vice president of affiliate sales and new media distribution.

For Verizon Wireless customers, unlimited U.S. domestic voice and texting essentially now are features of a mobile service, not discrete products. The basic connection fee include…

House Hearing on Video Market Shows Growing Pressure within the Ecosystem

The House Energy and Commerce Subcommittee on Communications and Technology held a hearing on whether existing communication laws address the demands of new technology. Such hearings do not, in and of themselves, mean much. But it is just one more sign that pressure is building within the video ecosystem.

Many speakers noted that regulations currently in place are outdated and stem from a time when cable companies controlled a much larger portion of the subscription video market.

Some Business Problems Cannot be Solved

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Put yourself into the role of CEO at either Sprint or T-Mobile USA. What is the answer to the question of how you will catch up to Verizon Wireless and AT&T? And make us believe it. 

It's tough. Tough, in fact, because there are some problems in business that are hard, perhaps impossible to fix. One of those intractable problems is market share structure in a well-developed industry. 


Typically, a rule of thumb suggests, the market leader has twice the share of the number-two provider, which in turn has twice the share of number three, and then share falls off dramatically after that. 


It might be more accurate to say that market share has a direct bearing on profit margins, as well. 


The U.S. mobile market does not have precisely that classic stable distribution. Verizon, early in 2012, had about 32 percent share, AT&T about 26 percent. 


Sprint had about 16 percent and T-Mobile USA had about 10 percent. 


That suggests, to some of us, that the market remains unstable, and would …

Google Isn't Making Any Profit From Sales Of The New Nexus 7 Tablet

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Andy Rubin, Google's head of mobile, says Google is selling its new tablet "at cost" through Google's online store. "There's no margin," he said in the interview. "It just basically gets (sold) through."

In fact, Rubin says the company is eating the marketing costs for the device. Like Amazon, at least for the moment, the device is seen as a platform for creating revenue streams other ways.

But that, in general, is probably the way Google approaches its entire set of efforts in consumer electronics: creating products that drive usage and then revenue from the software and content products it creates.

That is more the "Amazon" strategy than the "Apple" strategy.

What Kind of Company is Google Becoming?

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With the launch of its first tablet, a seven-inch device that seemingly is aimed more at Amazon than Apple, Google has added yet another device to the list of gadgets it now produces, ranging from smart phones to a new home entertainment system.

The new tablet, priced at $199, makes Google an even more complicated company. The $299 home-entertainment player called Nexus Q likewise further blurs Google's identity, you might argue.

Google always has said it is a software company. Its revenue comes mostly from advertising, especially from Google's search engine. That has made Google the paramount example of something we haven't seen before, namely a software company whose revenue comes from advertising, primarily.

Some of us would have said that Google might as well be called a media company, as well, with its YouTube operations and especially revenue model. What sort of company makes its money from advertising? Traditionally, only a "media" firm.

But now Google is …

Why Google has gone "Mobile First"

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If you want some evidence about why Google has gone "mobile first" in its product strategy, a few key statistics Google announced tell the story well.


Google says it has 250 million total users, 150 million monthly users and 75 million daily users, with more usage from mobile than desktop TechCrunch says. 


Is Telecom Italia Going to Structurally Separate Itself?

A unit of Cassa Depositi & Prestiti may invest three billion euros in a partnership with Telecom Italia that would structurally separate the Telecom Italia network from the retail services unit. Since 2008, Telecom Italia has operated its network as a functionally separate entity with extensive wholesale operations. 


The new rumor suggests that Telecom Italia is prepared to go the next step and fully separate the network operations part of its business, Bloomberg reports.


Telecom Italia's "Open Access" unit, which has the network infrastructure and employs a 19,000 people in maintenance and operations, might be in play, whether the recent report is true or not (Telecom Italia denies the rumor).


CDP also  says it “isn’t aware” of the proposal. What might be more true is that Telecom Italia is seriously considering structurally separating its network assets business from its retail telecom services business. 


Italy lags Europe in terms of broadband penetration with only 4…

Automatic Mobile Phone Public Hotspot Access?

Some 37 communications companies around the world have signed up to test Hotspot 2 Wi-Fi roaming and billing. 


Aircel, AT&T, Boingo Wireless, BT, BskyB (The Cloud), China Mobile, Deutsche Telekom, DOCOMO InterTouch, Everything Everywhere, FON Wireless, Gowex, Indosat M2, HK CSL, KDDI, iBAHN, KT Corporation, Meteor Network, NTT DOCOMO, Oi Wi-Fi, Orange, PCCW Mobile, Portugal Telecom TMN, SK Telecom, Shaw Communications, Smart Communications, Softbank Mobile, StarHub, Swisscom, Talk Talk, TeliaSonera, Telefonica, TIM Brasil, Time Warner Cable, Tomizone, True Corp., Trustive and TTNET are among the firms participating. 


The Wireless Broadband Alliancesays the trials of "Next Generation Hotspots" will test interoperability and performance of new gear that will give users easier access to a far greater number of public Wi-Fi access points around the world.


The trials will take place in the fourth quarter and employ the first generation of Wi-Fi "Passpoint" equipment wh…

The Difference Between Operating System and Device Share

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There's an important difference between "smart phone" device share and operating system market share. Operating system share arguably tells you less than device share. Apple and Samsung, for example, are winning handset share.


Operating system share arguably tells you less, since Android and Microsoft operating systems are multi-vendor, while Research in Motion and Apple iOS are single vendor. 


That could change if Research in Motion succeeds in splitting its services business from its handset business, or if Nokia's ownership changes









PayPal Goes "Mobile First"

PayPal has decided to consolidate all PayPal product groups into one global product organization led by Hill Ferguson, who was previously in charge of the mobile organization. "Mobile is simpler by definition," says David Marcus, PayPal president.


Some of us would say PayPal is only the latest application provider to go "mobile first" in its product strategy. That's sound thinking.


Consider that many mobile users prefer mobile Internet access and apps to fixed network usage. Hispanics in the United States, for example, "over-index" for mobile application usage. Almost 50  percent of U.S. Hispanic Internet traffic is driven by mobile devices, for example, according to Troy Brown, one50one founder and president. 


According to industry research firm Nielsen, in the US, Hispanics on average spend 20 percent more time on streaming video over mobile than the rest of the population (four hours and 20 minutes per month versus three hours and 37 minutes).

Research…

Smart Phone Sales Could Drop $40 Billion by 2016 if People Use Their Own Phones at Work

Paradoxically, what is good for enterprises and small businesses might not be so good for mobile handset providers or mobile service providers.


The growing number of workers that bring their own smart phones into the mobile workplace means enterprises and other businesses do not have to buy devices for their workers. And if employers reimburse workers for service charges related to their personal devices, employers do not have buy additional mobile subscriptions.


So ARCchart estimates smart phone sales could drop by $40 billion by 2016. The ARCchart study shows the complex impact of people using their own devices for personal use and work, instead of using one device for work and another for personal use.

17% of Mobile Owners Do "Most" of Their Online Activities on the Mobile

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About 17 percent of mobile phone owners do most of their online browsing on their phone, rather than a computer or other device, the Pew Center Internet & American Life Project reports.


Most do so for convenience, but for some their phone is their only option for online access. That has obvious implications for the evolution of the broadband access business in the United States. What might now be only a convenience could later change into a preferred behavior, particularly for some users who have access to fourth generation networks and do not watch much online video. 


Some 88 percent of U.S. adults own a cell phone of some kind as of April 2012, and more than half of these cell owners (55 percent) use their phone to go online. That, the researchers say,  represents a notable increase from the 31 percent of mobile device owners who said that they used their phone to go online as recently as April 2009.


Also, 31 percent of these current cell internet users say that they mostly go onli…

Virgin Mobile USA to Offer iPhone on June 29, 2012

Virgin Mobile USA announced today it will offer iPhone to its prepaid customers beginning Friday, June 29. Virgin Mobile USA will offer iPhone 4 and iPhone 4S with its "Beyond Talk" unlimited data and messaging plans as low as $30 per month on the Sprint Nationwide Network.

Here's why the move is important. Up to this point, the "prepaid" mobile service providers have been unable to sell the Apple iPhone, with some obvious implications for customer attraction and retention. Since Virgin and MetroPCS now sell the iPhone, some of that disadvantage is removed.

To be sure, consumers at Virgin Mobile USA and MetroPCS will have to pay full retail for their devices, but as some will note, at $50 a month, a consumer sort of "breaks even" after six months of service.

The more-important implication, though, will be seen in consumer willingness and ability to pay full retail for devices, getting service providers out of the device subsidy game. Virtually all glo…

Gaming Revenues Shifting Away from Consoles

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U.S. video game sales totaled $24.75 million in 2011, mostly on traditional content to be played on dedicated gaming consoles, NPD Group data indicates. 
But spending is slowly migrating from console games to non-traditional and more-casual game formats, according to eMarketer.
Between 2009 and 2011, revenues for computer and console games shrank from $10.6 billion to $9.3 billion, for example. 
Games delivered by mobile apps, social networks, downloads and other channels were the newer formats. 

DirecTV, DishGetting Justice Department Scrutiny Over Programming Contracts?

DirecTV  and Dish Network Corp. have received requests from the U.S. Justice Department about pricing contracts with television networks, part of a broader probe into whether subscription TV distributors are preventing the emergence of  Internet-based competitors, according to Bloomberg


Ultimately, many of us would argue, the older subscription TV paradigm cannot be challenged unless content owner contracts allow competitors access to the professionally-produced programming consumers are used to getting from their subscription TV providers.


Just as obviously, neither content owners nor distributors will do anything to jeopardize the existing economics of the business. So the wild card is government intervention to force change. 


The Justice Department sent civil investigative demands, which are similar to subpoenas, to DirecTV and Dish, the two largest U.S. satellite-TV providers. 


The government wants information about "most- favored-nation" provisions, which give distributor…

Global Video Business Will Be More Fragmented in 2016

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Granted, it often is tough to glean much of value from global and aggregate figures, for business prospects in any particular country. 


The global subscription video market, which has been shared between cable and satellite providers, will see a significant amount of share taken by telcos by 2016.


Video services revenue on a global basis was $261 billion in 2011 and is forecast to grow to $371 billion by 2016, Infonetics Research estimates. 


Globally, the top 20 subscription-TV revenue leaders accounted for 50 percent of the revenue, while the top 20 subscriber leaders represented just 30 percent of subscribers. 


In the U.S. market, satellite share has been relatively stable at about 32 percent to 33 percent, while telco market share is growing. 


Whether "telco" share continues to creep up, or is transformed, remains a question. Many observers long have anticipated that, one day, U.S. telcos would simply both U.S. providers. In essence, telco share could, in that scenario, rise t…

Is Voice a Product or a Feature?

It appears the Australian National Broadband Network is setting wholesale pricing policies that will raise new questions about the ways voice services can be packaged for sale to consumer customers. 


Each wholesale connection apparently costs a retailer $24, and both broadband and voice are included and required at that price. In other words, a retail provider "must" buy both broadband and voice capabilities from the NBN.



That raises an interesting question. Will re?"tailers sell voice and broadband separately, or as a bundle? And if they do, will consumers reset their expectations about the features a broadband connection "typically" provides, and what it costs?
In other words, is domestic voice a "feature" or a "product?" There are growing signs in the U.S. market that service providers are starting to consider shifting retail packaging from "voice as a product" to "voice as a feature." The new Verizon Wireless "Shar…

Charter Move Shows Why Fixed Network Voice Will Not Ever Go to "Zero"

Since the number of fixed network voice subscriptions has been dropping for at least a decade, some might suspect that there is no end to the decline. Some of us have argued that there is some equilibrium point that will be reached, when the number of subscriptions actually stabilizes. 


A new policy by Charter shows why that will be the case. Apparently, Charter is going to stop selling voice subscriptions as a discrete product, and will in the future only sell voice in conjunction with at least one other service, either entertainment video or broadband access. 


"Going forward, we will not offer Charter Phone as a standalone product," a Charter spokesman apparently has confirmed. 


If you think about it, that also is how Verizon Wireless will price its "Share Everything" services. use of the Verizon Wireless network requires a basic subscription that includes unlimited U.S. domestic voice and texting, with variable payments for mobile broadband service. 


The point is th…

Are Telecom Profit Margins "Excessive?"

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Gross revenue is never the same thing as "profit." But many businesses are so capital intensive that actual profits are slim. In fact, though it often is believed that oil industry profits are out-sized, they actually aren't, according to the U.S. Census Bureau, Standard & Poors and the American Petroleum Institute. 


Oil and natural gas industry profits were about 6.7 percent in the third quarter of 2011, for example. 


Telecom service provider profit margins aren't that much different. Verizon has a six-percent profit margin while AT&T has about an 11 percent margin. 




Are Tablets Better Commerce Vehicles than Smart Phones?

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Tablets are "better"than smart phones as a channel for commerce and shopping, in part because users are more likely to purchase after searching for a local business and tend to spend more per purchase than mobile phone users, a study sponsored by the Online Publishers Association has found. 


Some studies also show that tablet purchases are larger than those from PCs.   According to the 2012 Shop.org and Forrester Research "State of Retailing Online" survey, 49 percent of retailers say their average order value from tablets is now higher than traditional web sales. 


Nearly three in 10 (28%) retailers say they are seeing about the same average order valuefrom tablets as their website.


Consumers Will Store More Than 1/3 of Their Digital Content in the Cloud by 2016

The desire to share content and to access it on multiple devices will motivate consumers to start storing a third of their digital content in the cloud by 2016, according to Gartner. 


Gartner said that just seven percent of consumer content was stored in the cloud in 2011, but this will grow to 36 percent in 2016.


"Historically, consumers have generally stored content on their PCs, but as we enter the post-PC era, consumers are using multiple connected devices, the majority of which are equipped with cameras." said Shalini Verma, principal research analyst at Gartner. "With the emergence of the personal cloud, this fast-growing consumer digital content will quickly get disaggregated from connected devices."


Gartner predicts that worldwide consumer digital storage needs will grow from 329 exabytes in 2011 to 4.1 zettabytes in 2016. This includes digital content stored in PCs, smart phones, tablets, hard-disk drives (HDDs), network attached storage (NAS) and cloud repos…

Do Millennials Really Complain More Often Than Others, Online?

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Millennials leave the most critical review online, a study sponsored by Bazaarvoice has found, but by such a small margin a reasonable person might well conclude there is essentially no greater amount of "negative" reviews left by Millennials, than created by members of other generations. 


Overall, about 82 percent of online reviews are "positive."(click on the image for a larger view)

Baby Boomers are slightly more positive than the other generations, assigning three percent more five-star ratings to products than members of other generations tend to do. 


Millennials give one percent more one-star product ratings, the lowest rating possible;  the most of the three generations studies. 


Millennials are "decidedly middle-of-the-road," Bazaarvoice says, creating the highest percentage (seven percent) of three-star reviews, but the fewest one-star (very negative) and five-star (very positive) product ratings.


You might argue that Millennials are the most realisti…

Verizon Wireless "Share Everything" Helps Marketers Using Text Messaging

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Obviuously, as more subscribers shift to Verizon Wireless "Share Everything" plans, there will be implications for application providers and other third parties whose customers use the Verizon network.


The plan isn't  favorable to streaming video providers, is relatively neutral where it comes to most other application providers and actually could help marketers who use either text messaging or multimedia message service. 


Historically, text message marketers have had to worry about annoying prospects by essentially making users pay to receive messages. Under the new "Share Everything" plans, that won't be an issue.


The central annoyance still will be the sense of "invasion" on the part of users to unobtrusive messages in a channel that is considered highly personal and private. No change of plans is going to change that constraint.