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<div class="image-container float_right click-to-enlarge" style="width:400px"><div class="image"><a title_source="Owen Thomas, Business Insider" title_caption="" class="zoomin" href="http://static1.businessinsider.com/image/51423e6769bedd533c000013-960/app-dot-net-hackathon-17.jpg"></a></div>Owen Thomas, Business Insider</div>Earlier this month, <keyword id="1315628" type="COMPANY" weightage="60" keywordseo="app-net">App.net</keyword>, a social service supported by donations and subscriptions instead of advertising, held a <keyword id="1604076" type="UNKNOWN" weightage="60" keywordseo="hackathon">hackathon</keyword> in San Francisco.
Business Insider was on the scene to see what the coders were up to.
App.net isn't actually trying to kill off Twitter or Facebook, as some early coverage suggested. But it is trying to provide an alternative that lives alongside the social giants.
<keyword id="1753229" type="PERSON" weightage="60" keywordseo="Dalton-Caldwell">Dalton Caldwell</keyword>, the CEO of <keyword id="1753228" type="COMPANY" weightage="60" keywordseo="Mixed-Media-Labs">Mixed Media Labs</keyword>, the company behind App.net, wanted to give developers like himself a place to experiment, play, and build that wasn't subject to bigger companies' sometimes capricious-seeming rules—backed by the users directly. App.net developers pay $100 a year, while users pay either $5 a month or $36 a year.
Last month, App.net unveiled a free, more limited version of the service, considerably expanding its reach; the hope is that paying customers will subsidize the free ones, while the free users make App.net more valuable.
The hackathon, App.net's second one ever, wasn't a huge startup jamboree, but the one-day event, held at the WeWork building on the border of San Francisco's SoMa and Financial District neighborhoods, drew a passionate crowd of coders, designers, and tinkerers. One developer, <a href="http://alpha.app.net/duerig/">Jonathon Duerig</a>, drove in from Salt Lake City.
Besides Caldwell himself, there were a few tech celebrities who showed up. One was Marc Andreessen of Andreessen Horowitz. (While Andreessen <a href="http://www.businessinsider.com/marc-andreessen-steps-down-from-dalton-caldwells-board-2012-8">stepped down from Mixed Media Lab's board last year</a>, Caldwell invited him to see if some of the independent developers had ideas he might want to back.) Another was Steve Streza, the lead developer of Pocket, an app for saving online articles for reading later.
The results are encouraging. As Streza <a href="https://alpha.app.net/stevestreza/post/4217557">subsequently noted</a>, many of the new tools coming out of App.net look nothing like the ones we've seen built on top of Twitter's platform. The next target for the community: Providing a <a href="http://blog.app.net/2013/03/15/how-app-net-could-be-helpful-to-next-generation-rss-readers/">substitute for Google Reader</a>, the news-reading tool that Google recently announced it planned to close in July.
That incident highlighted the need for something like App.net—a user-supported platform that won't fold up shop if it's not fitting into some big corporation's goals.

Watch These Coders Build A Social Media Future That Doesn't Depend On Google, Twitter, Or Facebook

Mobile Insights is a daily newsletter from <a href="https://intelligence.businessinsider.com/welcome?utm_source=House&amp;utm_medium=Edit&amp;utm_term=MI&amp;utm_content=link&amp;utm_campaign=BIIMobile">BI Intelligence</a> delivered first thing every morning exclusively to <a href="https://intelligence.businessinsider.com/welcome?utm_source=House&amp;utm_medium=Edit&amp;utm_term=MI&amp;utm_content=link&amp;utm_campaign=BIIMobile">BI Intelligence</a> subscribers. <a href="https://intelligence.businessinsider.com/welcome?utm_source=House&amp;utm_medium=Edit&amp;utm_term=MI&amp;utm_content=link&amp;utm_campaign=BIIMobile">Sign up for a free trial of BI Intelligence today</a>. 

<div class="image-container float_right" style="width:400px"><div class="image">Kevin Smith/Business Insider</div></div>
<a href="http://www.berryreview.com/2013/08/20/one-app-developer-responsible-for-47000-apps-in-blackberry-world/">One-Third Of BlackBerry World Apps Come From The Same Developer</a> (Berry Review) A developer firm known as S4BB has single handedly created over 47,000 <keyword id="6354741" type="UNKNOWN" weightage="60" keywordseo="Apps">apps</keyword> for the BlackBerry World app market. That amounts to almost one-third of BlackBerry World's total app count. The <a href="https://intelligence.businessinsider.com/comparing-the-growth-of-top-app-markets-2013-7">app store race</a> is not even close, but this revelation illustrates another stumbling block in BlackBerry's attempt at platform and app store relevancy - the huge discrepancy between quantity and quality of apps in BlackBerry World. <a href="http://www.berryreview.com/2013/08/20/one-app-developer-responsible-for-47000-apps-in-blackberry-world/">Read &gt;</a> 
<a href="http://www.businessweek.com/articles/2013-08-21/why-lenovo-might-be-the-savior-htc-needs">Should HTC Look To Lenovo?</a> (Bloomberg Businessweek) Taiwanese smartphone maker <keyword id="16129" type="CITY" weightage="60" keywordseo="HTC">HTC</keyword> has been struggling in the global market and is sitting at a crossroads. Businessweek surveys the potential benefits behind a HTC-Lenovo partnership. <a href="http://www.businessweek.com/articles/2013-08-21/why-lenovo-might-be-the-savior-htc-needs">Read &gt;</a>
 <a href="http://www.engadget.com/2013/08/21/lg-exec-tablet-phablet-smartwatch-and-firefox-os-device/">LG Tablet, Phablet, Smartwatch, And Firefox OS Device Coming Soon</a> (Engadget) The head of LG's mobile communications in Bulgaria, Dimitar Valev, spoke on the company's plans to launch a full fleet of devices. LG's tablets are currently on the back burner, but it also wants to stake its claim in the up and coming smart watch and mobile computing market. LG will also lean on upstart Firefox OS for a new device. <a href="http://www.engadget.com/2013/08/21/lg-exec-tablet-phablet-smartwatch-and-firefox-os-device/">Read &gt;</a>
 <a href="http://allthingsd.com/20130820/is-google-ready-to-buy-its-way-into-tv-with-an-nfl-deal/">Google Wants NFL Content </a>(All Things Digital) The NFL's contract with DirecTV for its Sunday Ticket package is up in 2014. Google is getting a head start on grabbing a potential bid on the subscription-TV service. The kicker will be how willing the NFL is to partner with an "over-the-top" provider like Google versus traditional cable and satellite providers. <a href="http://allthingsd.com/20130820/is-google-ready-to-buy-its-way-into-tv-with-an-nfl-deal/">Read &gt;</a>
 <a href="http://www.wired.com/gadgetlab/2013/08/the-great-app-net-mistake/">The Great App.net Mistake</a> (Wired) App.net is a platform for social applications that is designed on the premise that all of the user data within the social infrastructure is too important to be free. App.net has a radical business plan that is sure to shake up the landscape, but it must overcome many obstacles before becoming a social-network super power. <a href="http://www.wired.com/gadgetlab/2013/08/the-great-app-net-mistake/">Read &gt;</a> 
<a href="http://www.bloomberg.com/news/2013-08-21/apple-ipad-s-china-market-share-slumps-as-samsung-tablets-gain.html">More Evidence Of Apple's Struggles In China </a>(Bloomberg) Apple's share of the tablet market declined from 49% last year to only 28% this year. Meanwhile, Samsung's share surged to 11%. <a href="http://www.bloomberg.com/news/2013-08-21/apple-ipad-s-china-market-share-slumps-as-samsung-tablets-gain.html">Read &gt;</a>

One-Third Of BlackBerry World Apps Come From Just One Developer

<keyword id="1738613" type="UNKNOWN" weightage="60" keywordseo="Mobile-Insights">Mobile Insights</keyword> is a daily newsletter from <a href="https://intelligence.businessinsider.com/welcome?utm_source=House&amp;utm_medium=Edit&amp;utm_term=MI&amp;utm_content=link&amp;utm_campaign=BIIMobile">BI Intelligence</a> delivered first thing every morning exclusively to <a href="https://intelligence.businessinsider.com/welcome?utm_source=House&amp;utm_medium=Edit&amp;utm_term=MI&amp;utm_content=link&amp;utm_campaign=BIIMobile">BI Intelligence</a> subscribers. <a href="https://intelligence.businessinsider.com/welcome?utm_source=House&amp;utm_medium=Edit&amp;utm_term=MI&amp;utm_content=link&amp;utm_campaign=BIIMobile">Sign up for a free trial of BI Intelligence today</a>. 

<a href="http://www.washingtonpost.com/blogs/the-switch/wp/2013/11/21/the-google-wallet-card-proves-the-world-isnt-ready-for-mobile-payments/" target="_blank">What Coin And Google Wallet Card Mean For The Rest Of The Payments Industry</a> (Washington Post) Last week, a payments startup called <a href="https://onlycoin.com/" target="_blank">Coin</a> surfaced and began taking orders for its new payments product - a slim, all-in-one credit card. Users can store all their credit, debit, and gift card info on the <keyword id="6378918" type="ORGANIZATION" weightage="60" keywordseo="Coin">Coin</keyword> card, and do away with the need to carry around multiple cards. 
<div class="KonaFilter image-container float_right" style="width:400px"><div class="image on-image"><a href="http://www.youtube.com/watch?v=w9Sx34swEG0">YouTube</a></div></div>
This week, Google has launched a card that consumers can link to their <keyword id="659753" type="UNKNOWN" weightage="60" keywordseo="Google-Wallet">Google Wallet</keyword> account and balance and use in retail outlets.
While Google's smart card is limited in its capabilities, it is free for Google Wallet account holders. Coin, on the other hand, costs $50 currently and will cost $100 down the line.
From a consumer standpoint, the interest is there. Coin <a href="http://venturebeat.com/2013/11/20/coin-opens-up-more-pre-sales-for-its-connected-credit-card-adds-new-security-features/" target="_blank">hit its crowdfunding goal in 40 minutes</a> and had to open up more pre-order spots. This, despite Coin garnering <a href="http://money.cnn.com/2013/11/17/technology/innovation/coin-startup-credit-card/" target="_blank">heavy criticism</a> from the tech world and <a href="http://phandroid.com/2013/11/20/coin-faq/" target="_blank">concern</a> from anti-fraud professionals. 
It's obvious that consumer familiarity with cards as a payments system is what's driving demand for these smart cards, not true consumer interest in adopting an innovative mobile-based payments method. Technologically, these smart cards seem like a bit of a step backwards. For example, Coin's companion phone app mainly serves to alert users if they have forgotten their Coin card somewhere. <a href="https://intelligence.businessinsider.com/mobile-payments-and-e-commerce-2013-10" target="_blank">Consumers adoption of new payments technologies like NFC and payments apps may suffer</a> if these cards become popular. <a href="http://www.washingtonpost.com/blogs/the-switch/wp/2013/11/21/the-google-wallet-card-proves-the-world-isnt-ready-for-mobile-payments/" target="_blank">Read &gt;</a>
In other news...
App.net is looking to best Twitter by offering mobile users an all-in-one app with alerts for news, podcasts, sports, or RSS feeds, all without ads. After about a year, it is unclear how many consumers are actually in the App.net network. (The Verge)
EchoNest, the company that provides the technology and algorithms that power music services like Rdio and Clear Channel's iHeartRadio, is looking to <a href="http://techcrunch.com/2013/11/21/the-echo-nest-advertising/" target="_blank">mold its music personalization technology into an ad targeting platform</a>. (TechCrunch)
The U.S. is leaning toward allowing talking and text from a mobile device during flights. Here's <a href="http://www.washingtonpost.com/blogs/the-switch/wp/2013/11/21/everything-you-need-to-know-about-in-flight-cell-phone-rules/?clsrd" target="_blank">everything you need to know</a> about how those rules will work. (Washington Post)
Samsung has lost in court and will owe Apple <a href="http://news.cnet.com/8301-13579_3-57613390-37/samsung-owes-apple-$290m-more-in-damages-jury-says/" target="_blank">about $290 million in damages</a> for patent infringement. (CNet)
China's second-richest person is Robin Li, co-founder and CEO of one of China's largest Internet services company Baidu. Last July, Robin spearheaded the acquisition of a $800 million mobile app store, 91 Wireless Websoft. Since then, <a href="http://qz.com/149654/chinas-second-richest-man-earned-his-fortune-by-betting-big-on-mobile/" target="_blank">Baidu's stock has soared thanks to this new push toward mobile</a>. (Quartz)
Here's a deeper look at how Plain Vanilla Games created the <a href="http://techcrunch.com/2013/11/20/quizup/" target="_blank">wildly popular new quiz game app</a>, Quiz Up. The app has brought in 1.5 million users since its launch two weeks ago. (TechCrunch)

Smart Credit Cards May Slow Adoption Of Mobile Payments

<div class="image-container float_right" style="width:400px"><div class="image"></div><a href="http://statigr.am/p/348794349762943343_189429645">statir.am/madmommyof4</a></div>In a short phrase, <keyword id="1774458" type="UNKNOWN" weightage="60" keywordseo="Instafocus">Instafocus</keyword> is "paid <keyword id="819905" type="COMPANY" weightage="60" keywordseo="Instagram">Instagram</keyword>."
In the same way that developer Dalton Caldwell wants people to pay a one-time $50 fee for App.net, a spam-free and ad-free Twitter alternative, <keyword id="1774460" type="UNKNOWN" weightage="60" keywordseo="Jeremy-Anticouni">Jeremy Anticouni</keyword> hopes to win over disillusioned Instagram users.
Some Instagram users <a href="http://www.businessinsider.com/instagram-advertising-terms-of-service-2012-12">got upset last year</a> over confusing changes to its terms of service that suggested it would sell users' photos. Instagram CEO Kevin Systrom apologized and said that the Facebook-owned photo service wouldn't do that.
Also, some people are just <a href="http://www.businessinsider.com/college-humor-instagram-parody-2012-12">tired of Instagram</a>, period.
For a $2 monthly fee or one-time $70 fee, Instafocus will be your photo-based social network, minus ads and spam.
Anticouni is a cofounder of <keyword id="1774459" type="UNKNOWN" weightage="60" keywordseo="Pixl3">Pixl3</keyword>, a <a href="http://pixl3.com/">mobile-app development shop</a>.
So what do you say, Instagram haters? Are you upset enough to part with some cash to help build a filtered photo utopia?
<a href="http://www.kickstarter.com/projects/pixl3/instafocus">Prove it by supporting the company's Kickstarter</a>.

Instagram Whiners: Put Your Money Where Your Mouth Is

<div class="image-container float_right" style="width:480px"><div class="image">MicrosoftThe Microsoft Kinect</div></div>Good morning, here's the news.
<ul>
<li>
Use your iPhone all you want, and never worry about running out of power. Just remember to drink lots of water. <a href="http://mashable.com/2013/08/14/urine-cell-charger/">"Scientists have successfully generated electricity from human urine, enough to partially power a cellphone."</a>
</li>
<li>
<a>China Mobile's CEO said his firm wants to carry the iPhone, but that technological challenges remain.</a>
</li>
<li>
<a href="http://www.bloomberg.com/news/2013-08-15/microsoft-s-first-chip-brings-tank-finding-design-to-xbox.html?cmpid=yhoo">For the first time, Microsoft is building its own processors based on in-house designs. It's building them for the Kinect.</a>
</li>
<li>
<a href="http://news.cnet.com/8301-10805_3-57598598-75/microsofts-touch-screen-for-any-surface-goes-on-sale/">Microsoft has also combined the motion-sensing Kinect with projectors</a>. That means you can turn any flat surface into a touchscreen.
</li>
<li>
Final piece of Microsoft news: <a href="http://www.theverge.com/2013/8/14/4622618/microsoft-hires-jason-holtman-former-steam-boss">The company hired an executive from online game store Steam to run its gaming-for-Windows division, signalling renewed interest in PC games.</a>
</li>
<li>
A cofounder of Bleacher Report raised $6.5 million to launch a new publication for women yesterday. <a href="http://www.huffingtonpost.com/lori-fradkin/bryan-goldberg-bustle_b_3755806.html?ncid=edlinkusaolp00000003&amp;ir=Technology">He immediately got tons of blowback.</a>
</li>
<li>
<a href="http://mashable.com/2013/08/14/zynga-coo-out/">New Zynga CEO Don Mattrick shaking up the company's executive ranks.</a> The COO, CTO, and HR boss are out.
</li>
<li>
<a href="http://www.huffingtonpost.com/2013/08/14/beer-bot-drone_n_3751360.html?ncid=edlinkusaolp00000003">This drone delivers beer.</a>
</li>
<li>
<a href="http://venturebeat.com/2013/08/14/how-google-venture-partners-does-rapid-prototyping-design-sprints-with-its-170-startups/">Google Ventures created a 5-day rapid prototyping process for the 170 startups in its portfolio.</a>
</li>
<li>
<a href="http://techcrunch.com/2013/08/14/app-net-new-funding/">App.net, the ad-free alternative to Twitter, has raised another $2.5 million from Andreessen Horowitz.</a>
</li>
</ul>

10 Things You Need To Know This Morning In Tech

<div class="image-container float_right" style="width:400px"><div class="image"></div>AP</div><keyword id="6354427" type="CITY" weightage="60" keywordseo="Apple">Apple</keyword>'s annual developers conference in San Francisco, <keyword id="326943" type="ORGANIZATION" weightage="60" keywordseo="WWDC">WWDC</keyword>, is the company's biggest show of the year. 
WWDC has been the site of a lot of major Apple product announcements. This year, Apple is expected to introduce iOS 7, its newest mobile operating system, as well as the newest version of its desktop operating system, OS X.
But tickets to this year's conference in June sold out in <a href="http://www.businessinsider.com/wwdc-tickets-2013-4">a record two minutes</a>. Last year, tickets sold out in two hours. In 2008, it took about two months.
Apple recently acknowledged the sellout and came up with a couple of solutions. It will post videos of all its sessions during the event, instead of waiting days or sometimes weeks to post the content. This fall, it also plans to host "Tech Talks," which are essentially mini WWDCs, in various cities.
WWDC is limited to about 5,000 attendees, but <a href="http://www.apple.com/about/job-creation/">there are</a> more than 275,000 developers in Apple's ecosystem. People <a href="http://iphonedevelopment.blogspot.com/2013/04/fixing-wwdc.html">have suggested</a> that Apple should increase the event's capacity by utilizing all three of Moscone Center's buildings instead of just one, host more throughout the year, or create a variety of access-based ticket types.
But some of Apple's biggest fans are saying the conference is broken. In fact, long-time WWDC attendee Daniel Jalkut of Red Sweater Software <a href="http://bitsplitting.org/2013/04/25/end-wwdc/">says</a> Apple should just stop having WWDC all together.
That's because, Jalkut says, Apple is no longer achieving the goals of the conference, which is to educate developers and encourage them to contribute to Apple's platforms. Instead of WWDC, Jalkut thinks Apple should expand its number of developer resources and documentation online.
Instapaper creator Marco Arment <a href="http://www.marco.org/2013/04/26/replacing-wwdc">says</a> Jalkut's proposal sounds plausible, but thinks it would ultimately crush the spirit of the developer community.
"WWDC has an energy," Arment <a href="http://www.marco.org/2013/04/26/replacing-wwdc">writes on his blog</a>. "It's a huge rally to juice developers' confidence and enthusiasm for the platform. Every year, I've been filled with an insatiable desire to just make something the whole time, and that energy gives me a boost for months afterward."
But others have suggested a less drastic approach. 
"One thing Apple could do differently this year: announce WWDC on Wednesday, but not sell tickets until the next day," well-known Apple blogger John Gruber <a href="https://alpha.app.net/gruber/post/4971957">recently proposed on App.net</a>. "Sounds like a good way to DOS developer.apple.com, but this would make it more like a lottery, with less advantage to certain time zones." (DOS means "denial of service," which is what happens when a site gets too much traffic at once.)

Apple's Biggest Show Of The Year Is Broken, Say Apple's Biggest Fans

<div class="KonaFilter image-container display-table float_right"><div><div class="image">REUTERS/Antony NjugunaA Kenyan farmer sends a text message to enquire about the latest maize prices from her maize fields in Thigio 35km (22 miles) from the capital Nairobi June 23, 2005. Mobile phones have become the most essential work item for Kenya's small businesses. </div></div></div>When you talk about how the future of payment technology these days, the conversation quite often now turns to Bitcoin. It was <a href="http://seekingalpha.com/article/1980641-visas-ceo-discusses-f1q-2014-results-earnings-call-transcript">literally the first question asked this morning</a> of Visa brass during the firm's earnings call (CEO Charlie Scharf said they're monitoring it but remain unfazed). 
But despite its run-up in value and the coincidentally increasing number of retailers accepting it, Bitcoin is still not playing an enormous role in people's daily lives.
The same cannot be said of the following 10 companies and products, which are already transforming how everyone from average joes and janes, to small businesses, to the impoverished do their finances. 
Check it out:
1) Imagine a service that "provides you with a fast, convenient and secure way to make and receive payments," one which describes itself as "the best alternative to carrying cash, using checks or ATM cards, traveling to and from the bank, and waiting in long lines to process payments." Sounds like Bitcoin right? Nope. It's Nigerian mobile payment service <a href="https://www.mypaga.com/paga-web/start.paga#">Paga</a>, which <a href="http://techloy.com/2013/11/18/mobile-payment-service-paga-hits-one-million-registered-users/">passed 1 million registered users in November.</a>
2) <a href="http://www.safaricom.co.ke/personal/m-pesa/how-to-register/faqs">M-Pesa</a> is the Kenyan version of Paga. Over 50% of the country's adult population use the service to remit money to relatives, to pay for shopping, utility bills, or taxis. The service now has branches in India, South Africa, Tanzania and even Afghanistan. 
 3) Bitcoin evangelists like to say the cryptocurrency will be huge for the "global unbanked," or those without access to financial services. But <a href="http://www.inventure.org/using/how-inventure-works">InVenture</a> is already doing something about that right now, by creating a standardized credit scoring system for the 2.7 billion people worldwide who fall into this category. Users text daily sales and costs to Inventure, which are compiled into a formula to come up with a score that is then passed on to lenders.
4) You may have seen <a href="https://venmo.com/">Venmo</a> ads blasted all over the New York City subway for Venmo (featuring Venmo employee "Lucas"). Venmo allows you to painlessly, unawkwardly send payments through your phone just by texting.
5) <a href="http://splitwise.com/">Splitwise</a> is often used in conjunction with Venmo. Let's say you just went on a week-long canoeing trip beautiful Quetico National Park in Ontario with five of your closest friends. Each paddler paid for a different part of the trip at different times, so each owes someone else money. Splitwise let's you sort it all out.
6) <a href="http://www.paywithcover.com/">Cover</a> allows you to pre-arrange your dinner bill if you're going with a big group, so you don't have to reenact the <a href="http://en.wikipedia.org/wiki/Congress_of_Vienna">Congress of Vienna</a> to figure it all out later. It's sort of like Splitwise, but for eating out. In fact you don't even have to wait for the check - the restaurant just plugs into Cover when you've stopped ordering. 
 7) BI's Dylan Love recently described <a href="https://www.simple.com/">Simple</a>, the startup looking to replace your bank, as <a href="http://www.businessinsider.com/simple-banking-2014-1">"easy, as in iPhone easy,"</a> adding "it's changed the way I interact with my money and I'm recommending it to friends like mad." The company offers free ATM withdrawals, as well as free tools for checking your balance, depositing checks, tagging and categorizing your purchases.
8) One can argue <a href="https://ripple.com/">Ripple</a> is the most ambitious firm here. The company wants to change how all forms of money and currency, including Bitcoin, are digitally transferred on the Internet, creating a new and cheaper payment "rail" that would replace how all bank transfers are currently executed. 
9) <a href="https://stripe.com/">Stripe</a> helps startups like Foursquare and App.net build user-friendly payment interfaces into their websites or mobile apps. Now they're now <a href="https://stripe.com/blog/open-betas-in-europe">expanding across Europe</a>.
10) <a href="balancedpayments.com">Balanced</a>, a Stripe competitor, also allows a single website that deals with lots of other clients to process payments. Some see Balanced as a less cumbersome version of Stripe, since every client has to sign up for it, whereas online the marketplace guy needs to sign up for Balanced.

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