Valuable Bits

I often feel that there is too much focus concerning security when it comes to mobile banking and payments. Many in the banking industry has the belief that you can eliminate all threats, which is impossible, all you can do is work on making them as small as possible.
Janne Uusilehto from Nokia held a very [...]

The consensus in the industry is that NFC is about five years into the future. In three years most new phones will have NFC and then it takes about 18 months for a significant part of the consumers to buy a new phone.
And even a lot of people think this time frame is a bit [...]

Yesterday we attended Piers Fawkes lecture about trend-spotting and his company and blog pfkj. The lecture was hosted by SSES and it was interesting to hear Fawkes explain the work flow in his company and how they gather quantities of data.
After the talk we had a chance to have a chat with him and [...]

We just came home from Mobey Forum which this time was hosted in Oslo. Mobey Forum is a non-profit, global, financial industry-driven forum, whose mission is to encourage the use of mobile technology in financial services.
It was an excellent conference and we really got an good overview of the current situation for mobile banking and [...]

DnB NOR is a Norwegian bank with about 2 million costumers. They have tried to stay in the forefront of mobile banking and can today offer both browser and SMS based systems. Their mobile browser based has about 1 000 users per day which is a rather small number. The SMS-service has an impressive 60 [...]

The success of M-PESA in Kenya is really very impressive, and one of the reasons we felt the need to start Valuable Bits. Among other things, it has enabled people to digitally transfer money from person to person in real time. This have certainly helped to spread the technology, people will have a more positive [...]

After two years of studies at the HCI department at KTH, one key focus point has always been to include the end users in the process of designing technology and services aimed to that user group. When reading about projects in the topic of mobile banking, examples where this has failed are not as uncommon [...]

We have been talking to a lot of people the last couple of weeks.
We began with Caroline Holmberg and Erik Malm at Telenor. They presented a couple of projects, one of them the mobile version of BankID. BankID is a Swedish service that the banks and the goverment uses to vertify that the person behind [...]

This is the place where we, Gunnar Camner and Emil Sjöblom, will post our thoughts and findings surrounding Mobile Banking and Payments. During the autumn and winter we will write our Master’s Thesis on the topic and currently we are searching for the most suitable partners to work with.
During the last six months we have [...]