http://www.thisislondon.co.uk/standard-business/article-23773417-i-want-that-cow-the-rise-and-rise-of-virtual-gaming.doThe worldwide market for virtual goods is expected to approach $5 billion this year. Within a week of its launch last month, online game company Zynga's new Café World game for Facebook already boasted ten million players. It turns out that only around 10% of players ever buy anything in these games.Farmville, another game from Zynga that started only this summer, now has over 60 million monthly users. If only a tenth of them spend a mere $5 on extra cows or tractors in November, that's a cool $3m in the bank — per month.The companies responsible for the vast majority of the most popular free-to-play social games are new — outfits like Zynga, Playdom and Playfish, which were all founded in the last couple of years. Those three alone are set to reap over $300 million in virtual goods revenue this year, numbers that have veteran game makers running scared. Just last week, computer games giant EA bought the UK-based Playfish for $275m in cash, a move widely seen as an admission that they'd been focused too much on the way things used to be rather than the shape of things to come.
Financial Digital Actual = CREDBehaviour Behaviour Behaviour Ability to be a Ability to Ability to be Movenbank = CRED manage trusted advocate moneyPFM, DDA, Lo LinkedIn, eBay,ans, Savings, I Facebook, Twitte Movenbank = CREDnvestments … r, Prosper … gamification = CRED
Fidor Bank thinks different! Fidor Bank = GLOBAL PEER TO PEER BANKING. Crowdsourcing, e. g. with a user-community, that allows peer-to-peer support, sharing of experiences and cooperation in order to solve financial questions; Crowdfunding, e. g. by getting paid by the bank for specific social interactions within Fidor Bank Community; User co-designed Products and user driven Prices, e. g. Product suggestions within the community, „Zins-Consenus-Group“ within Fidor Bank Community, „Like-Zins“, an interest rate that is directly connected to the amount of Likes on Fidor Bank´s Facebook profile. Crowdfunding, via third party platforms such as startnext and others; Peer to peer lending within FidorPay Account; A global payment offer, that will allow „account to account“ payments or „account to cash pick up“.
Fidor Bank´s Customer „phase in“ allows efficient marketing spendings. 2011: proof of concept €100,000 Communication Spendings since Kick off 75,000 top Line User registrations year end 2011 €1.33 Cost per Registration 6,000 full KYC Customers in avg 2011 €16.7 Cost per Full KYC Customer in avg 2011 €14.83 net income/full KYC user in 2011