UbiNET Platform from UbiNET Inc. with cryptocurrency and blockchain 2018 asset sale

The UbiNET Platform is built up from several propositions that each hold a key relationship ecosystem. UbiNET is designated a planet wide system as its architecture is designed for any planet and an in-transit mode for between planets.

thingcoin cryptocurrency coinUbiNET Platform – Blockchain data management of unique id in ThingCoin

UbiNET-c-Token – Corporation (Business) Cryptocurrency that issues ThingCoin’s

UbiNET-p-Token – Person (Individual) Cryptocurrency that issues ThingCoin’s

ThingCoin – Data description of micro-sensor embedded in everything

UbiNET – Planet data token

While the system has been defined using the constructs of blockchain and cryptocurrency they are just the enablers of a complex data system with millions of products and services from full lifecycle recycling to personal security and most importantly personal privacy.

UbiNET Open API Marketplace

UbiNET Inc. will be setting up some of the initial data products for participants but will also establish an open API marketplace for developers to access non personally identifiable data and personal open API for individuals to choose who can access their identification and their transaction details.

UbiNET Asset Sale

In 2018 we will be releasing 200 UbiNET-c-Token at a fixed asset price of $500,000 each given what the do in UbiNET this is a bargain. The money raised will be used to build the first fully functioning UbiNET this is costed as being $100,000,000. At this point the asset sale is set to be in Fiat (USD) to enable businesses to get the Token.

If you would like sign up for one of the 200 coins being offered in 2018 please use the form on UbiNET.

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#Retail #banks need their #customers

Retail banks would like to live in the

  • past
  • future

anything but the present

The 90/00’s marketing gimmicks of creating a relationship with your bank are long gone in people’s minds. The problem for the banks is they now for the first time mean it, but have lost a lot of credibility and the confidence of the public.

A breach of trust ‘Sub Prime’

There are several reasons why ‘Sub Prime’ was so important for the banks and I think they need to be stated to understand why the banks need their customers more than ever. Before ‘Sub Prime’ the banks had an attitude of expansion, ever increasing targets and scared executives doing anything they could to reach their targets. The problem we all know is there is a limited number of people, across a lot of banks.

Regulation was a serious problem limiting investment options, however Chancellor Gordon Brown removed regulations to support competitiveness in British banking he opened the door to new more risky opportunities. The stage now set and an opportunity arises ‘Sub Prime’ I often wonder if someone had said “that means less than best, I don’t think so” things might have been hugely different today. ‘Sub Prime’ in effect was an opportunity for a number of US institutions to offset their huge risk across the world. To British bankers a way to quickly meet the huge growth targets they were expected to reach. And yes, a lot of people made a lot of money but then again they already were so this is nothing new.

The problem with all this goes to confidence, it has been said that the Wall Street crash (1920’s) was caused by the New York Times questioning the strength of the economy because they could not fill their advertising quota. If you question an investment loud enough it scares people and scared people run for safety, in investments that’s low risk, low yield like Gold, Silver (except if everyone jumps in) and Government backed bonds. People follow a crowd, mentality if the see people running in a direction instinctively they follow, it’s completely normal. It was very embarrassing to hear people talk about “a house not being an investment anymore” but “just a place to live” again some people have made huge sums of money from property investment (good on them) but for most people a house is a home.

Retail banks need their customers

The background set retail banks now have to take on board basic marketing concepts of cross selling and up-selling into a market that trusts them less than ever before. I suppose I have the same question as other customers “what’s in it for me?” I get that the banks think they have a captive market, but they don’t. It would be a hassle to change banks, but if I get less un-targeted marketing materials it might be worth it. I understand the call to action and take advantage of the user experience lifecycle but it may take quite a few years for that to apply to customers. Maybe what banks need to focus on at this point is servicing existing customers with what they already have to a level of satisfaction before assuming they can cross sell and up-sell.

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User centered design to ISO 13407

User centered design (UCD) is a project approach that puts the intended users (audience) of a product or piece of technology at the centre of its research, design and development. It does this by talking directly to the user at key points in the project to make sure the product or piece of technology will deliver upon their perceived requirements and align the client with their market.

The following elements operate in a cycle being repeated until the project’s objectives have been attained. This makes it critical that the participants in these methods accurately reflect the profile of actual consumers.

Simple user centered design project lifecycle visualization
Simple user centered design project lifecycle visualization

ISO 13407 outlines four essential activities in a user centered design project:

Requirements gathering – Understanding and specifying the context of use
Requirements specification – Specifying the user, organisational, technological and standards requirements
Design – Producing concepts, architectures, visual designs and prototypes
Evaluation – Carrying out user based assessment of the product or technology

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