Fishpool

To content | To menu | To search

Sunday 17 January 2010

First thoughts about Balancion

I got an invite to the Balancion personal finance application beta a week ago, and have played with it somewhat since. I've tried a few similar tools before, ranging from the finance packages of the banks I've been a customer of, to a few desktop applications. Until now, I haven't been sufficiently impressed by them to continue using any for any significant period, but I think Balancion might be one to stick around for a while.

Balancion solves the two issues my previous experiments have failed at: first, it covers the entirety of my personal accounts (or very close thereof), because it isn't limited to just the services offered by one bank (the failing of Nordea's, Sampo's and OP's packages, at least the last time I tried them), and second, it doesn't force me to spend my evenings manually typing in boring details, thanks to its tools for downloading the data from the banks and other institutions. Of course, that's just table stakes for the game, really, but my previous experiences have shown even that much is not a given in a market the size of Finland. I would imagine larger market areas have had more focus on this type of stuff - American banks seem to advertise compatibility with Quicken or MS Money - or now with Mint, the hottest entry in the area. German banks apparently have a standard for transaction data exchange. None of that has been available to individuals in Finland.

What currently lifts Balancion above the table-stakes minimum is how it deals with "uncategorized" expenses. Other tools allow searching for similar historic transactions and categorizing all of them at once. Balancion applies that to the future as well, and learns to recognise more and more stuff as you go. Setting the books up for the first time does require a few hours of clicking around, but it gets less and less manual as time goes. That's what makes it a joy to use (as much as any financial application can be a joy, that is!)

At this point in the beta, it's a bit limited; just tracking income and expenses, plus a few (quite useful and informative) visualizations of the same, which already can be helpful in recognizing big expense areas and saving money. However, I'm looking forward to seeing more of the budgeting, expense management and investing tools in the service. It's pretty clear how this can develop and where the opportunities for the business lie. The crucial question is, how can Balancion add partnerships and cross-sell features while retaining the trust of the users. Thus far, their communication indicates they understand how important this will be to their success.

I'm not terribly happy about the way Balancion authenticates me, though. The email/password login is standard, though I'd prefer to use OpenID to avoid managing one more password. What really bugs me are the mandatory "security questions", which they require to be able to change the password. Such questions, especially since they were limited to two out of half a dozen pre-selected questions only reduce security (seriously, it does not take much investigating to figure out the maiden name of my mother). If this is what their security advisor Nixu truly has recommended to the team, I'm disappointed in Nixu as well. Anyway, I answered the questions with something random - so now I can't change my password at all. This probably was not what they intended.

For anyone interested in this category of services, I would recommend checking out the venture capital pitch presentation of Mint.com, the US equivalent of Balancion. If you want to try out Balancion yourself, ask me for an invite here in the blog comments or by tweeting @osma.

Thursday 14 January 2010

Technology factors to watch during 2010

Last week I posted a brief review of 2009 here, but didn't go much into predictions for 2010. I won't try to predict anything detailed now either, but here's a few things I think will be interesting to monitor over the year. And no, tablet computing isn't on the list. For fairly obvious reasons, this is focused on areas impacting social games. As a further assist, I've underlined the parts most resembling conclusions or predictions.

 

Social networks and virtual worlds interoperability

As more and more business transforms to use Internet as a core function, the customers of these businesses are faced with a proliferation of proprietary identification mechanisms that has already gotten out of hand. It is not uncommon today to have to manage 20-30 different userid/password pairs that are in regular use, from banks to e-commerce to social networks. At the same time, identity theft is a growing problem, no doubt in large part because of the minimum-security methods of identification.

Social networks today are a significant contributor to this problem. Each collects and presents information about its users that contribute to the rise of identity theft while having their own authorization mechanisms in a silo of low-trustworthy identification methods. The users, on the other hand, perceive little incentive to manage their passwords in a secure fashion. Account hijacking and impersonation is a major problem area to each vendor. The low trust level of individual account data also leads to a low relative value of owning a large user database.

A technology solution, OpenID is emerging and taking hold in a form of an industry-accepted standard for exchanging identity data between an ID provider and a vendor in need of a verified id for their customer. A few of current backers of the standard in the picture on the right. However, changing the practices of the largest businesses has barely begun and no consumer shift can yet be seen – as is typical for such “undercurrent” trends.

OpenID will allow consumers to use fewer, higher-security ids over the universe of their preferred services, which in turn will allow these services a new level of transparent interoperability in combining data from each other in near-automatic, personalized mash-ups via the APIs each vendor can expose to trusted users with less fear of opening holes for account hijacking.

 

Browsers vs desktops: what's the target for entertainment software?

Here's a rough sketch of competing technology streams in terms of two primary factors – ease of access versus the rich experience of high-performance software. “Browser wars” are starting again, and with the improved engines behind Safari 4, Firefox 4, IE 8 and Google Chrome, a lot of the kind of functionalitywe're used to thinking belongs to native software or at best browser plugins like Flash, Java or Silverlight will be available straight in the browser. This for sure includes high-performance application code, rich 2D vector and pixel graphics, video streams and access to new information like location-sensing. The plugins will most likely be stronger at 3D graphics and synchronized audio and at advanced input mechanisms like using webcams for gesture-based control. Invariably, especially the new input capabilities will also bring with them new security and privacy concerns which will not be fully resolved within the next 2-3 years.

While 3D as a technology will be available to browser-based applications, this doesn't mean the web will turn to represent everything as a virtual copy of the physical world. Instead, it's best use will be as a tool for accelerating and enhancing other UI and presentation concepts – think iTunes CoverFlow. For social interaction experiences, a 3-degrees-freedom pure 3D representation will remain a confusing solution, and other presentations such as axonometric “camera in the corner” concepts will remain more accessible. Naturally, they can (but don't necessarily need to) be rendered using 3D tech.

 

Increased computing capabilities will change economies of scale

The history of the “computer revolution” has been about automation changing economies of scale to enable entirely new types of business. Lately we've seen this eg by Google AdWords enabling small businesses to advertise and/or publish ads without marketing departments or involvement of agencies.

The same trend is continuing in the form of computing capacity becoming a utility in Cloud Computing, extreme amounts of storage becoming available in costs which allow terabytes of storage to organizations of almost any size and budget, and most importantly, developing data mining, search and discovery algorithms that enable organizations to utilize data which used to be impossible to analyze as automated business practices. Unfortunately, the same capabilities are available for criminals as well.

Areas in which this is happening as we speak:

  • further types and spread of self-service advertising, better targeting, availability of media
  • automated heuristics-based detection of risky customers, automated moderation
  • computer-vision based user interfaces which require nothing more than a webcam
  • ever increasing size of botnets, and the use of them for game exploits, money laundering, identity theft and surveillance

The escalation of large-scale threats have raised the need for industry-wide groups for exchanging information and best practices between organizations regarding the security relevant information such as new threats, customer risk rating, identification of targeted and organized crime.

 

Software development, efficiencies, bottlenecks, resources

Commercial software development tools and methods experience a significant shift roughly once every decade. The last such shift was the mainstreaming of RAD/IDE-based, virtual-machine oriented tools and the rise of Web and open source in the 90s, and now those two rising themes are increasingly mainstream while “convergent”, cross-platform applications which depend on the availability of always-on Internet are emerging. As before, it's not driven by technological possibility, but by the richness and availability of high-quality development tools with which more than just the “rocket-scientist” superstars can create new applications.

The skills which are going to be in short supply are those for designing applications which can smoothly interface to the rest of the cloud of applications in this emerging category. Web-accessible APIs, the security design of those APIs, efficient utilization of services from non-associated, even competing companies, and friction-free interfaces for end users of these web-native applications is the challenge.

In this world, the traditional IT outsourcing houses won't be able to serve as a safety valve for resources as they're necessarily still focused on serving the last and current mainstream. In their place, we must consider the availability of open source solutions not just as a method for reducing licensing cost, but as the “extra developer” used to reduce time-to-market. And as with any such relationship, it must be nurtured. In the case of open source, that requires participation and contribution back to the further development of that enabling infrastructure as the cost of outsourcing the majority of the work to the community.


Mobile internet

With the launch of iPhone, the use of Web content and 3rd party applications on mobile devices has multiplied compared to previous smart phone generations. This is due to two factors: the familiarity and productivity of Apple's developer tools for the iPhone, and the straightforward App Store for the end-users. Moreover, the wide base of the applications is primarily because of the former, as proven by the wide availability of unauthorized applications already before the launch of iPhone 2.0 and the App Store. Nokia's failure to create such an applications market despite the functionality available on S60 phones for years before the iPhone launch proves this – it was not the features of the device, but the development tools and application distribution platform were the primary factor.

The launch of Google's Android will further accelerate this development. Current Android-based devices lack the polish of iPhone, and the stability gained from years of experience of Nokia devices, yet the availability of development tools will supercharge this market, and the next couple of years will see accelerated development and polish cycle from all parties. At the moment, it's impossible to call the winner on this race, though.

Monday 4 January 2010

Happy 2010 - it's review time

I was happily snowboarding and skiing (the latter for the first time in two decades) last week, so here comes the year-end review a week late. Last year, I harped on Facebook's closed nature, and over the the year they've tried to open more of the users' data over to the Internet. Still, there are no decent APIs for a user to pull out everything they've posted to Facebook to have their own copy, though. That doesn't seem to stop them from dominating the Internet for the time being, though, so good for them.

I'm trying to think of what would have surprised me over the year, but given I failed to make many accurate predictions myself, things just seemed to happen in pretty natural direction. Oracle's Sun acquisition over in April was a bit of a surprise at the time, but since then, I've grown to appreciate how it might make sense for Oracle. However, what still baffles me is that EC is going along with Monty's campaign of blocking the completion of that acquisition. Look, guys - the entire world does not need to agree on a commercial transaction in order for one to go through! MySQL is not the important thing here overall, Java is.

We managed to complete a few of major transitions for Habbo, most notably replacing the Shockwave client which was getting a bit long in the tooth with an all-new Flash-based Habbo Hotel and integrating Habbo with Facebook and other social networks. I didn't write about either of those launches here at the time, but these are pretty huge things for us because they make approaching Habbo much easier for a new user, and enable us to create all kinds of interesting features that would not have made sense previously.

So, what do I expect from 2010? Well, did the mobile Internet already happen? If not, at least it has a fighting chance this year. I'm having a hard time identifying any people close to me who're not using some Internet services on their phone by now, and some seem to be doing that almost exclusively on a phone. That must mean the rest of the world is close on their heels. As for more predictions, others have taken care of them by now.

One promise I can make is to try to do my part in making the Internet more fun and more social. At least now that even newspapers are beginning to think that asking their readers for money is not just a utopia, we can focus on the apps themselves, not whether they're ad-supportable.

Have a great year MMX!

Tuesday 8 December 2009

The balance of great products and rapid evolution

I wanted to link to Andrew Chen's recent article, Does every startup need a Steve Jobs, because it's a useful discussion about the differences between technical feasibility, design-led desirability, and business viability, a triplet productized by IDEO, and one that we also identified a decade ago at Razorfish (wow, it's really a decade ago!). As for the question in the title - no, I don't think that's the only way to create greatness, though clearly if you have Steve at your disposal, you could do worse than have him run everything. :)

Seriously though, at least in this consumer-targeted software business that I'm familiar with, it's crucially important to have those three principles well represented at every level of the business. Sure, it's possible to create a successful business with just two or perhaps even just one of those viewpoints, especially if you can get away with copying someone else but just doing it with better economics. However, to create something new and be successful, it'd be a mistake to ignore business, technology or design. Sadly, of the three, design is the one most commonly ignored. According to this interview of Ken Auletta of his new book, even Google ignores it, Marissa Mayer notwithstanding.

Anyway, what I'm particularly interested about is how can you marry great design with incremental, rapid iterations on the market. I'm pretty sure I've understood how to iterate out in the open with regards to technical work, and relatively comfortable with iteration regarding business aspects. I've yet to come up with a really convincing argument for iteration and design on a very granular basis - well, I can convince myself, but I'm having less success convincing designers. :) If anyone cares to share their secrets, I'd love to hear more.

Monday 23 November 2009

Notes about Fedora 12

Another six months, another Fedora release. Apparently I still couldn't resist the temptation of upgrading, given I got a few days of flu-related downtime. Happy to report it's a pretty smooth release, with most things in the expected places:

  • GNOME is a tiny bit cleaner than it used to be, which is as expected, given that's what it's been doing for the last 5 releases. Apparently next time it'll be something completely different. I don't know if I should be excited or apprehensive about that..
  • PulseAudio continues to improve - however, I could swear I've successfully used a Bluetooth headset with Skype earlier, and now audio gets stuck if I pair a headset. That's not the most typical use case, of course, and for the most part, audio no longer sucks on Linux. Too bad my laptop's built-in microphone does suck (don't know if that's with Linux or in general), so I do need a headset to make Skype calls.
  • Apparently Empathy is approaching a usable IM now that it's made the default. Still slightly prematurely, IMO, and I will continue to use Pidgin with all its warts for the time being.
  • OpenOffice still works as expected, which is to say, slowly, but reasonably predicably.
  • I can get rid of many of the hacks I've done to make multihead work as I like without setting it up every time, because now Xorg does that by default. Yippee!
  • Evolution still continues to gain one or two major regressions per release, and lose none of the earlier. The tally now seems to be: brken live search, fkdup IMAP sync, scrwy calendaring, and, as an additional feature, automatically selecting the wrong recipient address out of several available emails despite being repeatedly told otherwise. Seriously, the thing needs to be taken behind the shed and shot to the head. And I need to find a decent email program. Thunderbird 2 wasn't that - and 3 still isn't done. Sigh.
  • Google Chromium is about 10x faster than Firefox, and by far the easiest way to install a 32 bit browser (working Flash!) on a 64 bit OS (I should probably reinstall to 32 bits all around, this bits thing doesn't help me do anything better).
That concludes my "yes, I'm a Linux geek" postings for the next six months, I guess. :)

Wednesday 11 November 2009

MySQL - could we please move on already?

I've kept away from this debate since last April, but this eternal dragging-on is getting to me. Could we please move on already regarding the Oracle-Sun-MySQL decision? I'm a customer of MySQL, and I don't really savor the idea of becoming a customer of Oracle. Even so, I'd much rather see Oracle own it, than leave it straggling, let alone see this process drag on and on. This is helping no one.

I'm using a product from a company from which I buy commercial support, but I could switch to using a binary-compatible Open Source tool any day I chose. I am not bound to remaining a customer of the company I'm buying support from for any period longer than the current contract. I can definitely live with that obligation. I can live with the OSS-tool (whether we want to call it MySQL Community, Percona, MariaDB or whatever, I don't care) instead of the commercial product - in fact, I'm getting the understanding that the OSS-tool may in fact be better suited to my requirements than the product. So, I have no issue being bound Oracle, should the merger go through, because I am not bound to them. I can see as much interesting related technology being developed outside the discussed commercial unit as inside it, so I'm certainly not worried about the future of the tech.

At this point in time, I could buy support from at least a couple of different organizations to replace and extend that which I've bought from MySQL/Sun. I have absolutely no reason to think that option would go away should the merger be approved, despite what certain founders now claim. If it's not commercially possible to develop and support a database product without being in full control over its copyright, then how come Percona has a business? If it's possible to provide such support for GPL software on a limited basis, but not on a big-business enterprise level, then how come Red Hat is a successful public company?

I use MySQL as an infrastructure component to run a business which could be described as software-as-a-service. I do not redistribute the code base as part of a licensed product. There are companies who do that, but they've always done it with the full understanding that what they're doing is dependent on having to license something from an independent party over which they have no control. If they don't like licensing from Oracle, then they can choose to re-engineer their solution to work on top of some other database engine. It's not like those don't exist, or like technology, licensed or not, hasn't always carried that risk with it.

I can't avoid thinking that some of the parties keeping this thing from reaching completion are dreaming of Skype -- selling the same business twice. Hey, more power to them if that happens, but frankly, that was dependent on Ebay making a stupid deal at the time. I just do not see what that has to do with anti-trust and why the European Commission needs to be involved. THIS is hurting the market, more so that Oracle is likely to.

I have nothing further on the matter. Thank you for your attention.

Sunday 8 November 2009

Nice going for Bobba Bar -

What a fun end of the week! Bobba Bar, our virtual world app for mobiles just launched this Thursday on iPhone having been available (in a slightly different form) for Nokia S60 devices for a few months. Four days later it's (at least in Finland where I'm looking at it) the top social networking app (ahead of Facebook, Skype and others) and the 3rd highest ranked free app in general. Great launch performance! Get yours from Bobba.com, or if you don't have a compatible phone, check out the Facebook group for Bobba Bar. Oh, and post here or in Facebook where you see Bobba in your local App Store listings!

Sunday 1 November 2009

Creating your very own Habbo site

So, I mentioned an idea of relaunching Mobiles Disco in celebration of 10 years of Habbo history. It's actually super-easy to do so. We've created a similar space in Habbo, and with the embed functionality launched last month, setting up a web site with your own rooms is no trouble at all, and the only tools required are just two browser windows while you're working on it. Here's how..

Come up with a theme. I'm just going to use the existing Old Skool rooms, but go wild with your own idea!

Create the rooms in Habbo. Again, I got mine pre-created, but since you can do pretty much anything with your own Habbo spaces, the sky's the limit to what can be done. And with Teleport furni, you can create a complete world if you want to...

Go back to the first room you want start your site from. You'll see a small window at the bottom left corner with instructions for "embed this room". Copy the code from that window, and paste it somewhere for safe-keeping for a moment.

Next, you'll set up the web site for your own Habbo to live on. I'm going to use the Google Sites creator for this particular effort, since it's pretty easy to use. You'll need a name for the site, and decide on, or make your own background theme. I went with a retro theme for this particular one..

The Site will begin with just one page on it. Edit the page, and go into "source code" mode. In Google Sites, this is the "HTML" button at the right end of the toolbar. Paste the embed code you copied from Habbo here and save the page.

Google Sites editor will turn the code into a Google Gadget. Other site creators may work slightly differently. The Gadget is easy to tweak though, so this is pretty nice. Clicking on the gadget pops up a small edit menu, where I can choose to center the gadget, and click on Properties to make it a bit larger (960x720 instead of 800x540 to use my screen better), and turn off the title.

That's it! This simple creation took 10 minutes to do, and 30 to write the instructions for. I'm sure you can do a better one, though. Tweet me about yours, and I'll come and check it out!

Habbo, soon ten years old, still the leader

According to Nic Mitham at KZero, Habbo was the fastest growing virtual world for another quarter. Thanks, Nic! One thing though:

Although it’s the Grand-Daddy of the sector, Habbo continues to show dominance in the virtual worlds sector from a user acquisition perspective

Grand-daddy? Sheesh, Habbo hasn't even got to its pre-teen years, let alone have kids! Lets talk about that another ten years later :) Seriously though, Mobiles Disco, which preceded Habbo by a few months is now ten years old. I'm thinking we should relaunch the Disco..

Saturday 3 October 2009

Some scaling observations on Infobright

A couple of days ago, Baron Schwartz posted some simple load and select benchmarking of MyISAM, Infobright and MonetDB, which Vadim Tkachenko followed up with a more realistic dataset and interesting figures where MonetDB beat Infobright in most queries.

Used to the parallel IEE loader, I was surprised by the apparent slow loading speed of Baron's benchmark and decided to try and replicate it. I installed Infobright 3.2 on my laptop (see, this is very unscientific) and wrote a simple perl script to generate and load an arbitrarily large data set resembling Baron's description. I'm not going to post my exact numbers, because this installation is severely resource-constrained below Infobright's recommended smallest installation. However, you can reproduce the results yourself with the attached script, and I will note some observations.

Continue reading...

- page 1 of 21