The Next Big Thing

We’ve now had the iPad a few months and people are already asking, “What’s next?” While the rumors of a touchscreen iMac make me giggle, I don’t give them much stock. Apple is not in the habit of releasing products simply because they can. Everything is part of the big story. I was reminded of this when Steve introduced the iPad and spent so much time talking about exactly where it fits in the product line.

After the iPhone was released, we knew in our guts a tablet was coming and had our fun speculating when it would arrive and how it would work. There is no obvious next big thing now. Some may argue the next big thing is a fresh crack at the AppleTV. While that may be in the works, I don’t see it as the next big thing.

Indeed, I don’t think the next big thing is hardware related at all. Apple’s next big move needs to be the cloud. They have now loaded our bags and homes with Apple devices. They need to come up with a way to glue them together. That glue is cloud-based content.

While Apple has toyed with cloud storage and synchronization, they haven’t really taken the problem on. Times are changing though. Storage and bandwidth are increasingly available and inexpensive. The general population is becoming more comfortable with cloud based data storage. The corker is that Apple is now less willing to sit back and let Google control online data storage and synchronization.

Granted Google is ahead of Apple, it not as far ahead as some may think. The Google lifestyle is, currently, the domain of geeks. The Google online interfaces feel clunky and cryptic to mere mortals. Google has no experience delivering products to consumers and it shows.

In short, the time is right for Apple to step in. Apple’s genius is its ability to take an existing technology and make it stupid easy for everyone. Forget about anyone reading this blog. I’m talking about people who don’t even know what the term “cloud storage” means. The other 95%.

Apple’s next big thing needs to be a dead simple online storage solution. Something where all of your iTunes media, documents, pictures, and data exist in the cloud. A solution that allows you to go into the Apple store, buy an iPad, log into the Apple servers and have all of your data. Implementation will be so easy that typical users will not even realize exactly what is going on. They’ll just know it works.

Apple already has most of the pieces to make this work. They can build a user friendly interface. They can deliver it to the masses. The only missing piece is the ability to push the data. MobileMe certainly hasn’t proven this ability. There is a lot of talk about mystery server farms that may be the missing piece.

I have no idea what Steve will announce tomorrow but if Apple is going to stay in this game, the next big thing needs to be in the cloud.

16 Comments The Next Big Thing

  1. louistrapani@gmail.com

    The cloud has to be a consideration. We have seen Apple make some improvements in that direction lately with their services over the last year. From push notifications to improvements to their MobileMe service, and now there are rumors of a new Apple TV design based on the iPhone OS which rely heavily on streaming (presumably over the cloud) with only 16GB of flash memory storage on board.

    It would make sense if Apple went even further with incorporating their hardware with cloud services, and even including some of it as part of their hardware (especially mobile devices) instead of an extra pay service as it is now.

    As long as it’s not all cloud or nothing. While I still use cloud services, and I can’t imagine getting much done without some sort of internet access these days. I still utilize local media storage a great deal and would not be comfortable having it all in the cloud without it at least being duplicated locally.

    Though with all that said, it makes this the most unfitting time now for AT&T to drop their unlimited data plans.

    Reply
  2. louistrapani@gmail.com

    The cloud has to be a consideration. We have seen Apple make some improvements in that direction lately with their services over the last year. From push notifications to improvements to their MobileMe service, and now there are rumors of a new Apple TV design based on the iPhone OS which rely heavily on streaming (presumably over the cloud) with only 16GB of flash memory storage on board.

    It would make sense if Apple went even further with incorporating their hardware with cloud services, and even including some of it as part of their hardware (especially mobile devices) instead of an extra pay service as it is now.

    As long as it’s not all cloud or nothing. While I still use cloud services, and I can’t imagine getting much done without some sort of internet access these days. I still utilize local media storage a great deal and would not be comfortable having it all in the cloud without it at least being duplicated locally.

    Though with all that said, it makes this the most unfitting time now for AT&T to drop their unlimited data plans.

    Reply
  3. louistrapani@gmail.com

    The cloud has to be a consideration. We have seen Apple make some improvements in that direction lately with their services over the last year. From push notifications to improvements to their MobileMe service, and now there are rumors of a new Apple TV design based on the iPhone OS which rely heavily on streaming (presumably over the cloud) with only 16GB of flash memory storage on board.

    It would make sense if Apple went even further with incorporating their hardware with cloud services, and even including some of it as part of their hardware (especially mobile devices) instead of an extra pay service as it is now.

    As long as it’s not all cloud or nothing. While I still use cloud services, and I can’t imagine getting much done without some sort of internet access these days. I still utilize local media storage a great deal and would not be comfortable having it all in the cloud without it at least being duplicated locally.

    Though with all that said, it makes this the most unfitting time now for AT&T to drop their unlimited data plans.

    Reply
  4. louistrapani@gmail.com

    The cloud has to be a consideration. We have seen Apple make some improvements in that direction lately with their services over the last year. From push notifications to improvements to their MobileMe service, and now there are rumors of a new Apple TV design based on the iPhone OS which rely heavily on streaming (presumably over the cloud) with only 16GB of flash memory storage on board.

    It would make sense if Apple went even further with incorporating their hardware with cloud services, and even including some of it as part of their hardware (especially mobile devices) instead of an extra pay service as it is now.

    As long as it’s not all cloud or nothing. While I still use cloud services, and I can’t imagine getting much done without some sort of internet access these days. I still utilize local media storage a great deal and would not be comfortable having it all in the cloud without it at least being duplicated locally.

    Though with all that said, it makes this the most unfitting time now for AT&T to drop their unlimited data plans.

    Reply
  5. louistrapani@gmail.com

    The cloud has to be a consideration. We have seen Apple make some improvements in that direction lately with their services over the last year. From push notifications to improvements to their MobileMe service, and now there are rumors of a new Apple TV design based on the iPhone OS which rely heavily on streaming (presumably over the cloud) with only 16GB of flash memory storage on board.

    It would make sense if Apple went even further with incorporating their hardware with cloud services, and even including some of it as part of their hardware (especially mobile devices) instead of an extra pay service as it is now.

    As long as it’s not all cloud or nothing. While I still use cloud services, and I can’t imagine getting much done without some sort of internet access these days. I still utilize local media storage a great deal and would not be comfortable having it all in the cloud without it at least being duplicated locally.

    Though with all that said, it makes this the most unfitting time now for AT&T to drop their unlimited data plans.

    Reply
  6. Gesmithmd2@gmail.com

    Hi David,

    I agree with you one hundred per cent.
    I am excited about having a "no wrong door" policy soon, so that any time I need to access my apps or data, I will be able to use my MacBook, iPhone, iPad, or other device to get at what I need seamlessly and with ease. The ability to really use data to work, play, share, and experience new things is where the world is headed. You are right in that most people don’t really care how that works as long as it DOES work. Apple, with all its worms, is the perfect company to make that happen.
    Thanks for your excellent work. I really enjoy listening to you and Katie and have learned a lot from you. You have also made me spend way too much money on new apps and other cool stuff, but I won’t hold that against you.
    See you around Twitter and other online haunts.
    Happy WWDC day!

    Greg

    Reply
  7. Gesmithmd2@gmail.com

    Hi David,

    I agree with you one hundred per cent.
    I am excited about having a "no wrong door" policy soon, so that any time I need to access my apps or data, I will be able to use my MacBook, iPhone, iPad, or other device to get at what I need seamlessly and with ease. The ability to really use data to work, play, share, and experience new things is where the world is headed. You are right in that most people don’t really care how that works as long as it DOES work. Apple, with all its worms, is the perfect company to make that happen.
    Thanks for your excellent work. I really enjoy listening to you and Katie and have learned a lot from you. You have also made me spend way too much money on new apps and other cool stuff, but I won’t hold that against you.
    See you around Twitter and other online haunts.
    Happy WWDC day!

    Greg

    Reply
  8. Gesmithmd2@gmail.com

    Hi David,

    I agree with you one hundred per cent.
    I am excited about having a "no wrong door" policy soon, so that any time I need to access my apps or data, I will be able to use my MacBook, iPhone, iPad, or other device to get at what I need seamlessly and with ease. The ability to really use data to work, play, share, and experience new things is where the world is headed. You are right in that most people don’t really care how that works as long as it DOES work. Apple, with all its worms, is the perfect company to make that happen.
    Thanks for your excellent work. I really enjoy listening to you and Katie and have learned a lot from you. You have also made me spend way too much money on new apps and other cool stuff, but I won’t hold that against you.
    See you around Twitter and other online haunts.
    Happy WWDC day!

    Greg

    Reply
  9. Gesmithmd2@gmail.com

    Hi David,

    I agree with you one hundred per cent.
    I am excited about having a "no wrong door" policy soon, so that any time I need to access my apps or data, I will be able to use my MacBook, iPhone, iPad, or other device to get at what I need seamlessly and with ease. The ability to really use data to work, play, share, and experience new things is where the world is headed. You are right in that most people don’t really care how that works as long as it DOES work. Apple, with all its worms, is the perfect company to make that happen.
    Thanks for your excellent work. I really enjoy listening to you and Katie and have learned a lot from you. You have also made me spend way too much money on new apps and other cool stuff, but I won’t hold that against you.
    See you around Twitter and other online haunts.
    Happy WWDC day!

    Greg

    Reply
  10. Gesmithmd2@gmail.com

    Hi David,

    I agree with you one hundred per cent.
    I am excited about having a "no wrong door" policy soon, so that any time I need to access my apps or data, I will be able to use my MacBook, iPhone, iPad, or other device to get at what I need seamlessly and with ease. The ability to really use data to work, play, share, and experience new things is where the world is headed. You are right in that most people don’t really care how that works as long as it DOES work. Apple, with all its worms, is the perfect company to make that happen.
    Thanks for your excellent work. I really enjoy listening to you and Katie and have learned a lot from you. You have also made me spend way too much money on new apps and other cool stuff, but I won’t hold that against you.
    See you around Twitter and other online haunts.
    Happy WWDC day!

    Greg

    Reply
  11. Julie K

    They need Dropbox like reliability, security and ease of use. The need for cloud based data access really becomes apparent with the iPad. I also agree that it is the worst time for AT&T to discontinue unlimited data, especially on the iPad3G- less then 60 days after I purchased it with the idea of using unlimited a few times a year on an as-needed basis.

    Reply
  12. wafaulkner@kutro.com

    I have the next big idea for Apple and I can assure you no one has thought of this new cloud concept.

    A New Frontier: Monetization As A Service

    Cloud computing is the next big thing in the IT and digital world and it will have a profound effect on every thing accomplished through an internet connection. It is hard to imagine anyone using the internet whether it be for personal use, e-commerce or business that will not benefit from the advent of cloud computing.

    Cloud computing has three basic classifications: Software as a service (SaaS), Platform as a service (PaaS) and Infrastructure as a service (IaaS)

    Software as a service provides flexibility and huge cost savings by virtually eliminating the need for on premise software and a huge capital outlay for software, hardware and IT services. The software will be accessed from a cloud environment hosted on third party servers.

    Platform as a service enables developers to build applications using a wide array of developer tools out in the cloud. This is the ultimate frontier for developers enhancing creativity, production, speed, networking, deployment and cost savings.

    Infrastructure as a service are the data centers that will in effect house the servers that create the environment where multiple virtualized operating systems, cloud and IT services can run on one server on a pay as needed basics. Huge cost savings are gained by data centers using less energy, manpower and servers operating in a shared environment.

    In the future the three main end user categories may simply be: B-Cloud business , G-Cloud government and C-Cloud consumers

    What is cloud computing? Internet computing use along with services and software over an online protocol. The services will be accessed over the internet and the cloud is a metaphor for the internet.

    Mainly cloud computing is a new Information Technology business shift to obtain and offer software, application platforms and data infrastructure services over the internet. This is not a fad and it is a major push as well as a cost savings initiative that most companies will soon embrace economically. Most of what cloud computing is all about is not readily understood by consumers today and this is predicted to change rapidly as this new concept unfolds. However consumers will experience and appreciate the flexibility and the online cost savings passed on to consumers by businesses using the cloud computing model.

    The economic landscape requires a ramping up effect instrumental in introducing consumers to a new credit score auctioning and bidding platform designed with consumers in mind. Consumers can embrace a new innovative initiative a digital consumer cloud (C-Cloud).

    Monetization-as-a-Service (MaaS) consumers can access online the monetization as a service application through the control panel. It is easy to sign up and register for the new service. A forth coming mobile app will make this even easier for consumers on the go using their smart phones.

    Monetization: to give the character of money to; convert into money

    Gain control of your valued credit using monetization and realize its financial benefit and overall monetary worth in the marketplace. Through credit transactions businesses of all types monetize consumers credit to harvest profits and financial gain. In the world today this is revered as commerce or the act of doing business as well as making money through credit and interest rate transactions.

    Here is an astounding revelation. Consumers can now reverse the business monetization process and use the same principles to save money and interest making their own individual monetized credit transactions. Place your credit score out for bidding in the marketplace and stop allowing others to monetize your credit to your disadvantage causing you the consumer to settle for high interest rates based on your credit score.

    The next evolution in the credit monetization process will enable consumers to use their smart phones to scan barcodes and immediately upload the product into the credit score auctioning and bidding platform to monetize their credit for a lower interest rate prior to making a purchase of a big ticket item. This will level the credit score playing field, empower consumers and bring interest rate cost savings into play with every consumer credit transaction.

    Reply
  13. wafaulkner@kutro.com

    I have the next big idea for Apple and I can assure you no one has thought of this new cloud concept.

    A New Frontier: Monetization As A Service

    Cloud computing is the next big thing in the IT and digital world and it will have a profound effect on every thing accomplished through an internet connection. It is hard to imagine anyone using the internet whether it be for personal use, e-commerce or business that will not benefit from the advent of cloud computing.

    Cloud computing has three basic classifications: Software as a service (SaaS), Platform as a service (PaaS) and Infrastructure as a service (IaaS)

    Software as a service provides flexibility and huge cost savings by virtually eliminating the need for on premise software and a huge capital outlay for software, hardware and IT services. The software will be accessed from a cloud environment hosted on third party servers.

    Platform as a service enables developers to build applications using a wide array of developer tools out in the cloud. This is the ultimate frontier for developers enhancing creativity, production, speed, networking, deployment and cost savings.

    Infrastructure as a service are the data centers that will in effect house the servers that create the environment where multiple virtualized operating systems, cloud and IT services can run on one server on a pay as needed basics. Huge cost savings are gained by data centers using less energy, manpower and servers operating in a shared environment.

    In the future the three main end user categories may simply be: B-Cloud business , G-Cloud government and C-Cloud consumers

    What is cloud computing? Internet computing use along with services and software over an online protocol. The services will be accessed over the internet and the cloud is a metaphor for the internet.

    Mainly cloud computing is a new Information Technology business shift to obtain and offer software, application platforms and data infrastructure services over the internet. This is not a fad and it is a major push as well as a cost savings initiative that most companies will soon embrace economically. Most of what cloud computing is all about is not readily understood by consumers today and this is predicted to change rapidly as this new concept unfolds. However consumers will experience and appreciate the flexibility and the online cost savings passed on to consumers by businesses using the cloud computing model.

    The economic landscape requires a ramping up effect instrumental in introducing consumers to a new credit score auctioning and bidding platform designed with consumers in mind. Consumers can embrace a new innovative initiative a digital consumer cloud (C-Cloud).

    Monetization-as-a-Service (MaaS) consumers can access online the monetization as a service application through the control panel. It is easy to sign up and register for the new service. A forth coming mobile app will make this even easier for consumers on the go using their smart phones.

    Monetization: to give the character of money to; convert into money

    Gain control of your valued credit using monetization and realize its financial benefit and overall monetary worth in the marketplace. Through credit transactions businesses of all types monetize consumers credit to harvest profits and financial gain. In the world today this is revered as commerce or the act of doing business as well as making money through credit and interest rate transactions.

    Here is an astounding revelation. Consumers can now reverse the business monetization process and use the same principles to save money and interest making their own individual monetized credit transactions. Place your credit score out for bidding in the marketplace and stop allowing others to monetize your credit to your disadvantage causing you the consumer to settle for high interest rates based on your credit score.

    The next evolution in the credit monetization process will enable consumers to use their smart phones to scan barcodes and immediately upload the product into the credit score auctioning and bidding platform to monetize their credit for a lower interest rate prior to making a purchase of a big ticket item. This will level the credit score playing field, empower consumers and bring interest rate cost savings into play with every consumer credit transaction.

    Reply
  14. wafaulkner@kutro.com

    I have the next big idea for Apple and I can assure you no one has thought of this new cloud concept.

    A New Frontier: Monetization As A Service

    Cloud computing is the next big thing in the IT and digital world and it will have a profound effect on every thing accomplished through an internet connection. It is hard to imagine anyone using the internet whether it be for personal use, e-commerce or business that will not benefit from the advent of cloud computing.

    Cloud computing has three basic classifications: Software as a service (SaaS), Platform as a service (PaaS) and Infrastructure as a service (IaaS)

    Software as a service provides flexibility and huge cost savings by virtually eliminating the need for on premise software and a huge capital outlay for software, hardware and IT services. The software will be accessed from a cloud environment hosted on third party servers.

    Platform as a service enables developers to build applications using a wide array of developer tools out in the cloud. This is the ultimate frontier for developers enhancing creativity, production, speed, networking, deployment and cost savings.

    Infrastructure as a service are the data centers that will in effect house the servers that create the environment where multiple virtualized operating systems, cloud and IT services can run on one server on a pay as needed basics. Huge cost savings are gained by data centers using less energy, manpower and servers operating in a shared environment.

    In the future the three main end user categories may simply be: B-Cloud business , G-Cloud government and C-Cloud consumers

    What is cloud computing? Internet computing use along with services and software over an online protocol. The services will be accessed over the internet and the cloud is a metaphor for the internet.

    Mainly cloud computing is a new Information Technology business shift to obtain and offer software, application platforms and data infrastructure services over the internet. This is not a fad and it is a major push as well as a cost savings initiative that most companies will soon embrace economically. Most of what cloud computing is all about is not readily understood by consumers today and this is predicted to change rapidly as this new concept unfolds. However consumers will experience and appreciate the flexibility and the online cost savings passed on to consumers by businesses using the cloud computing model.

    The economic landscape requires a ramping up effect instrumental in introducing consumers to a new credit score auctioning and bidding platform designed with consumers in mind. Consumers can embrace a new innovative initiative a digital consumer cloud (C-Cloud).

    Monetization-as-a-Service (MaaS) consumers can access online the monetization as a service application through the control panel. It is easy to sign up and register for the new service. A forth coming mobile app will make this even easier for consumers on the go using their smart phones.

    Monetization: to give the character of money to; convert into money

    Gain control of your valued credit using monetization and realize its financial benefit and overall monetary worth in the marketplace. Through credit transactions businesses of all types monetize consumers credit to harvest profits and financial gain. In the world today this is revered as commerce or the act of doing business as well as making money through credit and interest rate transactions.

    Here is an astounding revelation. Consumers can now reverse the business monetization process and use the same principles to save money and interest making their own individual monetized credit transactions. Place your credit score out for bidding in the marketplace and stop allowing others to monetize your credit to your disadvantage causing you the consumer to settle for high interest rates based on your credit score.

    The next evolution in the credit monetization process will enable consumers to use their smart phones to scan barcodes and immediately upload the product into the credit score auctioning and bidding platform to monetize their credit for a lower interest rate prior to making a purchase of a big ticket item. This will level the credit score playing field, empower consumers and bring interest rate cost savings into play with every consumer credit transaction.

    Reply
  15. wafaulkner@kutro.com

    I have the next big idea for Apple and I can assure you no one has thought of this new cloud concept.

    A New Frontier: Monetization As A Service

    Cloud computing is the next big thing in the IT and digital world and it will have a profound effect on every thing accomplished through an internet connection. It is hard to imagine anyone using the internet whether it be for personal use, e-commerce or business that will not benefit from the advent of cloud computing.

    Cloud computing has three basic classifications: Software as a service (SaaS), Platform as a service (PaaS) and Infrastructure as a service (IaaS)

    Software as a service provides flexibility and huge cost savings by virtually eliminating the need for on premise software and a huge capital outlay for software, hardware and IT services. The software will be accessed from a cloud environment hosted on third party servers.

    Platform as a service enables developers to build applications using a wide array of developer tools out in the cloud. This is the ultimate frontier for developers enhancing creativity, production, speed, networking, deployment and cost savings.

    Infrastructure as a service are the data centers that will in effect house the servers that create the environment where multiple virtualized operating systems, cloud and IT services can run on one server on a pay as needed basics. Huge cost savings are gained by data centers using less energy, manpower and servers operating in a shared environment.

    In the future the three main end user categories may simply be: B-Cloud business , G-Cloud government and C-Cloud consumers

    What is cloud computing? Internet computing use along with services and software over an online protocol. The services will be accessed over the internet and the cloud is a metaphor for the internet.

    Mainly cloud computing is a new Information Technology business shift to obtain and offer software, application platforms and data infrastructure services over the internet. This is not a fad and it is a major push as well as a cost savings initiative that most companies will soon embrace economically. Most of what cloud computing is all about is not readily understood by consumers today and this is predicted to change rapidly as this new concept unfolds. However consumers will experience and appreciate the flexibility and the online cost savings passed on to consumers by businesses using the cloud computing model.

    The economic landscape requires a ramping up effect instrumental in introducing consumers to a new credit score auctioning and bidding platform designed with consumers in mind. Consumers can embrace a new innovative initiative a digital consumer cloud (C-Cloud).

    Monetization-as-a-Service (MaaS) consumers can access online the monetization as a service application through the control panel. It is easy to sign up and register for the new service. A forth coming mobile app will make this even easier for consumers on the go using their smart phones.

    Monetization: to give the character of money to; convert into money

    Gain control of your valued credit using monetization and realize its financial benefit and overall monetary worth in the marketplace. Through credit transactions businesses of all types monetize consumers credit to harvest profits and financial gain. In the world today this is revered as commerce or the act of doing business as well as making money through credit and interest rate transactions.

    Here is an astounding revelation. Consumers can now reverse the business monetization process and use the same principles to save money and interest making their own individual monetized credit transactions. Place your credit score out for bidding in the marketplace and stop allowing others to monetize your credit to your disadvantage causing you the consumer to settle for high interest rates based on your credit score.

    The next evolution in the credit monetization process will enable consumers to use their smart phones to scan barcodes and immediately upload the product into the credit score auctioning and bidding platform to monetize their credit for a lower interest rate prior to making a purchase of a big ticket item. This will level the credit score playing field, empower consumers and bring interest rate cost savings into play with every consumer credit transaction.

    Reply
  16. wafaulkner@kutro.com

    I have the next big idea for Apple and I can assure you no one has thought of this new cloud concept.

    A New Frontier: Monetization As A Service

    Cloud computing is the next big thing in the IT and digital world and it will have a profound effect on every thing accomplished through an internet connection. It is hard to imagine anyone using the internet whether it be for personal use, e-commerce or business that will not benefit from the advent of cloud computing.

    Cloud computing has three basic classifications: Software as a service (SaaS), Platform as a service (PaaS) and Infrastructure as a service (IaaS)

    Software as a service provides flexibility and huge cost savings by virtually eliminating the need for on premise software and a huge capital outlay for software, hardware and IT services. The software will be accessed from a cloud environment hosted on third party servers.

    Platform as a service enables developers to build applications using a wide array of developer tools out in the cloud. This is the ultimate frontier for developers enhancing creativity, production, speed, networking, deployment and cost savings.

    Infrastructure as a service are the data centers that will in effect house the servers that create the environment where multiple virtualized operating systems, cloud and IT services can run on one server on a pay as needed basics. Huge cost savings are gained by data centers using less energy, manpower and servers operating in a shared environment.

    In the future the three main end user categories may simply be: B-Cloud business , G-Cloud government and C-Cloud consumers

    What is cloud computing? Internet computing use along with services and software over an online protocol. The services will be accessed over the internet and the cloud is a metaphor for the internet.

    Mainly cloud computing is a new Information Technology business shift to obtain and offer software, application platforms and data infrastructure services over the internet. This is not a fad and it is a major push as well as a cost savings initiative that most companies will soon embrace economically. Most of what cloud computing is all about is not readily understood by consumers today and this is predicted to change rapidly as this new concept unfolds. However consumers will experience and appreciate the flexibility and the online cost savings passed on to consumers by businesses using the cloud computing model.

    The economic landscape requires a ramping up effect instrumental in introducing consumers to a new credit score auctioning and bidding platform designed with consumers in mind. Consumers can embrace a new innovative initiative a digital consumer cloud (C-Cloud).

    Monetization-as-a-Service (MaaS) consumers can access online the monetization as a service application through the control panel. It is easy to sign up and register for the new service. A forth coming mobile app will make this even easier for consumers on the go using their smart phones.

    Monetization: to give the character of money to; convert into money

    Gain control of your valued credit using monetization and realize its financial benefit and overall monetary worth in the marketplace. Through credit transactions businesses of all types monetize consumers credit to harvest profits and financial gain. In the world today this is revered as commerce or the act of doing business as well as making money through credit and interest rate transactions.

    Here is an astounding revelation. Consumers can now reverse the business monetization process and use the same principles to save money and interest making their own individual monetized credit transactions. Place your credit score out for bidding in the marketplace and stop allowing others to monetize your credit to your disadvantage causing you the consumer to settle for high interest rates based on your credit score.

    The next evolution in the credit monetization process will enable consumers to use their smart phones to scan barcodes and immediately upload the product into the credit score auctioning and bidding platform to monetize their credit for a lower interest rate prior to making a purchase of a big ticket item. This will level the credit score playing field, empower consumers and bring interest rate cost savings into play with every consumer credit transaction.

    Reply

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