redesign | transport: Uber’s transportation revolution is part of something much bigger

Uber has revolutionized urban transportation in the past two years. The change, so far, is just the tip of the iceberg.

Uber and other alternative transportation providers such as DriveNow, car2go and more than a dozen bike-sharing services will combine with public transportation to completely reinvent the urban core.

Among the changes we can expect in urban cores:

  • Less congestion.
  • Fewer people circling for parking.
  • Parking lots becoming much less valuable, and the spaces being put toward more valuable uses.

car2go is a service that allows one-way car rentals within a city. Instead of having to return a car where you found it, which is the case with Zipcar, you return it to a designated zone and metered parking is included. At 41 cents a minute, the cost is often competitive with public transportation. In the United States, car2go operates in Seattle, Portland, Austin, San Diego, Denver, Los Angeles, Washington, D.C., and a few other cities. It doesn’t operate in San Francisco because of the city’s refusal to grant the company the necessary permits.

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Target’s new in-store tablets miss the bullseye

Target has a history of trying to keep their stores fresh, with user experiences and industrial design that is cohesive and friendly. They don’t always succeed, but the latest changes have been interesting, as Target upgrades their in-store price check experience. It’s important to focus on delivering the features people need, and not more.

One area where Target is trying to improve the user experience is the price check scanners that are placed around the stores, usually at the end of aisles, next to a red phone.

Target is no stranger to technology. They use iPod touch in custom cases with barcode scanners built in to manage inventory and print tags for the shelf with a wirelessly paired printer.

iPod touch with scanner
iPod touch with scanner
Wireless label printer
Wireless label printer

Continue reading “Target’s new in-store tablets miss the bullseye”

redesign | travel: Amex tries to reinvent the airport lounge

The phrase “airport lounge” can mean very different things, depending on what country’s flag flies at the airport in question.

Centurion Lounge SFO entranceIn Europe and Asia, many lounges are indulgent retreats with hot food and complimentary top-shelf wine, beer and booze. In the United States, they generally stop at free snacks and rail drinks — but anybody can buy a membership, instead of that privilege being reserved for premium-cabin and exceptionally frequent flyers.

American Express’s small network of Centurion Lounges (Las Vegas, Dallas-Fort Worth, LaGuardia and San Francisco, with Miami coming this spring) aim to bridge that gap. They offer the cuisine and cocktails of a lounge you might find at Heathrow or Frankfurt at roughly the price of an American Airlines Admirals Club, Delta Sky Club, or United Club membership — with an Amex Platinum card included.

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redesign | journalism: Why the Dow Jones Industrial Average is a terrible metric

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It’s the number that we hear about the most when journalists talk about the economy: the Dow. What is the Dow exactly? It’s a basket of 30 stocks. The full name, which we rarely hear, is the Dow Jones Industrial Average. It reflects 30 companies, which are supposed to be representative of the economy.

Today, these 30 stocks are hardly representative of the economy. Only recently was Apple added to the Dow. Apple is so big that its market capitalization exceeds that of the eight lowest value Dow companies combined. Service businesses have become so big that only eight of the stocks in the Dow Jones Industrial Average are actually industrial companies.

It’s great marketing for Dow Jones & Co. (now owned by News Corp., which also owns Fox News and the Wall Street Journal).

A better, broader metric of the economy is the S&P 500.

There’s another, more important, reason why journalists should focus on Standard & Poor’s 500: Its performance directly affects the well-being of many Americans. A lot of us invest (through retirement plans) in index funds that seek to replicate the performance of the S&P 500.

The Dow gets more glory, but the S&P 500 is what matters.
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redesign | legal: Corporations have the right to strip consumers of their rights. Sound fair to you?

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Nearly four years ago, in a case called AT&T Mobility LLC v. Concepcion¸ the Supreme Court ruled 5-4 that the Federal Arbitration Act of 1925 preempts any state law that prohibits a contract from barring class-wide arbitration. That dense bit of legalese essentially means that any corporation can take away your right to sue them in court, and instead force arbitration of your dispute. Not only that, but you can only arbitrate the dispute as to your claim alone — you cannot include any other people who may have been harmed by the same conduct.

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Why the American Express mobile app is one of the best in fintech

I love the American Express mobile app for one big reason: it turns boring credit card data into visual, actionable information.

Whereas many apps just show you your transactions in a manner not much different from your monthly statement, AmEx lets you analyze transactions.IMG_0006

You can see some of the tools above. And it’s not just pretty charts. Continue reading “Why the American Express mobile app is one of the best in fintech”

A human-centric approach to design is what makes this page great

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Easy passwords

There are a couple of things that I really like about this site.

The first is the use of easy, human readable passwords. Where some companies use complex order numbers, sometimes 20 or more random alphanumeric characters, this site uses words that will stick in your head. What would you rather say to a customer service agent: miffed-wispy-crab or JKS421DA9oC?

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Facebook and peer-to-peer payments

Facebook’s upcoming move into peer-to-peer payments brings it into a crowded field. The most obvious competitors are Square Cash, PayPal’s Venmo and PayPal itself. There are also competitors on the bank side, including Popmoney and Chase QuickPay.

Clearly Facebook is in a strong position to dominate the space. But with a near universal user base in the United States, that could be said about any space Facebook enters.

Facebook Payments will leverage the Messenger product and let people send money back-and-forth while messaging each other. Instead of using ACH, the system uses debit cards. (Just like Square Cash.)

Some of the big questions are: Continue reading “Facebook and peer-to-peer payments”

redesign | transport: Brilliant move by metromile to offer special Uber insurance

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The insurance industry has been slow in adapting to the new economy. Companies like Uber and Airbnb challenge the traditional delineations in insurance: personal vs. business use.

Personal insurance is designed to cover non-commercial use. If you, your friends and family are the only ones using your property, the risk is lower than if a bunch of strangers come and go. If you’re driving your car alone, the risk is lower than if you’re transporting a passenger. As a result, personal lines are cheaper.

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