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How the Next iPhone Could Finally Kill the Credit Card

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After a busy in school today i found this lovely article by Marcus Wohlsen  on wired on How the next iphone could finally kill the Credit card , so i decided to share it with you…

As you know that iPhone  is a line of smartphones designed and marketed by Apple Inc. It runs Apple’s iOS mobile operating system. The first generation iPhone was released on June 29, 2007; the most recent iPhones, the seventh-generation iPhone 5C and iPhone 5S, were introduced on September 10, 2013 and people are already waiting for the new iphone 6

How the Next iPhone Could Finally Kill the Credit Card

  • Remember when 3G was such a big deal that Apple named its new iPhone after what was then the new standard in mobile data transmission? The iPhone 3G, introduced in 2008, was the second iteration of the pioneering smartphone, and in a way the name was as much gloating as it was tribute. When cellular data mostly meant sending crude videos and maybe a song over the network, the old standard was good enough. But the radical new potential for connected mobile computing unleashed by the iPhone meant users would go with whichever carrier could move the most data the fastest. Apple forced the telecoms to up their games, and the competition has yet to cease.

Meanwhile, another kind of network has stagnated. Despite the proliferation of mobile payments companies, from startups like Square to a mobile-revamped PayPal, credit cards remain the standard for paying in-person and online. The money may move digitally, at least after the analog swipe of the card, but it’s still along the same old networks, a kind of parallel internet built to handle credit cards long before the web, much less the iPhone, existed.

For all anyone with an iPhone is concerned, the way to pay will be Apple.

But if, as predicted, the next-generation iPhone includes a chip that makes the device scannable at checkout counters, Apple could catalyze a transformation in how money moves that is at least as substantial as the improvements in how data moves that Cupertino forced upon the telecom industry. At first, an iPhone wallet likely would act as a surrogate for credit cards, a way to store the data of multiple cards but using the phone as the way to transfer that data instead of a swipe. But over time, the point of holding onto any of those cards, which become digital abstractions once they’re on the phone, likely will fall away. Instead, for all anyone with an iPhone is concerned, the way to pay will be Apple.

A Better Experience

The subject of Apple’s unique power to change the way payments work came up in a conversation I had yesterday with the co-founder of Dwolla, a Des Moines, Iowa, startup building an internet-based alternative to the existing credit card network standards with the aim of moving money in real time. Send a dollar, get a dollar, the way the internet works. The five-year-old company counts among its users the state of Iowa, which accepts several kinds of tax payments via Dwolla.

The imperative the iPhone created for telecoms to upgrade their data networks holds a lesson for the leverage Apple has to change the payments landscape, says Dwolla CEO Ben Milne.

‘Apple’s already got a great mobile wallet. You use it all the time when you buy something on iTunes.’

“They already have 800 million cards on file,” Milne says of Apple. With that kind of heft to back it up, Apple can then rely on its proven design expertise to entice users into its payment world. “They’re going to give people a better experience that’s arguably, probably more efficient and more simple with hardware they control.”

In that world, it’s Apple, not the credit card companies, that have the control, even if those iPhone wallets are being used to “store” those credit cards. The credit card becomes abstract, just another option to tap that otherwise stays hidden. Really, you’ll be paying with Apple. In a sense, iPhone users already do. “Apple’s already got a great mobile wallet in that thing,” Milne says. “You use it all the time when you buy something on iTunes.”

The Next Logical Step

Once the credit card becomes that hidden (do you remember which one is connected to your iTunes account?), it’s only a short logical step to that card being eliminated altogether. Apple could get into the credit side of the game itself. Or it could integrate with a new kind of network such as Dwolla.

Dwolla may not quite be ready yet to act as Apple’s payment backend. But an Apple mobile wallet could only help Dwolla, and new internet-based ways of moving money in general. Right now, consumers don’t have much of a reason to use their phones instead of a card to pay in stores. Each mobile payment startup has its own platform that merchants may or (more likely) may not take. Nearly all of those merchants, on the other hand, take cards.

The ubiquity of an NFC-enabled iPhone, however, finally could force brick-and-mortar stores to offer a pay-by-phone option. And once Apple peels people away from physical credit cards to a digitized version of plastic, Dwolla and everyone else become digital options on the same equal footing in the same wallet.

Apple has the ability to succeed where Google and the few NFC-enabled Android phones to hit the market never could, because Apple controls the hardware and the software. Google supported NFC with its own wallet, but few handsets came out with the chips inside, since few payment terminals would take them. And few merchants bothered to accept NFC, since so few phones had it. That uncertainty disappears as soon as an NFC-enabled iPhone 6 floods the streets.

And while an iPhone wallet won’t mean an end of credit cards anytime soon—American Express and Visa reportedly have reached agreements to work with Apple—it’s hard to see how its spread wouldn’t hasten a future free of plastic. After all, a credit card is just a medium for transferring data, just like a smartphone. Except unlike a smartphone, a credit card doesn’t do anything else. The credit card companies themselves see this day coming.

If Apple, as expected, announces Tuesday that iPhones will become a new way to pay, the rest of the world might finally see that future, too.

Experienced Social media Manager , Website designer/Manager, and Search Engine Optimization Consultant with a demonstrated history of working in the information technology and services industry. Skilled in Search Engine Optimization (SEO), Public Speaking, Writing, HTML, and Content Marketing. Strong marketing professional with a Bachelor of Science in education focused in Industrial and Technology education from University of Nigeria , Nsukka. For a FREE 30 minute chat about your digital marketing strategy.

Editorials

10 Prestigious Masters Scholarships For Africans That Accept Second Class (2/2) Or Third Class Yearly

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10 Prestigious Masters Scholarships For Africans That Accept Second Class (2/2) Or Third Class Yearly
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If you are among a long list of students who have been wondering why there aren’t any scholarships for students with a degree in lower second class or Third class, keep reading.

Many of these scholarships are often sponsored by organisations or large families in conjunction with the granting universities. Those that offer them usually consider them an investment rather than a gift. It’s no wonder scholarships have very taut strings attached.

Some of the conditions for awarding these scholarships may include some or all of these:

  1. Academic merit
  2. Employment potential (absorbing student into the donor organisation after studies)
  3. Expectation of maintaining a certain grade point average
  4. Suitable career goal
  5. School or Organisation representation in activities
  6. Community/Region affiliation
  7. Leadership potential

Although finding scholarships that don’t take into account the academic merit of a student requires a lot of effort, it is possible to get scholarships with other considerations. Hence, here are 1o Masters degree scholarships offered annually to students with Lower Second Class or Third class. These scholarships are renewed every year. These scholarships are renewed every year. Therefore if the deadlines are passed, they will be updated in due time. If not, apply soon.

1. Australia Awards Scholarships for 1,000 African Students – with at least 3rd Class
Australia Awards, a cornerstone of the Australian Government’s development assistance program for Africa, provide access to postgraduate education, training and professional development opportunities for suitably qualified Africans from eligible countries. On their return to the workplace, Australia Awards Alumni are expected to contribute actively to development in their home countries.




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With jiji.ng , You are Safe from Being Scammed Online.

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Scam is what most internet geek refer to as a fraudulent scheme performed by a dishonest individual, group, or company in an attempt obtain money or something else of value..

One of the problem facing Nigeria’s business world is the ever growing persistence of people who perform scam activities.

Scammers as they are fondly called, operate every where, either online or offline. A famous principal Researcher at Microsoft , Cormac Herley says in one of his article titled “Nigerians Try To Stop Nigerian Internet Scammers” that Nigerian Scam‘ is now one of the suggested auto-completes in a Google search for Nigeria. This indicates the high occurence of the fradulent activity and people’s unending desire to avoid being scammed.

Dating site, Forum sites and large marketplaces in Nigeria give room for scammers, because they confuse people with amazingly cheap things.

Often times, people who have been scammed in one way or the other discourage other from trading in such business platform based on their experience

There is a general notion that all Nigerian free online classifieds Ads website are scam full. JiJi.ng, is unfortunately, not an exception.

Some people try to use JiJi with their selfish illegal purposes just because it serves as an arena that provides buyers and sellers the avenue to meet and exchange goods and services.

Since inception, there have been controversies whether or not one can be scammed JiJi.

Just last week I received a mail from of my readers asking How true or scam free is jiji.ng.

However, The management of Jiji has declared its zero tolerance for scammers on it’s website.

In a press release available at our disposal, Jiji clearly addressed the issue of scam and how it solved the problem.

Read Details Below…
jiji against scam

 

What we do with scammers?

Jiji.ng wants their users be safe. And, if it detects fraudsters on the site, they will be removed forever.

Our uniqueness is in our method of fighting scammers. We always try to ensure that only honest, real people are buying and selling on our site, and we help them to do this more comfortably. So we decided to show you how our “fighting” works from a technical point of view, and “acquaint” you with most of the known internet scammers in Nigeria. You should know them by sight and beware.

In addition, we hope scammers will understand that their conduct is unacceptable and stop their nefarious activities.

How do we find serious fraud on JiJi?

Every Jiji user can complain about suspicious, scam ads. You should just push the button “Something wrong?” and then choose the reason for your suspicion (for example, it is illegal; seller asked for prepayment; it is spam).

jiji image 1

 

 

JiJi.ng has an important step of blocking ads – user’s verification. Only real people, who have already been registered on the site and approved their e-mail, may apply for the blocking advertisement.
If user gets 2 requests for ban – he automatically will be blocked by system JiJi.ng.
Remember, there are two types of complaining on users – serious (marked with red color) and not serious (marked with yellow color). If one persons picks up five not serious complaints – he or she will be also blocked.

jiji image 2

 

 

Why don’t we ban a user after the first complaint?

A market place is a place where all people are competitors. So, we don’t necessarily trust the first request for a block. Some people want to get rid of competitors on JiJi by such methods – just pushing the red button once.

That’s why JiJi has a serious approach and bans only real scammers. Its special smart algorithm checks the veracity of complaints and if the complaint doesn’t pass on certain criteria, the system ceases to be taken into account and does not react.

Do you have other ways of detecting fraud?

Definitely, yes! JiJi’s team of professionals every day monitors news on different sites, forums and reviews about frauds in Nigeria.

jiji image 3

For example, when we found this review on Linda’s blog about scammer OLUKIA TOSIN on JiJi, we were outraged. He was immediately banned! ONUKA TOSIN is no longer a user on JiJi.ng.
Here is one example of his ads. Be careful with anything similar!

 

Similar reviews about fraud on JiJi.ng were also encountered on other sites and blogs. And we do with other scammers the same – block forever!
jiji image 5
We want to thank everybody who is not indifferent to this problem, and helps us to detect scammers on JiJi.ng online marketplace! We want you continue to adhere this philosophy.

One blocked fraud equals thousands of people who save their money.

Take care of yourself and other honest Nigerian people. If you have encountered a fraud, please inform JiJi’s administration, or submit a request to ban the site’s user.

All scammers will be excluded from JiJi! We instantly react to any information about them!

And remember:
jiji image 6

 

Conclusion

Jiji is scam free, why don’t you give it a try. A visit to the site unveils a bring-it-on impression, as the services they offer virtually cuts across every human endeavour; According to their slogan “The best place to sell anything to real people. Be scam smart and Street wise.
Incase of any comment , suggestion and advice , you can follow and tweet at jiji using this https://twitter.com/JiJiNigeria or “@jijiNigeria..
What do you think, feel free to drop your comment below.

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Happy Birthday .COM! Celebrating 30 Years of Internet History

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Happy Birthday .COM! Celebrating 30 Years of Internet History

Thirty years ago, the .com Internet domain was born. In case you’re not familiar, the companies and organizations that hand out Internet addresses use top-level domains like .com to organize the addresses. While it seems difficult to remember a time when .COM didn’t exist, the exponential growth of the industry has been relatively recent. In 1985, only six domains were registered. That number grew to 223 in 1990 and 9,005 in 1995, but exploded to over 20 million in 2000. In early 2015, more than 116 million domains were registered.
On March 15, 1985, the first .COM was registered to symbolics.com. This turning point marked the beginning of an industry that revolutionized business and entertainment on an international level. Readily available information at our fingertips has dramatically impacted daily life. Today, nearly three billion users access .COM domains each day. From personal websites and dating sites to online shopping, social media, and news sites, the .COM invention sparked a variety of other domains, such as .EDU, .GOV, .NET and .ORG.

Happy Birthday .COM! Celebrating 30 Years of Internet History

With more than 3 trillion users accessing sites each day, the .COM domain created a platform for some of the world’s most influential people and companies to showcase and promote their brands. Take a look at these stats of .COM users.
Geekzone reports that , From Amazon.com, which registered its domain name in 1994, and Google, which registered Google.com as a domain name in 1997, to small and mid-sized businesses more recently registered, such as Enduracenter.com, NaturallyCoolKids.com, or PantryFullofRecipes.com, which was registered in 2015, .COM is the global online standard for doing business. .COM addresses are your best choice for making your online identity recognizable, easily found and trusted on the global Internet.

“.COM is more than just an address. It’s a globally recognized and respected brand itself that nearly every major global brand, including 100 percent of the Fortune 500, has entrusted with their online presence,” said Jim Bidzos, executive chairman, president and chief executive officer at Verisign. “.COM turning 30 represents a shared milestone for us all and a celebration worth commemorating.”

While Internet growth and adoption has been primarily concentrated in North America for the last 30 years, today, Internet users in North America account for 19 percent of the total number of Internet users globally. As global Internet adoption and growth is accelerating outside of North America, .COM’s global brand appeal, instant recognizability and rapid growth in overseas markets illustrates .COM’s growth in parallel with Internet adoption.

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