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The Simple Revolution: Everything Gets Mobilized

It is simple, really. Mobile changes everything. From the ways in which brands find and relate to their customers to the places and ways media communicate and down to the point of sale itself, these platforms are transforming all links in the marketing chain. At the summer edition of Mobile Insiders Summit we step back from the bright shiny objects that often drive discussion of mobile media. Instead we focus on the fundamentals of marketing and how mobile transforms them: brand relationships with consumers, the point of sale, media and communications. It is that simple. Really. Mobile media will leave no aspect of your business untouched.

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On Day 1 we explore “Relationships” and how mobile raises the bar on consumer expectations from a brand - to be at hand, of service and understanding of customer needs in different use cases. In order to make this relationship work, marketers need to research and understand their customers differently.

On Day 2 we explore “The Sale” and the enormously disruptive effect smartphones are already having both on the path to purchase and especially the point of sale itself. Suddenly, your competition is in your own store aisle, perhaps with a better price, perhaps ready to take the sale away right this moment. M-commerce, from mobile shopping to payments, puts everyone’s storefront everywhere. Now what?

On Day 3 we tap the new “Lines of Communication” and how mobile platforms are fundamentally shifting the media consumption landscape that all brands need to access customers. GRPs and impressions are less relevant in a world of mobilized apps, check-ins, 2D code interactions and SMS. How can marketers really determine ROI here and integrate mobile with the rest of their mix.

At the Mobile Insider Summit we look at the fundamentals of the mobile revolution, but dig deep to find the best practice that are revolutionizing marketing as we have known it.   

 

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Feedback from previous Summit attendees...

 

"The Mobile Insider Summit was invaluable in identifying trends in this very dynamic industry. Mobile is central to our business now, and will become even more so as the space evolves. The in-depth discussions with the leaders in this industry will pay dividends for years to come."

Marc Jenkins

Managing Director, Global Marketing

NASCAR

Apple's iOS and Google Android have more than doubled their collective smartphone market share in the last year, and now represent nearly two-thirds of all devices sold, according to Gartner.

The research firm's latest figures show sales of smartphones by operating system in the second quarter of 2011. Android, available on a number of devices from multiple manufacturers, is the top platform, with 46.8 million units sold amounting to 43.4 percent of the market.

Gartner's numbers show that Nokia's soon-to-be-abandoned Symbian platform stayed in second place, with 23.9 million units sold and a 22.1 percent share. That placed Apple's iOS in third, with 19.6 million smartphones sold in the quarter, good for 18.2 percent of the market.

The numbers released Thursday by Gartner stand in contrast to other recent sales reports. Specifically, earlier this month Canalys declared Apple's iOS the world's second-largest smartphone platform, ahead of Nokia's Symbian, with a 19 percent market share.

Roberta Cozza, principal research analyst at Gartner, said Nokia retained its place as the No. 2 platform by volume came because of a combination of sales efforts and greater concentration in retail and distributors' sales. It is expected that Apple will unseat Nokia, in Gartner's numbers, in the next quarter.

"We will not see a repeat of this performance in the third quarter of 2011, as Nokia's channel is pretty lean," Cozza said.

Gartner's analysis found that Apple exceeded expectations, thanks in part to the iPhone becoming available on 42 new carriers and in 15 additional countries in the second quarter of 2011. The iPhone is now available in 100 total countries.

The totals included in Gartner's figures represent what the firm claims are sales of units to end users. That's why Gartner's figure of 19.6 million iPhones sold is less than the 20.34 million that Apple actually shipped in the June quarter.

The research firm declared both Google and Apple the "obvious winners" in the worldwide smartphone market, accounting for 62 percent of all sales together. That's double the 31 percent the two combined for in the second quarter of calendar 2010.

Gartner analysts said that both iOS and Android have "usability that consumers enjoy, the apps that consumers feel they need, and increasingly a portfolio of services delivered by the platform owner as well."

In hardware sales, including smartphones and traditional cell phones, Gartner found that Apple's 19.6 million units sold to end users was good enough for fourth place, with a 4.6 percent total market share. Nokia was the market leader with 97.8 million units sold, representing 22.8 percent of the market, while Samsung came in second with 69.8 million sales and 16.3 percent. LG was in third with 24.4 phones sold, representing for 5.7 percent.

"Smartphone sales continued to rise at the expense of feature phones," Cozza said. "Consumers in mature markets are choosing entry-level and midrange Android smartphones over feature phones, partly due to carriers' and manufacturers' promotions."

Of course, total unit sales only tell a part of the story. Last month, an analysis of mobile phone industry profits found that Apple takes two-thirds of all profit in the entire industry.

Wells Fargo Offers Students Tips and Resources to Help Them Manage Their Finances Year Round

SAN FRANCISCO, Aug 11, 2011 (BUSINESS WIRE) -- At a time when college students are facing high tuition prices and high unemployment rates, Wells Fargo & Company /quotes/zigman/239557/quotes/nls/wfc WFC +0.29% is helping students make the most of their budgets through a broad array of lending and financial management products and services that are accessible through multiple channels, including online banking and mobile banking.

"Students and their families are facing unprecedented challenges managing day-to-day finances in addition to finding the funds to pay for rising tuition costs," said Angel Zapata, senior vice president, National Manager for Wells Fargo Foundation's Office of Financial Education. "Wells Fargo is here to help them manage almost every aspect of their finances, from educational programs to affordable lending solutions to savings and checking accounts to services."

Tracking and Staying on Top of Finances

Two of Wells Fargo's innovations to help students track and stay on top of their finances are ATM Cash Tracker and My Money Map.

ATM Cash Tracker helps students budget their cash usage. Students can establish a monthly withdrawal budget at the ATM. Then each time they return to the ATM, they can see how they are doing on their budget right on the screen while they are transacting.

My Money Map is a free interactive online tool that provides a dashboard view of a customer's financial picture using data from their Wells Fargo transactions and accounts, including Wells Fargo Credit Card, Debit Card, Checking and Savings accounts, and Bill Pay transactions.

"Wells Fargo offers a suite of online tools that help students who may be worried about staying within their budgets during the school year," said Patrick Smith, senior vice president, Wells Fargo Internet Services Group. "Students can start the planning cycle for school expenses any time during the year with services such as My Savings Plan and use automatic transfers to their savings account to help them meet budget goals they identified in My Savings Plan. They can use balance and purchase alerts and My Spending Report during the school year to monitor where their money is going."

Additional online personal financial management tools and mobile banking services include:

-- My Savings Plan(R) tool -- Gives students with a savings account an easy way to save for their goals and automatically monitor their progress.

-- Online Transfers -- Allows parents to move funds from their accounts to their children's accounts when both have Wells Fargo checking and/or savings accounts. Money is received in their account immediately.

-- My Spending Report with Budget Watch -- Helps students create a budget and monitor their progress throughout the month, so they can identify opportunities to spend less.

-- Account Alerts -- Helps students stay informed about account transactions. Students can choose alerts that are important to them and have them sent right to their email or mobile device. Alerts also help students detect potential fraud more quickly.

-- Bill Pay -- Allows students to pay bills in minutes online.

-- Wells Fargo Mobile(SM)banking -- Provides students with three easy ways to bank on their mobile device, including a mobile web site (WF.com), four downloadable applications (iPhone(TM)/iPodtouch(R), Android(TM)-powered, BlackBerry(R), Palm devices(R)) , and text banking to short-code 93557 (which spells "Wells" on traditional telephone keypads).

Banking and Credit 101

Students view the development of banking and credit card relationships as a "rite of passage" and a critical step in establishing a credit history. Many employers look at credit history as a basis for evaluating applicants. Wells Fargo offers The College Combo(R), which features a Wells Fargo College Checking(R) account, free access to Online Banking with Bill Pay, Debit Card with free access to more than 12,000 Wells Fargo and Wachovia ATMs nationwide, a Way2Save Savings account and an opportunity to apply for a college credit card. Having a credit card, such as a Wells Fargo(R) Cash Back (SM) College Card, helps students build credit while also providing a payment solution to make travel arrangements, rent a car or purchase services over the phone and online. Since most students today are active mobile phone users they can stay on top of their spending with the new Rapid Alerts Service. The near real-time text alerts are a great way to keep control of one's credit card usage by receiving text alerts whenever one's card is used.

Financing School with Education Loans

Wells Fargo Education Financial Services serves more than 1.9 million student and family customers in all 50 states and has been in the student lending business for 43 years, helping customers make smart borrowing decisions to finance education. Wells Fargo offers a variety of fixed and variable rate loans for students and their parents, including Wells Fargo Collegiate Loan(R), Wells Fargo Student Loan for Parents(R), Wells Fargo Student Loan for Career and Community Colleges(R), and Wells Fargo Private Consolidation Loan(R). Wells Fargo also recently introduced new relationship pricing discounts. In addition, students who enroll in Wells Fargo's CollegeSTEPS(R) Program receive electronic postcards that provide valuable information on college preparation, scholarships, budgeting and financial aid. Students and families interested in more information should call 1-800-378-5526, visit wellsfargo.com/student or speak with a personal banker at any Wells Fargo or Wachovia location nationwide.

Insure New Digs and Back to School Wheels

Wells Fargo Insurance can help simplify the insurance process, whether students need to protect their personal property in an apartment, insure their car, or assess their overall coverage.

Renters insurance: While a landlord's insurance coverage typically covers the building a student lives in, it is up to the student to protect his or her personal property. Renters insurance helps protect a person's personal property from loss or damage, and can even reimburse the student for reasonable living expenses if the student is relocated as a result of a covered event -- like a fire. It also can include liability insurance, in case someone else is injured while visiting.

Auto insurance: Purchasing a car is a big decision and Wells Fargo Insurance can help protect it. Experienced insurance agents work with customers to quickly compare auto insurance quotes from multiple insurance companies and help them purchase the coverage that's right for them, regardless of which insurance company they select.

Free Financial Literacy Programs Available

Whether the student's preference is to learn and obtain information offline or online, Wells Fargo has many resources:

Online:

-- Student Center (online center) -- https://www.wellsfargo.com/student/loancenter

-- Hands on Banking(R) (online educational program) -- http://www.handsonbanking.org/en/

-- The Student LoanDown(SM) (blog) -- http://blog.wellsfargo.com/StudentLoanDown

-- Practical Money Skills for Life - http://wellsfargo.practicalmoneyskills.com

-- CollegeSTEPS(R) program - wellsfargo.com/collegesteps

Available at Wells Fargo Banking Stores:

-- The Getting Started Guide brochure -- Helps them understand their new checking account.

-- The Student Guide to Good Credit brochure -- Covers how to build good credit, the importance of budgeting, online banking tools, how to read a statement and key financial terms.

-- Preparing and Paying for College brochure -- Provides planning information, a roadmap and calendar to help students stay on track with their college application process.

About Wells Fargo

Wells Fargo & Company /quotes/zigman/239557/quotes/nls/wfc WFC +0.29% is a nationwide, diversified, community-based financial services company with $1.3 trillion in assets. Founded in 1852 and headquartered in San Francisco, Wells Fargo provides banking, insurance, investments, mortgage, and consumer and commercial finance through more than 9,000 stores, 12,000 ATMs, the Internet (wellsfargo.com and wachovia.com), and other distribution channels across North America and internationally. With approximately 275,000 team members, Wells Fargo serves one in three households in America. Wells Fargo & Company was ranked No. 23 on Fortune's 2011 rankings of America's largest corporations. Wells Fargo's vision is to satisfy all our customers' financial needs and help them succeed financially.

About Education Financial Services

Wells Fargo Education Financial Services serves more than 1.9 million student and family customers in all 50 states and has been in the student lending business for 43 years helping customers make smart borrowing decisions to finance education. Education Financial Services provides customers with financial tips and tools to keep their finances on track while in school and prepare them financially for when they finish college. Wells Fargo markets its education products to colleges and universities, directly to consumers and through Wells Fargo Bank and Wachovia Bank. As part of the organization's commitment to education, during 2010 Wells Fargo provided $66 million to educational organizations, including $17 million in team member donations, which Wells Fargo matches dollar for dollar, up to $5,000 per team member.

SOURCE: Wells Fargo & Company

Wells Fargo & Company 
        Media: 
        Lisa Westermann, 415-222-6236 
        Michele Rene Scott, 415-396-8380 
        Investors: 
        Jim Rowe, 415-396-8216

GE's Centricity Advance-Mobile app lets doctors in small practices view and update electronic medical records on an iPad.

By Nicole Lewis InformationWeek
August 10, 2011 03:37 PM

 

Slideshow: Health IT Boosts Patient Care, Safety

GE Healthcare this week unveiled Centricity Advance-Mobile, a native Apple iPad application designed for primary care physicians in small practices that are using the Centricity Advance cloud-based program to access their patients' EMRs.

GE chose to develop the iPad app because the tablet is used by more physicians than other tablets on the market, according to Mike Friguletto, vice president and general manager of GE Healthcare IT's Clinical Business Solutions. It's no surprise then to hear him say that the company has no current plans to put Centricity Advance-Mobile into other mobile devices.

TechWebTV catches up with Whisper Systems' CTO and co-founder Moxie Marllinspike to discuss and demo WhisperCore -- a mobile security solution that brings BlackBerry-like centralized enterprise-grade security to Android devices.

The announcement is another sign that the iPad (along with health apps developed to run on them) is the dominant tablet of choice among physicians. As mobile health (mhealth) becomes more pervasive, companies like Apple and Microsoft are eager to push their products into the lucrative healthcare market. Microsoft recently announced that it will make it easier for software developers to create health apps to run on its Windows Phone 7.

In the meantime, GE said its Centricity Advance-Mobile turns the iPad into a digital "notepad" that the clinician can use when completing summary notes. The mobile application enables immediate response to patient requests, such as prescription refills and emailed questions, and allows a physician to attend to tasks even when away from the office. In addition, physicians can now use their iPad to order, digitally sign, and route a new prescription to a pharmacy.

IT strategies are transforming healthcare. Hear from some of the "rock stars" in the field at the InformationWeek Healthcare IT Leadership Forum.

Join us July 12 at the New York City Grand Hyatt.

Centricity Advance-Mobile is an extension of GE Healthcare's Centricity Advance platform. A Web-based offering, Centricity Advance is an EMR, practice management, and patient portal program specifically designed for medical practices with 10 or fewer physicians.

"What's new is an entirely native iPad app and physician workflow. This portal provides a new view that is different than what a physician would see in logging into the software," Friguletto said, pointing out that cloud-based EMRs are useful tor small practices because they don't require a major investment in hardware or IT support.

Dr. Medhavi Jogi, a Houston-based endocrinologist and Centricity Advance-Mobile user, said in a statement that the new technology lets him use his iPad exactly as he would use a notepad. "I don't miss a single point of communication with the patient. Better still, it eliminates the perceived barrier that some patients feel when I'm sitting at a computer entering data. It's a much more natural form of interaction." Jogi said.

-- Clinical information in doctors’ hands at the point of care can help drive lower costs and better health outcomes --

TAMPA, Fla.--(BUSINESS WIRE)--Doctors participating in Aetna’s Florida network have two new tools in their virtual black bags: alerts to opportunities to improve care and e-prescribing services through a smartphone or tablet.

“Access to patient and clinical information is critical for doctors to deliver high-quality, effective care. That’s why we’re putting integrated information into doctors’ hands when it’s most effective – when the doctor is in the exam room with the patient”

The mobile alerts and e-prescribing services, supported by NaviNet Mobile Connect, are available at no cost to doctors participating in Aetna’s network.

Mobile technology is changing the way doctors deliver care. According to a 2010 study by Manhattan Research, by 2012, 81 percent of doctors will have adopted smartphones, and about half of this group will use their devices to support everyday administrative tasks in addition to coordinating patient care.

The new services enable doctors to access medical literature and clinical and patient information from Aetna’s claims while the doctors are with their patients. As a result, the quality and safety of care improves because doctors can:

• Identify safety issues, such as medications that should not be taken at the same time
• Talk with their patients about any missed test or checkups
• Talk with their patients about care management programs that could help improve their health and help them understand how to enroll
• Simplify and speed prescription orders, making it easier for members to pick up prescriptions immediately following their appointment, which helps ensure patients take the medications

“Access to patient and clinical information is critical for doctors to deliver high-quality, effective care. That’s why we’re putting integrated information into doctors’ hands when it’s most effective – when the doctor is in the exam room with the patient,” said Bob Kropp, M.D., regional medical director for Aetna.

How it works

ActiveHealth Management’s CareEngine^® System reviews the available clinical data on patients and compares it to evidence-based guidelines. Doctors in Aetna’s Florida network who subscribe to NaviNet Mobile Connect will now receive Care Considerations, or alerts to opportunities to improve care, on their mobile device. The alerts currently are delivered by email, phone and fax. Doctors can discuss the alert during the patient visit and instantly notify the CareEngine that an action has been taken to close the gap in care.

The e-prescribing service not only speeds prescription orders, but also provides information about medications and patients’ health plan benefits. The integrated information helps doctors and patients have more effective discussions about treatment plans.

Aetna offers a variety of tools and capabilities that help health care professionals work more easily with Aetna and to care for their patients. Aetna’s full suite of provider solutions, including mobile-enabled information, helps doctors make immediate, more informed health care decisions.

About Aetna

Aetna (NYSE:AET) is one of the nation’s leading diversified health care benefits companies, serving approximately 36.5 million people with information and resources to help them make better informed decisions about their health care. Aetna offers a broad range of traditional, voluntary and consumer-directed health insurance products and related services, including medical, pharmacy, dental, behavioral health, group life and disability plans, and medical management capabilities and health care management services for Medicaid plans. Our customers include employer groups, individuals, college students, part-time and hourly workers, health plans, governmental units, government-sponsored plans, labor groups and expatriates. For more information, see www.aetna.com.

Contacts

Aetna
Walt Cherniak, 410-401-9490
CherniakJrW@aetna.com

So I'm enjoying a relaxing summertime meal with my son when, suddenly, he slices his finger.  Like any parent, I went into crisis-management mode.  I rushed him to the ER to have the situation taken care of. And as I waited for the various specialists to evaluate and repair the gushing digit (thankfully no serious, long-term damage) I had time to ponder the wireless quotient of my surroundings.  I was in one of the world's preeminent medical centers, but there was no trace of the smart health technologies that, since the late 90s, have been "poised" to revolutionize modern medicine.  What had gone wrong?

I asked one of the technicians why all the gurneys weren't rigged with m-health devices, and his answer was simple:  "It's because patients vomit on the equipment."

For years we've had visions of smart cabinets that order refills when medications run low, phones that double as payment mechanisms and closets that order new socks when matches mysteriously disappear.  While the technology for all this exists, the solutions simply have not materialized.

The fact is, the road to m-everywhere is littered with landmines.  In the hospital scenario, an entire ecosystem of operators, paramedics, doctors, patients, equipment manufacturers and applications developers loses out on a host of opportunities, not least of which is improved health for patients and increased revenue for all the other stakeholders.  Whether the issue is trust, security, integration, design or projectile hazmats, it's time for mobile rollouts to stop exploding on the sectors that need them most.

In my opinion, we solve this problem by revisiting some basic principles in policy, technology and best practices-and by extending that knowledge to three core verticals: health, finance and retail.  If we put the right heads together in the right setting, we can jumpstart an entire industry.  But more on that in a second.

There's no doubt the mobile industry has done a great job of establishing infrastructure from an end-to-end standpoint.  And admittedly we've made progress.  The evolution of networks, devices and their respective technologies did a great job of setting the stage for a company like Foursquare, for example, where simple, location-based triangulation allows us to check into places, collect badges and win prizes for coming back.  Foursquare's success demonstrates a market that's ready for action.  The question is how to activate it.

How does an enterprise set about creating a mobile solution that's secure, easy-to-use and serves as a faithful brand extension?  Would the CIO start with technology vendors?  Or UI designers?  Or end users?  What role do policymakers and regulatory bodies play in this equation?  In many ways, asking an enterprise to go out and deploy a mobile storefront is like asking a person to go out and build their own car-starting with steel, rubber and glass.  A CIO would have to browse menus of devices, applications, security protocols and compliance measures until they had something even reasonably workable.  Impossible?  Not at all.  Prohibitive?  Completely.

But the fact remains: If you knew the refrigeration on your organ-donor van had failed, would you follow through with the transplant?  Would you like to pay for your groceries by holding your phone to the register? If you knew the truck carrying your new computer slammed on the brakes at 70 mph, would you accept the delivery?   In my opinion, all we need is a simple roadmap, the one page at the beginning of the book that sets out all of the components-and all of the solutions.

Earlier I mentioned the importance of putting the right heads together.  To that end, I've gotten together with industry luminaries Tom Boyle, Daniel Csoka and Andrea Farris to found the M3 conference, the first invitation-only event to focus on mobile solutions for health, finance and retail.  M3 is not a trade show!  Rather, it's a world-class networking and business information exchange where we bring in no more than 100 pre-qualified buyers from the mobile industry supply chain-all expenses paid-and personally introduce them to a group of hand-picked sellers. 

Once there, we'll treat the buyers to the best and brightest strategies for leveraging mobile as a reliable business driver.  Using case studies, fireside chats and targeted keynotes, M3 will lay out the obstacles to adoption that typically hijack mobile deployments and that account for a long list of corporate casualties.  Most importantly, our guests will return home with the toolkits they need to handily pull off mobile deployments well into the foreseeable future.

Furthermore, M3's proven, "hosted" format provides sellers with the ultimate opportunity to speak directly to pre-qualified decision makers who can increase their ROI.  Buyers get an efficient method to speak with C-level executives from supplier firms, witness new technologies firsthand and accomplish objectives in a focused timeframe.  M3 takes place November 29^th to December 1^st at San Diego's beautiful Grand Del Mar.

Right now, non-traditional mobile companies have virtually unseated mobile incumbents.  We've seen carriers get snapped up in fire sales and handset manufacturers plummet from world domination to the bargain basement.  But as m-health, m-finance and m-commerce rumble to life, the industry's earliest players can return to a seat at the table.  The Yankee Group predicts the mobile transaction ecosystem will be worth more than $1 trillion by 2015.  For the operators, device manufacturers and platform architects who invested billions in networks, spectrum and advocacy, suiting up our three verticals in mobile will do more than put them back on the map; it will create a new map altogether.

For more information on M3, please visit http://www.m3mobilityexchange.com/.