what’s next? ty rollin, chief innovation officer 5 ... · kinvey ๏ and many more key

What’s Next?

Ty Rollin,

Chief Innovation Officer 5 November 2015

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© Mobiquity, Inc. Proprietary and Confidential

Today’s Session is

About disruptive

technology

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© Mobiquity, Inc. Proprietary and Confidential |Readout v1.0

X

Anything can be built.

© Mobiquity, Inc. Proprietary and Confidential | Readout v1.0

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Technology Drivers

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Public Cloud is moving

up the stack.

2

Infrastructure is now

Code.

3

API Economy

connecting everything


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Technology Trends shifting

business models


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New Computing Models

Cloud Logic ๏ Code that is run in the cloud

๏ Small amount of code

๏ Fast to build

๏ Typically called “Serverless”

๏ Pay per event / trigger

IoT ๏ Unified platform for device communication

๏ Automated device messaging

๏ In network rules / transformation

๏ Support intermittent connectivity

๏ Pay per message

Key Commonality: Authentication and Asynchronous processing


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Cloud Logic

Services: ๏ Zapier

๏ IFTTT

๏ AWS Lambda

๏ Azure WebJobs

๏ mBaaS vendors like Parse, Appcelerator,

Kinvey

๏ And many more

Key Attributes: ๏ Business models crafted around events,

latency, and connectors to other systems.

๏ Need to know your event throughput.

# of events / min

amount of compute/memory per event

๏ Typically used for orchestration in the

cloud.

๏ Usually find Node.js or javascript in the

offering


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Cloud Logic

Pay attention

to node.js ๏ Its growth is unprecedented.

๏ It is asynchronous.

๏ More modules than other

platforms.

๏ Modules are shrinking in size.


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IoT

Services: ๏ Verizon

๏ ThingWorx/PTC

๏ AWS

๏ IBM

๏ Azure

๏ Salesforce

๏ etc

Key Attributes: ๏ Massive scale

estimates of device count are staggering

๏ Authentication & Authorization

๏ Rules engine

๏ Support many standards for device connectivity.

๏ Very large pub-sub model.

can be used for non-device application

i.e. chat


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Cloud Logic & IoT

Outcomes: ๏ Elastic in nature

๏ Can handle spike traffic

๏ Typically managed - no need for devops

๏ Logic meets raw data

‣NO MIDDLEWARE

๏ Opportunity to manage latency per

event/message

Risks: ๏ Do you know your solution well enough at

the event level?

๏ A recursive function will be costly.

Will only discover it on your bill /

monitoring.

Think about throttling mechanism.

๏ Many new applications that are extra small.

๏ How will your SDLC support these

extremely small projects?


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Mobile Innovation


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2015 Mobile Trends in Banking ๏ Customer First – the User Experience

๏ Hyper Connected Customer

‣ always on.

๏ Banking Apps as a Digital Market Place – targeted and personal

๏ Enhanced Customer Incentivization

‣ on-the-go rewards

๏ Cyber Security and Authentication

๏ Apple Pay and other Mobile Payments Source www.slideshare.net/goldengekko/top-8-mobile-finance-trends-2015 www.enterpriseappstoday.com/crm/6-top-tech-trends-shaping-financial-services.html http://www.forbes.com/sites/sarwantsingh/2014/12/17/top-15-trends-for-2015/ http://thefinancialbrand.com/50258/2015-digital-banking-outlook-trends/

๏ Using Big Data and Customer Analytics to

understand and influence behavior -

messaging

๏ Transparency in Process and Strategies

๏ Move towards Zero Latency - faster

processing speeds and response times

๏ Networked Community – provide support,

understand glitches, identify unmet needs

http://www.slideshare.net/goldengekko/top-8-mobile-finance-trends-2015












http://www.enterpriseappstoday.com/crm/6-top-tech-trends-shaping-financial-services.html














http://www.forbes.com/sites/sarwantsingh/2014/12/17/top-15-trends-for-2015/










http://thefinancialbrand.com/50258/2015-digital-banking-outlook-trends/











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The ATM Evolves with Mobile

NFC Authorization Instant Bill Payment Secure P2P Cash

Custom Menus Authenticated Signature Emergency Disbursement

The ATM becomes

the Central Point for

Secure Transactions • Leverages in-built smartphone

security and biometric technology

• Critical tool for the under-banked to pay bills

• Facilitates secure peer-to-peer-to-cash transactions

• ATM menus customized to minimize user navigation

• (alternatively) ATMs become black-box, smartphones present the menus

• Secure and authenticated signature capture for legal documents

• Gov’t disbursement center for emergency funds during disaster using mobile for dynamic authorization


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OS Vendors Will Continue to Innovate

★Google’s hands-free payments do not require user to take out phone

๏ Verbal cue: “I’d like to pay with Google”

๏ Bluetooth sensor detects whether app on phone

★ Apple’s Apple Pay extends to the wrist and beyond

๏ To set up your credit and debit cards on Apple Watch, simply open the Apple Watch app on your iPhone and select the "Passbook & Apple Pay" option

๏ Each time you take Apple Watch off your wrist, the passcode must be entered to access it before paying


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Final Thoughts


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Key Take Aways

Cloud Logic & IOT ๏ Produce more Apps.

๏ The Apps are small, really small.

๏ Less code is produced.

‣More is focused on value.

๏ Quick releases (near instantaneous)

๏ FGAC (Fine Grained Access Control) is essential.

๏ Cost is low compared to other compute models.

Latency ๏ King of non-functional requirements.

๏ This will be your number one lever for cost.

๏ Fine grain management per resource is

critical to managing overall cost

Each function in your system does not need

to run at the same speed.


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Business Differentiation

will be driven by ….

How fast

you can

build.

How fast

you can

adapt.

And deliver at

a better cost

to latency


mBaaS vendors like Parse, Appcelerator, Kinvey


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Questions?

what’s next? ty rollin, chief innovation officer 5 ... · kinvey ๏ and many more key

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