Philanthropy 2.0 and Voluntourism

Leading philanthropy consultant Katherine Fulton's November 2006 talk at the LongNow was interesting and informative but unfortunately ignored the Accountability 2.0 and Effectiveness 2.0 that should be accompanying Philanthropy 2.0. It becomes increasingly clear that the roadblocks are more about political, structural, procedural, institutional and organizational issues than the receipt of funds. As Amy Chua points out in "World on Fire," there is no incentive for ruling elites to take any action to diminish their power. Philanthropy 2.0 should be about the effective usage of financial and other resources not simply their presence.

Peer-to-peer finance is the Markets 2.0 improvement - a more direct way of allocating philanthropic resources, using services such as third-world entrepreneur lender Kiva, international grassroots project donation site GlobalGiving and livestock donation service Heifer.

Even better than personally-directed philanthropic capital is moving into an active role by being a volunteer tourist, voluntouring for two or more weeks in a country of your choice with programs run by UniversalGiving, Social Venture Partners and other organizations. A nice antidote to regular travel, adventure travel, extreme travel and eco-travel.

Web 2.0 Meta Apps and Self-Aware Objects

With the proliferation of Web 2.0 companies, website based applications for category aggregation are needed.

The idea would be one site each for MetaCalendar, MetaPhoto, MetaBookmarking, MetaShopping (some of these exist but a more robust UPC code data aggregation and information packaging tool), MetaSocialNetworking (aggregating multiple in-site irresolvable profiles in addition to aggregating across all social networking sites), etc.

Advances and acceptance of federated identity are in process, however, user-administered affinity profiles could sidestep and even pave the way for federated identity and single logins.

Being useful is a parameter that should be pushed to the web object level, not imposed on the human user. Objects can become semi self-aware, at minimum finding and knowing of all other web instances of themselves (initially via UPCs) and the parameters there from such as price and availability, and later higher level parameters such as affinity compatibility.

All web content objects (products, services, blog posts, news items, personal profiles, etc.) could become self-aware in the sense of interfacing with affinity profiles and gathering and proffering basic and extended information and recommendations to human users.

Micro-content and MMOG Fantasy Sports Leagues

Conceptually, there are many possible way for technology to re-invent the future of professional sports event viewing and fantasy league sports participation.

1) User-driven event viewing, Tivo 2.0

The growing multitude of professional and amateur video and photo footage of professional athletic events from every angle and time frame could be used to allow user-directed event watching.

For example, in a football game, some viewers want to see the whole field view, some just the 10 yards of current action. Some viewers want to see certain replays from certain angles, some don't. Some viewers wish to see the content at varying levels, e.g.; instructional and coaching viewers want to see the maximum detail (time, angle and zoom) where as recreational viewers might prefer a five-minute highlights summary of the event, or of their favorite players.

Users could tag video micro-content segments and mix and mash their own fan highlights and instructional videos. Users could share their custom views and select those of others; e.g.; the defensive coach's view, the Joe Namath view, the Barry Bonds view (e.g.; how Barry Bonds would customize his view to watch a baseball game), etc.

Status: Data exists, needs applications, including (non-trivial) video search micro-content tagging, preferably via an automated tagging engine


2) Simulated Games using real micro-content mashups

Once all physical-world games are repetitively filmed (think massively multiple YouTube listings), micro-content tagged (e.g.; accessible at varying layers of detail, for example, all the footage of one specific player) and available in one or more web repositories, the micro-content pieces can be mixed, matched and re-run in simulation.

Fantasy league play could explode up to the next level of running game sims mashing footage of how the individual players actually played in concert with their other fantasy league team mates and opponents. Some sort of action reading and mapping would be necessary to make the simulated action make sense. Fantasy league games could be events of their own right and would have their own score outcomes.

Status: Need micro-content auto-tagging first, then a mix and match selection and simulation platform with an algorithm to mash physical-world video content of players from many physical-world "source" games into simulated fantasy league games.


3) Virtual World Sports MMOGs

Another way to mix physical-world content in simulation space would be by having lifelike avatars of the entire NFL, European Soccer League, Women's Volleyball Team, NBA, etc. available for play in metaverse worlds or video games.

Players could select to play one, several or a team of avatar athletes to compete against other players playing other avatars. This would be a tremendous licensing opportunity for athletic leagues, including not just the avatorial video resemblance but also possibly a recorded audio database of athletes' umms, ooofs, grrrs and other sound effects.

Status: Need athletic leagues to realize that multiverse world player representations could complement and in fact might ultimately supersede physical-world licensing opportunities.

Affinity Ratings - New gigg for Digg?

Digg's filtering value is eroding now that it has become mainstream. It is time for YAM (yet another mashup) Web 2.0 style - mashing digg and social networking to deliver the ability to see one's social network's diggs, and more broadly to personalize any variety of filters for digg. Maybe some companies will even present this at Web 2.0 Launch Pad this week.

Del.icio.us has the same "diluted value due to size" challenge, and is including an early social network tool with "my network," however my network is discrete. A better implementation would be filters overlaying the whole site's functionality, allowing users to filter on all, my networks, me, and any other affinity profiles.

Affinity Ratings and Mashups 2.5
Even more useful than mashing up social networks and digg and bookmarking would be adding user-specified Affinity Ratings to digging and tagging. Users could select canned affinity profiles (e.g.; green, sustainable, entrepreneur-posted/created) or create their own - the "Jane Geek Affinity Rating." The easiest implementation of Affinity Ratings would be aggregating tags.

Digg functionality could be expanded to allow personalized affinity ratings on news, and next and more importantly, on non-news items such as products and services.

P2P Finance - Does it work?

$20 million in loans have been funded to date through P2P lending marketplace darling Prosper, not bad given that the site launched publicly less than nine months ago. But is it working? How are these loans performing?

In another victory for transparency (the first being that borrowers willingly consent to having their credit ratings posted publicly), Prosper also makes default statistics publicly available.

Below is a simple analysis comparing Experian default rates by credit tier to the percentage of Prosper loans that are 1+ months late and 3+ months late on a payment.


Although the news appears to be encouraging, since Prosper currently only has 3,372 loans active and billed (below), it is really too early to form definitive conclusions. From this early data, Prosper loans seem to outperform traditional loans in the C, D, E and HR credit tiers, but under-perform traditional loans in the higher credit tiers, AA, A and B. Outliers, potentially fraudulent activity and really just too little data and too short of a track record are influencing these numbers, however it will be interesting to see if the trend can be maintained.

Open-source sexuality. Compersion. Relationships 2.0

The role and function of sex and relationships has already been shifting considerably with modern life (birth control, economic empowerment of women, skyrocketing divorce rates, etc.) and could now be taking an order of magnitude shift as human life spans are increasing and technology and life accelerate.

Now that humans live 80-120 years and possibly forever, it only makes sense that relationships would evolve from the one currently acceptable model, "life-long" monogamy and the antiquated tool of political control, matrimony. What does it mean now anyway, until uploading or suspension do us part?

Physical intimacy, emotional intimacy and companionship can (and in reality do) come from many interpersonal and other sources, both physical world and digital and could be better fulfilled with greater realization of their distinctness. Polyamory, led by the tech-innovative Pacific Northwest, is an interesting alternative model, where the level of communication and personal emotional management required is exemplar. There appears to be an important self-evolution to move beyond jealousy and reap the relationship rewards of polyamory and compersion.

Higher levels of self-actualization may be possible by separating and expanding ideas of physical intimacy, emotional intimacy and companionship which have been traditionally bounded by scarcity, control and artificiality.

The future of sexuality further changes in all aspects of culture when traditional physical reproduction becomes obsolete. Sexuality could be more about authentic agency instead of bartering, obligation, power and status.

Need more widgets – Starbucks Mobile

The Internet is really going to explode when web widgets, badges, open APIs, mash-ups, etc. expand out of the Web 2.0 eco-structure bubble and into the mainstream web and onto the fledgling US mobile computing platform.

A beautiful marriage of smart-phone users and the sanctioned addiction to caffeine would be going to mobile.starbucks.com on the way to the coffee bar.

At mobile.starbucks.com:

1) Tap one of the icons indicating a pre-saved drink combination, e.g.; short decaf soy white mocha no-whip (who wants to say that everyday anyway!) or enter a new beverage combination

2) Tap an icon for one of the pre-saved store locations or select a quick-load nearest store-finder

3) Tap to pay via pre-approved bank or credit card auto-debit.

4) Arrive to coffee bar and pick up drink.

Markets 2.0 - Social Finance. Affinity Markets.

The long tail, smart mobs and social networking are driving the evolution of economics to Markets 2.0. Social networks have been important venues for self-expression and interaction and now, with an increasingly linked online populace, are starting to add a new and important functionality, virtual aggregation for group power, both economic and political.

Two key concepts in Markets 2.0 are Social Finance and Affinity Markets. Social Finance is the virtual aggregation of dozens, hundreds or millions of people for the purpose of conducting an economic transaction. Social Finance is also known as crowd funding and crowd sourcing.

Affinity Markets are marketplaces where transactions can occur based on affinity attributes. Not just is the sweater red, woolen and made in China (legacy attributes) but under what conditions was it made, were renewable materials used, did female entrepreneurs make it (affinity attributes). Affinity Markets are also known as directed capital, cause-based capital and (in online aggregations) virtual affinity groups.

Markets 2.0 have the ability to completely disintermediate traditional financial institutions by providing instantaneous, cheaper, directed capital with more effective results.

What will it be like when people can get their mortgage and home equity loans online from peer finance, when anyone can have a local portfolio manager for commodities in India, when million-member virtual BuyGroups bid for insurance and healthcare services, when synthetic economies nominate and finance virtual candidates for physical world office, when Socially Responsible Debt means that states without measurable social progress cannot get their bond offerings financed?

Read more...

Land Grab on Free Local Voice

Who is not stampeding to AOL to take advantage of free personal local phone numbers with always-on voicemail as part of the firm's roll out of new free services? AOL tops already land-breaking voice services from Skype (free Internet-based call-in and call-out, free conferencing of up to five parties), Google Talk (free Internet-based call-in and call-out) and Yahoo Messenger ($0.02 per minute call out to non-Internet numbers).

Desirable area code phone numbers can be had for a matter of clicks. Phone numbers could proliferate as have email accounts and mobile devices. Bye-bye Ma Bell. Now we are just waiting for ubiquitous wireless broadband networks, oh, and the physical implantation of miniaturized communication devices.

Countdown to 1,000,000 Second Life Residents

Metaverse World leader Second Life barely had 100,000 residents at the beginning of 2006, and enjoyed strong growth in the first half of the year, reaching 300,000 residents at the end of June.

Then Second Life makers Linden Lab changed the registration policy such that no credit card information was required. The world's registered residents began to exponentiate, particularly helped by international residents swelling from 25% to 50% of total residents. Certainly residents do not correspond to unique users, as people may have one or more "alts," alternative avatars.

The Second Life website tracks that about one third of total residents have logged in within the last 60 days and that there are an average of 10,000 residents in-world during Second Life (US Pacific Coast) prime time hours. Private estimates suggest that about 10% of total residents are actually active in-world.

$7 million of transactions were run up by Second Life residents in July and there are a factor of magnitude more SKUs available in Second Life than at Wal-Mart (hello Long Tail).

On its current course, Second Life will reach the million resident mark well before the end of October and probably even before the end of the upcoming weekend. w00t!