Credit Union - Groupon, Remote IT office mgmt, BoD packet, scorecard

Credit Unions provide financial services for a limited local membership group.  Their growth prospects are typically limited to a restrictive membership group.  They are member-owned, and may have lower salary structures.

For their membership group, allow a CU office send targeted Groupon-like ads to businesses in their membership group.  Could also serve businesses outside the membership group, at a higher price.

CU offices typically don't have an IT staff.  PC and firewall support is often outsourced.  Though it is little different from a small office, for marketing target a service to CUs.

For board of directors, provide an automated board packet generation service.  Include meeting minute template.

Provide system & process for generating business plan, targets, and for tracking execution with a scorecard.  Include in reviews of senior management for possible automatic generation based on variables (overall interest rate spread, charge-offs, etc).

FAX Service

Two types of service.

a) provide dedicated phone number for incoming & outgoing FAXes.  Scan and make available to use online & PDF.
b) provide infrastructure to allow VoIP companies to add this service for their subscribers using their existing VoIP phone number.

$6.59/month 500 Pages
Toll-Free or Local Fax Numbers
Send and Receive Faxes as Email
Integrations
Secure Faxing
Edit and Sign Faxes Electronically
Fax Alerts
Online Account and Fax Logs

Mobile Virtual Network Operator (MVNO)

MVNO firms have been around for some years.  They purchase airtime from carriers and do their own branding/marketing/sales/customer care billing.  Verizon's website has information on how to apply to buy large blocks of minutes and receive CDRs.

Barron's article on what is the likely future for mobile - people buy data not voice minutes and voice runs over data.  The article discusses "WiFi offload" and the steep technical challenges of consistently making it work.


The End of the Traditional Telcos
By TIERNAN RAY
I'm going to go out on a limb and predict that we'll see the end of the traditional phone company over the course of the next several years.

The reason for that is the pace at which data—e-mails, text messages, Web pages, tweets—is displacing plain old phone calls.

Data usage exceeded voice calls in terms of total cellular network traffic for the first time in December of 2009 ...



A new MVNO could target every prepaid customer, remote sensors and vehicle tracking.  Then expand to traditional post-paid.

App - Pay For User Demographics

App that pays people (maybe $1/month or free ice cream/coffee each month or credit on cell phone bill) if they run the app constantly.  The app will automate check-in and collect demographics info.

How to sell the demographic info to marketers for local advertising and coupons.