JJB Blog

Payment Models

Looking at the panels beforehand, I thought yesterday would be a lackluster day at SXSW. But in the morning I went to two really excellent panels. Open Science, and Commons-Based Business Models, both of which had stellar lineups and lots of great discussion.

In Commons-Based Business Models I asked the panelists if there were any revenue models other than advertising that might get some legs in the next decade or so. I sited micropayments as the pie in the sky that in many ways Makes Sense, but perhaps consumers would never be able to get past the threshold. The responses brought to light some very interseting things:

The iTunes Music Store model is not quite what I consider The Micropayments Dream. To me the micropayments model is pay-per-click: a fraction of of a penny for most pages, up to a couple dollars for some content like music and videos.

The panel got me thinking: one of the major problems with transitioning to micropayments is having a centralized service, so that users don’t have to give their credit card number to every single site they visit. What if Apple started offering micropayment services? Users would visit arbitrary sites using only their micropayments account from Apple.

Apple could make a killing. They would get a cut of all content transactions on the internet.

Of course, any other company that has a massive existing userbase is also in a position to begin offering this. Yahoo and Amazon come to mind. But Apple is the only one that is really doing anything that looks like micropayments.


3 Comments

Dude, you’re right on about Amazon in that area. Before I even got to the last paragraph, they srpung to mind. What with their web services stuff (mechanical turk and the storage thing), they’re more and more into being a web platform it seems.

Posted by Cote' on 19 March 2006 @ 2pm

for some counter arguements, check out Fame vs Fortune: Micropayments and Free Content by Clay Shirky, or Micropayments, microprobability by Daniel Davies (especially the comments in the later, which talks about Apple)

Posted by Jonno Downes on 20 March 2006 @ 6am

I am wondering how the micropayments model is managed, can anyone help?

Inquiring

Posted by Cara on 26 December 2007 @ 6pm

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