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What’s on The Cards - for Credit Cards ?


                          Peter Cochrane

                            COCHRANE
                            a s s o c i a t e s




                           cochrane.org.uk
                           ca-global.org
Wednesday, 15 June 2011
Technology!
                          •Provides our raw tools of understanding
                          •Enhances our lives and experiences
                          •Provides us with everything
                          •Sustains our society
                          •Fuels our advance
                          •Is speeding up


                          •Isn’t going to go away!




Wednesday, 15 June 2011
Changing an established company !




                                     “…can be almost impossible, and it is
                                     generally far easier to build a new one”




Niccolò Machiavelli 1469 - 1527




Wednesday, 15 June 2011
Changing an established company !




                                     “…can be almost impossible, and it is
                                     generally far easier to build a new one”


                                              This is what you have

Niccolò Machiavelli 1469 - 1527




Wednesday, 15 June 2011
Changing an established company !




                                     “…can be almost impossible, and it is
                                     generally far easier to build a new one”


                                              This is what you need
                                                               have

Niccolò Machiavelli 1469 - 1527




Wednesday, 15 June 2011
Trading and Transaction


                          BC                     AD




                ~3000          ~400     ~700   ~800    ~1940




Wednesday, 15 June 2011
Trading and Transaction


                          BC                     AD




                ~3000          ~400     ~700   ~800    ~1940


                                 Atoms                     Bits

Wednesday, 15 June 2011
Trading and Transaction


                          BC                     AD




                ~3000          ~400     ~700   ~800    ~1940      ~2010


                                 Atoms                     Bits

Wednesday, 15 June 2011
Trading and Transaction


                          BC                     AD




                ~3000          ~400     ~700   ~800     ~1940      ~2010


                                 Atoms On
                                   Hands                    Bits
                                                      Hands Off

Wednesday, 15 June 2011
Trading and Transaction


                          BC                     AD                 <10years




                ~3000          ~400     ~700   ~800      ~1940      ~2010


                                 Atoms On
                                   Hands                    Bits
                                                      Hands Off
                                   Real                   Virtual
Wednesday, 15 June 2011
~20 years of living on line…

   …and now entering the workforce…
   	

        -Any platform
       - Any device
   	

 - Any OS
   	

 - Any Application
   	

 - An entirely different expectation!

Wednesday, 15 June 2011
I like social networking...because...

                                            Other people:
                                                   * Read
                                                   * Search
                                                   * Think
                                                   * Work
                                                   * Model
                                                   * Solve Problems

                                                   So I don’t have to !

Wednesday, 15 June 2011
Creativity is now at the
                          edge, out of control,
                          open, & distributed...




Wednesday, 15 June 2011
Already Dead !




Wednesday, 15 June 2011
Already Dead !




Wednesday, 15 June 2011
Definitely on their way !




                          It is only a question of time !

Wednesday, 15 June 2011
Old and New




Wednesday, 15 June 2011
Old and New




                          < 25 years




Wednesday, 15 June 2011
Incrementalism




                          Resisting change is futile...

Wednesday, 15 June 2011
Incrementalism




                          Resisting change is futile...

Wednesday, 15 June 2011
Unequals




Wednesday, 15 June 2011
Unequals




Wednesday, 15 June 2011
Unequals




Wednesday, 15 June 2011
Unequals




                                     Worlds apart - a completely
                                     new paradigm!

Wednesday, 15 June 2011
Mobile migration

           “Hardwear”




It hurts when I sit down!




Wednesday, 15 June 2011
Mobile migration

           “Hardwear”




                            Chunky              Pretty
                            technology          Jewelry




It hurts when I sit down!




Wednesday, 15 June 2011
Incramentalism ?




                          This really isn’t the next step - it really isn’t !!


Wednesday, 15 June 2011
Let’s address the wider problem !




Wednesday, 15 June 2011
Cards galore!
                  ID
                Pass
              Debit
              Credit
             Guides
             Loyalty
            Medical
           Licences
         Insurances
        Institutions
       Quick Notes
       Memberships
      ++++++++++
                          How many more can you cope with?

Wednesday, 15 June 2011
Cards galore!
                  ID
                Pass
              Debit
              Credit
             Guides
             Loyalty
            Medical
           Licences
         Insurances
        Institutions
       Quick Notes
       Memberships
      ++++++++++
                          Just manage my life for me!

Wednesday, 15 June 2011
Cards galore!




                          Just manage my life for me!

Wednesday, 15 June 2011
Cards galore!




                                                        iCards

                          Just manage my life for me!

Wednesday, 15 June 2011
Cards galore!




                                                        iCards

                          Just manage my life for me!

Wednesday, 15 June 2011
How can a mobile phone ever manage our lives ?




Wednesday, 15 June 2011
What does it
             know
           about you?




Wednesday, 15 June 2011
Where you are ?
                          Where you have been ?
                          Where you are likely to be going to ?
           What does it   Who you have met ?
             know         Who you are going to meet ?
                          Who you call ?
           about you?     Who calls you ?
                          Who you TXT - IM - Link ?
                          All your contacts
                          All your urls
                          All you passwords
                          What you are doing now ?
                          What have you done in the past ?
                          What games you play ?
                          What apps you use ?
                          What music you listen to...?
                          What you watch...?
                          What you read...?
                          ++++++++++
Wednesday, 15 June 2011
Social networking leads to social
   shopping and consumer leverage
   taking out the middleman...

   ...adding value that card companies
   do not...and cannot ?




Wednesday, 15 June 2011
Tagging for life




Wednesday, 15 June 2011
Tagging for life



                                                   Cradle
                             Chunky
                             Limited              to Pretty
                                                     Grave
                             technology
                             information             Jewelry
                                                    Data




            Chips and tags on and in everything
            including goods, animals & people

Wednesday, 15 June 2011
If cards go from swipe to contactless...and that
         is all, then there will be another...




Wednesday, 15 June 2011
If cards go from swipe to contactless...and that
         is all, then there will be another...




                          ...only this time it will really hurt!



Wednesday, 15 June 2011
Final Word




Wednesday, 15 June 2011
Final Word




            The £ $ € is in the ʻMeta Dataʼ




Wednesday, 15 June 2011
ca-global.org
          cochrane.org.uk



       Thank You

             COCHRANE
                a s s o c i a t e s
                                      1995
Wednesday, 15 June 2011

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What's on the cards for credit cards

  • 1. What’s on The Cards - for Credit Cards ? Peter Cochrane COCHRANE a s s o c i a t e s cochrane.org.uk ca-global.org Wednesday, 15 June 2011
  • 2. Technology! •Provides our raw tools of understanding •Enhances our lives and experiences •Provides us with everything •Sustains our society •Fuels our advance •Is speeding up •Isn’t going to go away! Wednesday, 15 June 2011
  • 3. Changing an established company ! “…can be almost impossible, and it is generally far easier to build a new one” Niccolò Machiavelli 1469 - 1527 Wednesday, 15 June 2011
  • 4. Changing an established company ! “…can be almost impossible, and it is generally far easier to build a new one” This is what you have Niccolò Machiavelli 1469 - 1527 Wednesday, 15 June 2011
  • 5. Changing an established company ! “…can be almost impossible, and it is generally far easier to build a new one” This is what you need have Niccolò Machiavelli 1469 - 1527 Wednesday, 15 June 2011
  • 6. Trading and Transaction BC AD ~3000 ~400 ~700 ~800 ~1940 Wednesday, 15 June 2011
  • 7. Trading and Transaction BC AD ~3000 ~400 ~700 ~800 ~1940 Atoms Bits Wednesday, 15 June 2011
  • 8. Trading and Transaction BC AD ~3000 ~400 ~700 ~800 ~1940 ~2010 Atoms Bits Wednesday, 15 June 2011
  • 9. Trading and Transaction BC AD ~3000 ~400 ~700 ~800 ~1940 ~2010 Atoms On Hands Bits Hands Off Wednesday, 15 June 2011
  • 10. Trading and Transaction BC AD <10years ~3000 ~400 ~700 ~800 ~1940 ~2010 Atoms On Hands Bits Hands Off Real Virtual Wednesday, 15 June 2011
  • 11. ~20 years of living on line… …and now entering the workforce… -Any platform - Any device - Any OS - Any Application - An entirely different expectation! Wednesday, 15 June 2011
  • 12. I like social networking...because... Other people: * Read * Search * Think * Work * Model * Solve Problems So I don’t have to ! Wednesday, 15 June 2011
  • 13. Creativity is now at the edge, out of control, open, & distributed... Wednesday, 15 June 2011
  • 16. Definitely on their way ! It is only a question of time ! Wednesday, 15 June 2011
  • 17. Old and New Wednesday, 15 June 2011
  • 18. Old and New < 25 years Wednesday, 15 June 2011
  • 19. Incrementalism Resisting change is futile... Wednesday, 15 June 2011
  • 20. Incrementalism Resisting change is futile... Wednesday, 15 June 2011
  • 24. Unequals Worlds apart - a completely new paradigm! Wednesday, 15 June 2011
  • 25. Mobile migration “Hardwear” It hurts when I sit down! Wednesday, 15 June 2011
  • 26. Mobile migration “Hardwear” Chunky Pretty technology Jewelry It hurts when I sit down! Wednesday, 15 June 2011
  • 27. Incramentalism ? This really isn’t the next step - it really isn’t !! Wednesday, 15 June 2011
  • 28. Let’s address the wider problem ! Wednesday, 15 June 2011
  • 29. Cards galore! ID Pass Debit Credit Guides Loyalty Medical Licences Insurances Institutions Quick Notes Memberships ++++++++++ How many more can you cope with? Wednesday, 15 June 2011
  • 30. Cards galore! ID Pass Debit Credit Guides Loyalty Medical Licences Insurances Institutions Quick Notes Memberships ++++++++++ Just manage my life for me! Wednesday, 15 June 2011
  • 31. Cards galore! Just manage my life for me! Wednesday, 15 June 2011
  • 32. Cards galore! iCards Just manage my life for me! Wednesday, 15 June 2011
  • 33. Cards galore! iCards Just manage my life for me! Wednesday, 15 June 2011
  • 34. How can a mobile phone ever manage our lives ? Wednesday, 15 June 2011
  • 35. What does it know about you? Wednesday, 15 June 2011
  • 36. Where you are ? Where you have been ? Where you are likely to be going to ? What does it Who you have met ? know Who you are going to meet ? Who you call ? about you? Who calls you ? Who you TXT - IM - Link ? All your contacts All your urls All you passwords What you are doing now ? What have you done in the past ? What games you play ? What apps you use ? What music you listen to...? What you watch...? What you read...? ++++++++++ Wednesday, 15 June 2011
  • 37. Social networking leads to social shopping and consumer leverage taking out the middleman... ...adding value that card companies do not...and cannot ? Wednesday, 15 June 2011
  • 39. Tagging for life Cradle Chunky Limited to Pretty Grave technology information Jewelry Data Chips and tags on and in everything including goods, animals & people Wednesday, 15 June 2011
  • 40. If cards go from swipe to contactless...and that is all, then there will be another... Wednesday, 15 June 2011
  • 41. If cards go from swipe to contactless...and that is all, then there will be another... ...only this time it will really hurt! Wednesday, 15 June 2011
  • 43. Final Word The £ $ € is in the ʻMeta Dataʼ Wednesday, 15 June 2011
  • 44. ca-global.org cochrane.org.uk Thank You COCHRANE a s s o c i a t e s 1995 Wednesday, 15 June 2011