Wearables Part 1: Switching Costs

A few weeks ago, I posted about one of the hottest topics in retail and mobile, the Internet of Things (IoT). While my focus was on Smart Homes, because I have firsthand experience there, the conclusion is pretty much the same across focus areas: Smart retailers will learn to serve customers before and even after the sale.

This week, I’ll provide another IoT example in another hot area of mobile and retail. WEARABLES.

Wearables are more than just fitness tracking watches, they also include devices such as:

Augmented Reality Headsets
Google Glass

Wearable cameras (police/military)



Where’s the Money in Cable WiFi?

The term “TV Anywhere” or “TV Everywhere” followed the explosion of tablet device sales, circa 2009/2010.  Since then, cable companies (who by the way are also internet providers) have been under the gun to provide video content to their subscribers outside of the home.  2015 estimates that as much as 70% of all bandwidth is video streaming. Surprisingly (not so surprisingly), the vast majority of all video streaming is Netflix.

Source: Chris Kocks, Pure Integration, March 17, 2016 Wireless Technology Forum

Something that initially started as providing TV content outside of the



Over 25 Billion Connected Devices by 2020

Let’s face it, we’ve exceeded 100% adoption of mobile devices across the US population. There’s still a lot of innovation happening with the smartphone, but I’m constantly asked, “What’s the hottest area in Mobile today?” We’re beyond just being connected with that little smartphone in our hands, we’ve got many more devices to connect! GSMA has already predicted that there will be over 25 Billion connected devices by 2020 with at least 10 Billion connected mobile devices.

What’s the greatest growth area in mobile today? What’s next on the horizon for



Do I swipe, dip, scan, PIN, or tap?

After several years of being on the verge of eruption, mobile commerce is finally hitting mainstream, but not necessarily for the reasons that you might think.

The technology behind mCommerce (i.e. NFC, tokenization, etc.) has existed for many years, but adoption has been slow. There have been set backs, data breeches, and lack of interest from the consumer.

Setback: September 2012 – Apple announces iPhone 5 without NFC chip

Data Breach: December 2013 – Target’s system is hacked and credit and debit information is stolen.

Lack of Consumer Interest: From the consumer perspective, making



EMV Part 2…Chip Timing

As I stated in a previous post, October 1st, 2015 marked the liability shift from credit card companies and financial institutions to the retailer in cases of non-EMV compliance.

On October 8th, 2015, I posted an initial set of observations post-EMV liability shift entitled, “EMV…Are You Ready?” Since that post, I’ve drawn my personal conclusion, “No, we’re not ready for EMV.”

I’ve drawn this conclusion based on 2 observations 1 month after the EMV liability shift:

Less than 10% of my credit card transactions have actually used the chip on my chip credit



The Coming Renaissance of Virtual & Augmented Reality

On October 15, 2015, I had the distinct honor of moderating the first all female panel in the history of the Wireless Technology Forum. Topic: The Future of Virtual and Augmented Reality

Panelists were both pioneers and experts in their fields:

Annie Eaton, CEO, ATLvr
Margaret Martin, CEO, CN2
Maribeth Gandy Ph.D., Director Interactive Media Technology Center (IMTC), Georgia Tech

Here are a few key learnings from my panel of experts, or you can watch the entire session here.

For the past 15 years, innovation in Virtual Reality (VR) & Augmented Reality (AR) has been funded

Copyright: Image by StockUnlimited



EMV… Are You Ready?

October 1, 2015 marked the liability shift of credit card fraud from the Financial Institution (FI) or credit card company to the retailer in cases of non-EMV compliance.

I first learned about the October 1, 2015 deadline from John Schweikert (January 2015) during a panel discussion at the Wireless Technology Forum.

Effective October 1, 2015:

Retailers are liable for credit card fraud on transactions completed with a magnetic bar swipe if the card is equipped with EMV (aka chip cards).
Retailers are NOT liable for credit card fraud if the credit card in question