Tag Archives: PayPal

September 18, 2024 · 23:35

It’s fun to get it right

On the 11th of September I wrote ‘A brief recollection’, a story where I had issues with the setting of ‘monopolisation’ by Google and with that I also stated “Google innovated this market more than anyone ever considered. The fact that Microsoft has no chance and lacks expertise in software to make any dent in Google application is one part of the evidence. It also didn’t stifle competition, the fact that Microsoft had no option to push anything in Google’s path seems to me that this is the second part of the evidence is also nullified. After decades of ‘exploitation’ of customers, Google gave them all a fair chance. So why doesn’t anyone see that?” And now, less then four hours ago, the BBC gives us ‘Google scores rare legal win as 1.49bn euro fine scrapped’ (at https://www.bbc.com/news/articles/c62rjd363j1o) with the text “It said the Commission had not considered “all the relevant circumstances” concerning the contract clauses and how it defined the market. Because of this, it ruled the Commission did not establish “an abuse of dominant position.”” That was what I basically said. The lack of creativity by others (read Microsoft) is no evidence of abuse. Their failure to see an equal footing five times over (once by Apple, once by Amazon, once by Sony and twice by Google) is not a setting of dominant abuse, it is merely dominant captaincy due to a failing to set the stage on creativity and I myself am about to give that lesson to Microsoft twice more. So how stupid do they need to get? 

As such it seems that the legal profession had to admit defeat on the mere stage to scrap the fine with the quote “The Commission concluded Google had abused its dominance to prevent websites from using brokers other than AdSense when they were seeking adverts for their web pages”, which is not correct either. You see Microsoft has edge and its advertisement solution. It is however failing on several fronts It falls behind Chrome having 65% and behind Safari with its 18.5%, Edge has a mere 5.3%. And behold, Safari is only on Mac systems. In February 2024 MacOS systems had a mere 15.42% and PC’s had over 72% and even in that environment Edge has a mere 5.3%, failing to come close to Safari. Does that not tell you something. It isn’t that Google is abusing dominance, there simply isn’t anything close to compatible. It isn’t abuse, there is simply no equivalent in that game and the advertisement game is cut throat to say the least. And as I see that, I see two additional blows I can give Microsoft and that pretty much ends Microsoft to be the competitor. It is a mere agent of mediocrity and as such it loses more and more market share. I can give (for a fee) one to Google and the other one to Amazon and they can show Microsoft what it is to be dead last in a game that only has space for the victor. Soon America will try its luck on shaking down Google for cash as we are told “The US government is also taking the tech giant to court over the same issue, with prosecutors alleging its parent company, Alphabet, illegally operates a monopoly in the market.” I wonder how they tend to prove that when the competitors (mainly Microsoft) are showing to be ridiculously short changed on competition. As I see it, it is a court session waiting to fail. The nice side is that I could optionally still rely on Kingdom Holding and Tencent Technology to enter a deal with me to broker technology and is definitely worth it when it comes to Kingdom Holding, and optionally Tencent Technology would be a worth the talk to. Amazon waked away from this and once these two setting pan out, all can see how much of a shortage Microsoft had. And that is a shortage that has been visible to those who think critically for at least a decade. The media spin has no hold over them and as we are told ‘Microsoft Wants To Stop The Next CrowdStrike Error Before It Causes PC Shutdown’ a mere 10 hours ago is set against “Microsoft even got everyone together at a security summit earlier this month where the company had talks about changing the dynamics of who can access the Windows kernel and control the changes” with the added “Microsoft realises that unrestricted access to Windows kernel is the big reason why the Crowdstrike outage occurred in the first place. It was even pointed out that Apple will never give that kind of access to its partners and vendors, which explains why no Mac machine was down on that day.” As such we get that MAC systems never had the issue and the collaborated events give rise to the stage that the CrowdStrike issues could optionally still happen. Did anyone guess what happens to cloud systems when this is not addressed in the next 48 hours? How many vendors will switch to AWS as such? When we consider that “changing the dynamics of who can access the Windows kernel and control the changes” could not normally be resolved in 48 hours at all. This is the setting that Microsoft is up against and that is all before we realise that it is a fundamental shift required in search and advertisement systems that makes Edge even less of a competitor soon enough and that gives Google more leeway. That realisation is what these courts are fighting against. There is no monopoly when there is not competition. And Microsoft is no longer any kind of interfering factor. That merely leaves Google, Amazon and Apple. Amazon holds 7.3% of the online ad market, Apple gets 30% from Google, which only leaves the optional others. And when we consider that Amazon has a bigger share than Microsoft/Edge. How much of a competitor was Microsoft to begin with? So who is setting the fictive breach towards ‘abusive monopoly’? Isn’t that the critical question? What voices speak to the EU and US lawmakers? That is the question that matters and I personally think that it is those who have a personal gain through Microsoft stages that are screaming murder. They bet on the wrong horse and as I see it Microsoft is a horse no show. The EU had to cancel that €1.49B euro fine as this could optionally backfire as well. The stage as I saw it was always different. As Microsoft went its way into the boardrooms, they forgot that those dozen people (times Fortune 500) depend on millions of workers doing stuff and that was where Google grew. And the Microsoft strategy fell flat. I myself found another nice worth billions in pretty much the same way. As such one of my solutions was primarily for Amazon as Google dropped their Stadia, which made the Amazon Luna the only contender and Microsoft with its solution fell flat behind Sony (PlayStation) and Nintendo (Switch), yet Tencent came roaring with its solution and became a contender. This shows how certain people in the US are using the Department of Justice and as (September 9th) we were given “According to the lawsuit filed by the Department of Justice (DoJ) and a coalition of states in 2023, Google dominates the digital ad marketplace and has leveraged its market power to stifle innovation and competition.” I see the same failing happen under Google “leveraged its market power to stifle innovation and competition” and equal shortage as there are no innovators (they heed to solve their CrowdStrike issues before they also lose the cloud market and there is no competition as there is a competition of one, that is no monopoly, it is the lack of equally sharp minded people gaining serious forward momentum. That is the actual stage and that was the setting all along. And the setting is easy to fathom. Consider the mere first strike “On the 9th of October 2006, YouTube was purchased by Google for $1.65 billion” In 2006 Microsoft had the cash and the option to buy this, but they did not. 

The former employees of PayPal were out there and Microsoft didn’t see the option. That is how much they failed for 18 years. After that Microsoft had at least three options to compete, but they did not. 2005, 2006, and 2014. Microsoft did nothing (as far as I know). More over in September 2016 ByteDance created TikTok. In 4 years it surpassed 2 billion downloads and still Microsoft was in the dark on what they had missed. You think this is not related, but it is. The competitors a near complete lack of comprehending its audience for close to 18 years and that is where the Department of Justice comes in? Competition is created by the players who understand their audience. It is something that is known for half a century. A monopoly is created when there are like minded players stifle matters like innovations (which requires innovators) and competition (which requires market share) most (especially Microsoft) failed on both matters. Amazon had its own niche market and had its own 7.3%. The only one with any right to cry foul (or is that fowl) is ByteDance, but the Department of Justice are silencing that voice. 

So as I am having fun because I saw the field correctly all along will (hopefully) soon have two more reasons to roll on the floor laughing and the fun part is that a player like Microsoft is too stupid to see the audience that they are disregarding. 

I wonder what the American DoJ will make of that.

Have a great day.

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October 2, 2023 · 04:43

An altering stage

This is a setting we all see, we all accept. We see any stage and we see it changes as conditions are dealt with. The Shutdown is as I expected averted in the last minute. I expected it would, but I also expect that this might go wrong in the future and the next shutdown is a mere 45 days away and US businesses are setting this new marker as the disaster moment. That is the new quarter setting, a setting that is a mere 45 days away now, but what happens when this becomes a monthly thing? And that is not nearly the end of it. You see CNN and others reported on how Rep. Jamaal Bowman pulled the fire alarm a mere minutes before that vote. Children will be children and what do you do with stupid children? Yes, you make them representatives of Congress, that is how it goes. He is seemingly hiding behind ‘it was an accident’ just like every other 12 year old who played ding dong ditch with a fire alarm. This is merely the stage, the larger stage is more serious. 

The first one is the IMF (at https://www.imf.org/en/News/Articles/2023/09/28/cf-saudi-arabias-economy-grows-as-it-diversifies) who reports ‘Saudi Arabia’s Economy Grows as it Diversifies’. It is a summary and you should read it. It shows several elements that are taking the world by storm. It is not “As shown in the latest IMF annual review of the country’s economy, progress has been most notably reflected in non-oil growth, which has accelerated since 2021, averaging 4.8 percent in 2022. Despite lower overall growth reflecting additional oil production cuts, non-oil growth will remain close to 5 percent in 2023, spurred by strong domestic demand.” We get the goods here, but it is “The economy’s non-oil growth has been spurred by strong domestic demand, particularly private non-oil investment. Sustaining this performance requires pursuing sound macroeconomic policies and maintaining the reform momentum, irrespective of developments in oil markets.” Even if the stage is not revealed, when combined with other views we see that ‘strong domestic demand’ is merely one string from the harp of economy, the harp of Saudi economy. What matters is that larger streams involving defence, technology, construction, tourism and services are ALL moving towards Chinese shores. We see some of it now, but that list is rapidly expanding and the next US vote is 45 days away with them having to brood on a loss of billions and it will be a lot more than 1 billion. 

The second article comes from Arab News (at https://www.arabnews.com/node/2382701). I am not seeing anything new, but the fact that we see the report on this implies that US and EU governing bodies are now seeing the losses that they are being confronted with. In the first Saudi Arabia has set the lofty goal of increasing the tourism target from 100 million to 150 million of tourists a year by 2030. I think they can get there, but as I wrote last week that implies that these 150 million will not be going to the US or EU. So did you do the math on that loss? Saudi Arabia was until recent not really a blip on anyones radar and now they are becoming a power player. And this is not just China, The EU has 44 million Muslims a fair size of this would be considering Saudi Arabia as a tourist destination soon enough and even as the US only has about 4 million Muslims, these two are now seriously looking at what kind of a vacation Saudi Arabia could offer. I think it could grow even further. As a growing global population wants to really learn about Islam, we see that the Churches are now going more and more deserted. You can fool all of the people som of the time, you can fool some of the people all of the time, but you cannot fool all of the people all of the time and the western world is in stage three, all whilst stage two is waking up on the notion that the churches have been a scam (as some people see them) yet these people are now seeking faith. Faith they feel the churches can no longer deliver as these people feel conned. Now Saudi Arabia has a stage where they can openly and clearly introduce Islam to a people who feel empty because faith deserted them, it is now seen as a betrayal and the churches cannot address the betrayal that they instigated since November 18, 1095 (Council of Clermont, First Crusade). Over 900 years and that shindig is up. So Saudi Arabia stands to increase its Muslim population, they increase tourism and at the same time they decrease the revenue streams to the EU and US. Both China and Russia will see this as a win, as does the BRICS community. IS my view correct? Correct is not the issue, this is clearly happening, but to what degree is anyones guess. I felt betrayed by my Catholic Church going back since slightly before 2015 when the movie Spotlight showed the world that something was very very wrong. We have been conned by hypocrites and charlatans and many feel too betrayed to give the church even one option to redeem itself. This tom foolery had been going on for over 900 years. 

And when you consider the Arab News giving you “By focusing on shared opportunities for growth and prosperity, the crown prince shuns hardened religious ideology that offers no prospects for the region or the international community at large. This leads him to navigate uncharted territory and negotiate closer ties with Iran and Israel alike. As he has pointed out, a Saudi normalisation agreement with Israel, if it came to pass, would be “the biggest historical deal since the end of the Cold War.”” It is seemingly correct (there are a few nicks to that setting), but the larger stage becomes more than ‘since the end of the cold war’. You see, the US was a power-player since the end of WW1 and that too is about to end. All the friends the USA used to have are now seeking new shores to feed their greed and they will bend over backwards to get their slice of cake and in the process will have to openly desert the US. Even Americans are now seeking ‘pro-Russian’ shores to ‘feel’ safe, but that is not the way it goes and those people will soon have no one to turn to. A similar setting is to be seen in the EU, although there are other issues in play too. Slovakia turning pro-Russian is merely one stage, one of many stages and that will erupt in many places. I expect that the Paris Olympics will show a few sides evolving there and as this evolves Saudi Arabia will be there to be the new power (together with China). You see, what some are missing is that places like Alipay+ is now partnered with the Saudi Tourism Authority. You think it is simple, but it is not. No matter how we see Alipay as part of the Alibaba group. It sets the stage where it is the partnered player with all the tourism in Saudi Arabia. It overtook PayPal in 2013, it now has over 55% as a pay provider for China and it is about to become a serious contender for all slices of the VISA and Mastercard processing pie. Within 10 years they got to there and the BRICS group will allow it to grow a lot further. And in all this we see another field that was until 5 years ago a field that belonged to the USA. Now we see more and more areas where the USA corporations are degrading to a mere third world nation and Saudi Arabia is in the centre of more and more of these stages. China is making a clean sweep of a lot of this and people still believe that I was kidding when I stated in 2019 that this pariah BS will have larger impacts. We are now seeing these plays in place and we see how the world stage is changing and for the USA and the EU not for the better. Oh and before you think this is temporary, consider the Brooklyn floods. It will take months for the humidity to settle down and the heating bills with decreased oil will take its toll there too. They say ‘It never rains when it pours’ and now we see the impact in several income streams whilst service streams are negatively impacted. All at the same time. But no matter the next shutdown is dues around 16 November 2023, a week before thanksgiving in the USA. So what will the Turkey’s do at that point to survive? Play ding dong ditch with a fire alarm?

Enjoy the upcoming week.

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March 17, 2015 · 11:02

Building Social gaming

Yes, this is about games, about video games specifically. There are two sides to the current article we see in the Guardian (at http://www.theguardian.com/technology/2015/mar/16/roblox-minecraft-user-generated-gaming). The first one is the entire ‘for kids’ approach.

Well, that part I am smitten with, you see, games should be to a decent extent to get the next generation into technology. To get them to know how to get by, how to interact and how to properly use technology. Like any skill, a child starts with crawling, moves to walking, soon we see tricycles, bicycles and more advanced options for movement. We have puzzles for the mind, whether jigsaw or other. Even though these options are falling to the back more and more, it is the threshold of technology that will help them move forward and move forward faster. Nintendo has always been a champion in this matter. As it catered to the younger player and to the family game environment, Nintendo had a niche. PC’s have for a long time remained far behind, because the revenue to cater to a less young population was forever more appealing. Even though most will see Minecraft as a provider here, Roblox has been around a lot longer.

Now that Microsoft dished out 2 billion and spare change for Minecraft, Roblox is hoping to see an influx of cash in their market as well, and why not?

Yet now we hit the part that is a little (just a little) cause for concern:

““In December, we hit 4.7 million players. The foundation of Roblox is user-generated content: just like on YouTube there is so much to watch, on Roblox there is so much to play,” says Baszucki” as well as “People get really attached to it: many of our players have played for four to five years, and our developers range in age from eight to 80. Some of the top developers are 18 or 20, and we have kids in high-school who are making two, three or four thousand dollars a month“.

You see, where do they get that money from? More important, who is paying for these ‘costs’?

Well the article explains that as well: “How? By creating 3D games on Roblox’s website, then sharing them to be played online, as well as on iOS, Android and Kindle Fire devices. The money comes from the in-game currency, “Robux”, bought by players to spend within games, and then exchanged for real money again by those games’ developers“.

Is that a problem? Well, no not directly, as I see it, Roblox is all about creativity, yet some things must be bought. So their currency sets 400 Robux at $5 (for builders it is 450 for the same price), making a Robux around a cent (1.25 to be more exact), which might not be a biggie and 10,000 for $100 (15000 for developers), which makes a Robux $0.01, even less for developers. But what does it get you? More important, if some ‘developers’ get 5000 a month, how much money is exchanging hands here? Well, when you become a member of the Outrageous Builders Club and you have in excess of 100,000 Robux and a valid PayPal as well as a verified email address, you could qualify, if you successfully signed up for the Devex program. The last one seems to be set up to prevent phishing, falsehood and a few other markings. This all seems on the up and up. The exchange is 100,000 for $250. That comes down to 0.25 cents to the Robux, which gives the makers of Roblox a 4 to 1 profit. Now we get back to the very first paragraph “Some of our top developers are starting to get about a quarter of a million dollars a year. They’re treating it literally as a career, and starting to hire their friends…”, so how many Robux did that income make?

Now, this is supposed to be about the games and gaming design, which I do not oppose, so when I see the line ‘we have kids in high-school who are making two, three or four thousand dollars a month‘, meaning that they sold R$800K, R$1.2M, R$1.6M. At 4 to one that works out pretty spiffy for the makers, but is no one asking the question, how much money are your children sinking into this game that is the question! Even though much is clearly stated by the people behind it and even though we see “Roblox is free to play, but to get Builders Club which gives you more features“, we soon see that the smallest club is already $6 a month, making this a $70+ a year enterprise, which might not be bad, but everything costs in this game, from hats (that are seen as a status symbol as I personally see it) and there are more parts to all this, so when I saw the ‘promise of income’ as the article seems to imply, my question to Stuart Dredge becomes: ‘How deep did you look into the article you wrote?’ There is another side to the cash thing that was also not mentioned, The Roblox people had relief fund drives, which means that buying a hat (red, Blue, Rising sun) and for every hat sold, Roblox donated to relief funds for Haiti, Red Cross, the Tsunami efforts, so there is also a social drive towards good causes and this game ended up sending thousands upon thousands of dollars fuelled by the people getting the hat to be socially aware. That is a very good thing, especially as this is an environment driven largely towards the ‘less adults’ (small citizens usually younger than 18).

So, am I lashing out at the makers of Roblox? No, not really, they seem to be clear about the options and about the costs, and people can start with a free account, one world and the choice to continue if it is their kind of world. This is all fair, but do the parents realise what happens when these kids sign up for more? Perhaps they do, but do they realise the added price tag? You see, that might all be fair and good and it is important to note that Roblox shows nearly all the information openly and clearly. They have no traps in there. The only paragraph touching on this is “A platform with lots of children playing and a growing number of games using in-app purchases? It sounds like a recipe for controversy, especially with the US Federal Trade Commission poking around in the affairs of Amazon, Apple and now Facebook over children’s in-app spending“. I think the paragraph is much too meager and other elements are not looked at (as I showed in my earlier part).

There is also a second side to Roblox. A side we all ignored unless we actively dug into it ourselves. You see, I was around when Atari had STOS, Amiga has AMOS and when we saw the growth of Little Big Planet one, two and three. We all think we are future game developers. I played with some of the demos and was able to change a few things get some things rolling, but overall, no matter how good my insight, you need creativity and vision. Roblox is giving tools to the makers to address their creativity, but what about vision? Well, I got my parts done in the builder of Neverwinter Nights, and the best result was making an actual adventure for the Commodore-64. The last part was done by a set of articles that were published in a magazine called ‘Computer and Video Games (CVG)‘ in the mid 80’s. I learned so much from those articles.

Here we see the power of these tools, which brings out vision and creativity through patience and persistence. When a parent realises this part and that a game like Roblox could empower these two elements, then spending $72 a year is a steal at twice the price. Whether this results in making some actual cash, or just makes the maker break even with the costs involved, the last one would be worth it all because whatever they make now, will shape the power of innovation down the line. Kids (adults too) could go through life never realising the power that creating innovation brings.

It is the last paragraph that matters: “Ultimately, games that start to look like high-end CGI movies. And companies are starting to realise that this user-generated content segment could be bigger than any individual games company. There’s so much leverage from being a platform rather than a content producer, where every few years you need a new huge property”. There is a truth and a hidden untruth here, the games that look like high end movies come at a large cost for the player, when we see $100 games that give us no more than 10 hours, we see that a move towards sandbox games are definitely worth it, because the overwhelming difference that value for money gives the player, yet the failed attempt we see in games like Assassins Creed Unity, a game released last November, that is still receiving patches (at http://www.designntrend.com/articles/40441/20150218/assassins-creed-unity-ps4-xbox-one-patch-release-ubisoft-gameplay-graphics-multiplayer-glitches.htm). By the way, personally as I see it, when we see the quote “patch 1.05 goes a long way towards promoting ‘stability and performance’ in the latest entry to the annualized franchise“, I mention this for two reasons, the first is that high end games, when not properly supervised could become the end of any software house, the second reason is that the Assassins Creed Wikia calls it a “Assassin’s Creed: Unity is a 2014 sandbox action adventure game“, trust me that any reference to Assassins Creed being a ‘sandbox game’ is like comparing a Ford Edsel to a Bentley, Minecraft being the Bentley that is.

So as we see Roblox and Minecraft as the growing community towards the sandbox loving gamers, I see a win-win situation. You see, I remain a fan of RPG games, these games propel the interest and the desire for RPG games and as such, I will win as better RPG games are released.

So as we consider the subtitle where we see that Roblox is an environment of 4.7 million people, focusing on growth, we can see that Roblox has a future as it focuses on all devices and Cloud based usage. The only danger I see now is that they might try to grow too fast in too many directions. There might be a comparison to Minecraft, but not in the user base, because Minecraft has over 100M users registered on PC and well over 50 million copies sold on consoles. Roblox could grow faster and larger, but as I see it, it will have to offer more to the free player, as I see it by adding 2 worlds and adding those option to have more options for free. It would be fair enough to make those free players earn these options to be unlocked in some way, but as the starting player is reeled in through the growth of options and interactions, so will their eagerness in becoming a premium member. It is that growth curve that Roblox will need, because no matter how proud they are with their 4.7 million players, if they want to attract bigger business they will need to do more than just double their current base, in addition, as the article shows a drive for makers to ‘make’ money, we need to also consider (in all fairness) that in the end, it must be looked at how much currency is transacted in and how this is broken down in user population (especially the age group based demographics). As I stated before Roblox has been on the up and up in this regard, but their continuation will require a massive jolt towards value for money, because that will drive growth faster and a lot more profound.

 

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