What’s Next? Ty Rollin, Chief Innovation Officer 5 ... · Kinvey ๏ And many more Key ...
Transcript of What’s Next? Ty Rollin, Chief Innovation Officer 5 ... · Kinvey ๏ And many more Key ...
© Mobiquity, Inc. Proprietary and Confidential | Readout v1.0
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Technology Drivers
1
Public Cloud is moving
up the stack.
2
Infrastructure is now
Code.
3
API Economy
connecting everything
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5
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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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
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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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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
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mBaaS vendors like Parse, Appcelerator, Kinvey