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Apple’s greed has passed the threshold for anticompetitive behavior that makes them evil. No company wants to compete in an open market, but Apple is going the extra mile to eliminate competition.

This I conclude from three distinct moves:

  1. Apple long ago blocked third party document innovation on their devices
  2. Their new iBook format is built as proprietary extensions on the shoulders of ePub
  3. Any content produced with it’s new, free iBooks Author tool can only be used on Apple devices

You wouldn’t think Apple would need to limit competition with earnings results such the ones they announced today, but I guess when you’re big, the only way you can grow your value is to bite off new markets to own.

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This is part four of a series on e-delivery:

  1. Why do banks still have no way to send us confidential messages?
  2. Statement E-Delivery is Broken
  3. Solving E-Delivery: Fundamental Requirements
  4. Solving E-Delivery: Solutionscape

In my previous post I looked at the requirements for an e-delivery solution. That post hinted at the need for standards so that businesses could future-proof whatever solutions they adopt. I discussed the existing cloud-centric solutions in a bit of detail in my post Statement E-Delivery is Broken. In this post I dig a little deeper and look at what constraints and trends businesses should consider and how they should future-proof their solutions.

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This is part three of a series on e-delivery:

  1. Why do banks still have no way to send us confidential messages?
  2. Statement E-Delivery is Broken
  3. Solving E-Delivery: Fundamental Requirements
  4. Solving E-Delivery: Solutionscape

You are a bank, biller, health care provider, insurer, payroll or other businesses. You currently do not have a way to push confidential documents and messages to end users and to notify your customers (users) of new content or messages.

How do you send messages and documents to the user, and make them aware that they have new content? For a message solution to work you need to make notifications available to the user in a place that your customer frequents. You don’t send the actual message or document via email because of security and reliability issues. Instead you are putting the message or document on your own web site and, for important content, sending users an e-pickup notice via email. But content is only retrieved when users get around to it, which in many cases never happens.

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This is part two of a series on e-delivery:

  1. Why do banks still have no way to send us confidential messages?
  2. Statement E-Delivery is Broken
  3. Solving E-Delivery: Fundamental Requirements
  4. Solving E-Delivery: Solutionscape

It’s year end and like millions of other households I am rounding up all our electronic records for reconciliation and tax purposes. Much of our information is still best or only presented in paper or as PDF statements. Beyond this fact, many of us would prefer to have access to offline copies of our records that we can archive, quickly navigate, cross reference and be sure to retain beyond when a particular account is still active.

Businesses are pushing for electronic delivery of these statements, bills and tax documents, but e-delivery is broken. In fact what businesses today are calling e-delivery is actually e-pickup, and true e-delivery doesn’t actually exist! The onus is on us to visit the 20 or more web sites where our content is stored, then manually retrieve, save and organize this content. No wonder so many people are not willing to turn off paper!

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This is part one of a series on e-delivery:

  1. Why do banks still have no way to send us confidential messages?
  2. Statement E-Delivery is Broken
  3. Solving E-Delivery: Fundamental Requirements
  4. Solving E-Delivery: Solutionscape

We’ve crossed into 2012 yet banks and health care are still putting us through contortions to retrieve confidential electronic messages. Why? Paper and FAX were the accepted practice in the old days, but when it comes to electronic delivery there really is no push delivery replacement. E-mail sounds kind of like the right solution, but it’s not secure.

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The not entirely reliable trick I’ve found for inserting liquid code into an Octopress codeblock is to double wrap your code with [% codeblock %] [% raw %] ... [% endraw ] [% endcodeblock %]. But use curly brackets { } instead of square brackets [ ]. I can’t use the curly brackets because if I do they bugger up the codeblock below.

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I recommend the article Identity & Trust: The Keys to the Game in Winning the Hearts (and Wallets) of the Consumer by Allison Cerra. Allison comes from a telecom background and had an early perspective on the value of what she calls the 3Ps. These are presentation (how a consumer constructs and manages an ideal image of himself), protection (data privacy) and preference (helping a consumer make choices). She speaks of the gold mine of opportunity in targeting experiences and applications for consumers.

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A happy birthday to my mom who was born 80 years ago today in rural Lithuania. She had the sort of teenage adventure that few of us today could appreciate, as she made her way by foot across Lithuania, Poland and Germany, then back and forth again, before finally settling in Canada as a refugee after WWII. I love you Mom!

My mom (center) with her sisters Emily (left) and Martha (right)