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matthew waldman frsa (M, 56)
new york city, US
Immortal since Jun 11, 2009
Uplinks: 0, Generation 3

nooka blog
nooka site
my articles in japanese
product designer and brand development creative motivated by the promise of a utopian future. my products can be found in museum and fashion shops worldwide. bilingual english/japanese. adjunct professor at the parson's school of design. fellow of the royal society of the arts. sometimes fine artist.
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    i live in an amazing city, although a frustrating one as a futurist – nyc – where 19th century infrastructure and poor social services are only part of the myriad problems. that said, it is still the only city for me and with the recent completion of phase one of the highline project and the restructuring of times square traffic, the city seems to moving in the right direction under the care of mayor bloomberg.

    but infrastructure is NOT the subject of my rant today, but rather the archaic features of banking in the united states as well as the lack of technical sophistication in all personal currency conveyances [i won't get started on how ugly US currency is because i believe we are moving towards a currency-free economy. but it could be well better designed]. every week my book keeper plants a stack of checks on my desk to sign and every day we receive checks to be endorsed and deposited physically at the local branch [i know will sounds quite quaint to anyone reading this in europe or japan, but i kid you not, american business, government AND individuals still run on paper cheques!]. now i know all about this thing called ACH payments but have not been able to convince neither suppliers or freelancers to utilize this convenience.

    in addition to cumbersome checkbooks, i also have to deal with stacks of plastic credit, debit and atm cards across 3 businesses and my personal accounts. it has been in the news recently how president obama will regulate the credit card companies to protect consumers but, more than this, credit card companies dictate how merchants access charges and chargebacks with little government oversight. it is impossible to remember company assigned passwords to access the online management features and this is especially frustrating knowing that all these issues can be streamlined with existing technology.

    until genetic or iris scanners are commonplace, i suggest we all need a new card – the nookard™

    the nooka card – nookard™ streamlines access to all your financial tools into one single magnetic strip. a comprehensive web interface allows you to link any one of your bank accounts or credit cards to the nookard™. when you use the card at a terminal with a screen, a menu with all your linked accounts shows up for you or the shoppist to select. want extra security, add a password of your choice unique to each account or one as a master, or better yet, choose the "check photo id" option. not at a screen terminal? the account you select as primary will be used as a default. more than just that, you can protect the card by registering thes ites you shop on into the system so the card can never be used by anyone else. you can even require the extra security steps you choose for the check outs on the sites you frequent. the AMAZING thing about the nookard™ is the technology used to make all this magic happen – it's all existing for well over 10 years! why go use a time machine to go to the future when you can go back in time for innovation? WOW, the nookard can reduce average thickness and weight of your wallet by up to 99%!

    someone make it happen and call me if you need my advise.

    different angle of same post here.
    Thu, Jun 11, 2009  Permanent link
    Categories: design, Society, , finance
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