26/11/2011 Click


26/11/2011

Click is in Turkey checking out new ways to pay using just a mobile phone. Are the Turkish government's attempts to offer a safer internet a step backwards for internet freedom?


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turbulence in North Africa. Now, it Where's my wallet? Where's my

:00:08.:00:18.
:00:18.:00:31.

wallet? Where's my wallet? There's Welcome to Click. I n Spencer Kelly.

:00:31.:00:36.

There is only one city on earth which spans two continence and this

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week, that is where we are. I am standing in Europe and that is Asia.

:00:42.:00:50.

They are both Istanbul. This week, Click is in Turkey to check out the

:00:50.:00:55.

checkout but would you be happy to kiss goodbye to your cash and load

:00:55.:00:59.

all your credit cards on your mobile phone? Plus it's a big week

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for internet freedom in the country and we ask whether the Turkish

:01:03.:01:06.

government's attempts to offer safer surfing are actually a step

:01:06.:01:11.

backwards. All that plus the latest to take news and some sharing sides

:01:11.:01:19.

that maybe music to your ears in Webscape. I'm on my way to one of

:01:19.:01:22.

the Istanbul's more trendy shopping malls to do was spot of shopping.

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Come on, I am paying. The reason I have come here to do what is

:01:31.:01:35.

because Turkey is one of the first places in the world where you can

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go into a shop and make a purchase using just your phone. You select

:01:40.:01:47.

your purchase, you handed to the cashier - thank you - and you

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choose which credit or bank card you want it to charge it to on your

:01:51.:01:55.

phone and just a touch it to the device on the cashier desk and

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you're done. And you very much. Decided uses a technology we've

:02:01.:02:10.

seen before. It is called Muirfield communication. NFC. And it used a

:02:10.:02:15.

chip which is activated by radio signals when it is played at near a

:02:15.:02:19.

reader. You might have seen these used to make a quick low-cost

:02:19.:02:23.

payments on transport systems of vending machines. The bank and

:02:23.:02:28.

credit card companies behind the in Turkey up your phone will become

:02:28.:02:32.

your mobile wallet and charge small purchases to any account you choose

:02:32.:02:37.

without having to produce a card or enter a PIN number. Those pesky

:02:37.:02:41.

paper receipts will also be replaced. Each time you make a

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purchase, the receipt will be stored digitally on your smartphone

:02:44.:02:48.

instead. You can also set one of your credit cards as the default if

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you do not want the hassle of choosing from your selection each

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time. Sounds fast, sounds convenient but despite being around

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the years and continually lauded as a replacement for everything from

:03:00.:03:06.

cash to barcodes, so far, NFC has not taken over the world. But it is

:03:06.:03:13.

becoming popular in some countries, including here in Turkey. I love

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Istanbul. It is such a vibrant place and you really do feel like

:03:16.:03:21.

you're in a big mix of continents and cultures. Take the signs, for

:03:21.:03:24.

example. The letters looked European but the words themselves,

:03:24.:03:30.

not so much. A dry through rush- hour, even in the European part of

:03:30.:03:38.

the city, and you feel like you're in Asia. -- drive. Sometimes at

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technology needs a little chaos to get going. Here and a country which

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is still classed as a developing nation where no-one system has yet

:03:46.:03:51.

become established, new ideas have less of a problem getting excepted.

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In the UK orange Germany, banks have a very high penetration rate

:03:55.:04:01.

in terms of blotches and customers in England, in Germany and other

:04:01.:04:05.

western European countries. -- branches. They are used to

:04:05.:04:09.

traditional banking methods so I can go to my right and set up a

:04:09.:04:14.

direct debit, even online banking. Because in Turkey, the steps that

:04:14.:04:17.

happen so quickly, customers it didn't need to really get used to

:04:17.:04:23.

it. And when people use cash, banks and credit-card companies don't get

:04:23.:04:28.

a look-in. That is something that this replacement for low-cost quick

:04:28.:04:33.

transactions is designed to address. People can go into the banks to

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open checking accounts. We did not have cheques. We moved from Cash

:04:38.:04:42.

into credit cards. Not everybody can get a credit card because of

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credit worthiness. Income Documentation and so forth. Now

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what is the time for us to look at youth and women who do not work so

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that is one of the reasons why we are trying to utilise NFC contact,

:05:00.:05:04.

to go into pre-paid cards and debit cards and make those products

:05:04.:05:08.

attractive for those segments to don't get a credit card but you

:05:08.:05:14.

still want to do modern banking. Quick transactions like buying a

:05:14.:05:19.

popular newspaper just by tapping the phone, that is an area where

:05:19.:05:24.

PayPal helps tremendously because you do not need to take your card

:05:24.:05:29.

out to pay for something. That is an area where as a business and

:05:29.:05:33.

financial industry we are not exposed to run that is a big market.

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Over the last 20 years, Turkey has developed a love affair with credit

:05:37.:05:42.

cards. Shops are awash with advertisements for loyalty schemes

:05:42.:05:47.

for customers to use particular cards for particular purchases. You

:05:47.:05:51.

hit even use your credit card to send cash to someone else via your

:05:51.:05:55.

mobile phone, using a function in your Sim menu, you choose the

:05:56.:06:00.

mobile phone number of a friend in need and a choose a text message

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with a special code. They enter that code at any cash machine and

:06:04.:06:08.

out popped the emergency funds which are charged to your credit

:06:08.:06:12.

card. You could even use it to text yourself some emergency cash should

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you leave home without your wallet. So as NFC struggles to become

:06:16.:06:20.

accepted in many countries, but did the technology has found a home

:06:20.:06:25.

here. Shopping for groceries, buying a coffee or a cinema ticket

:06:25.:06:29.

can be a matter of wafting your contact plus card in the general

:06:29.:06:34.

direction of the till. In fact, banks loved her convenience of NFC

:06:34.:06:40.

that they will send you an NFC key ring, as Deagon contact plus card

:06:40.:06:45.

and would you believe, you can also get an NFC watch. Each of these are

:06:45.:06:48.

tied into one of your credit cards and they are designed to make

:06:48.:06:53.

payment that little bit quicker and more convenient. Countries like

:06:53.:06:57.

Japan and Singapore have been using an F.C. For years. In the US,

:06:57.:07:03.

Google is hoping its wallet service will become a one-stop shop for all

:07:03.:07:06.

payments were online or off-line, storing everything from your credit

:07:06.:07:12.

cards to your loyalty cards. While a new report suggests that contact

:07:12.:07:16.

list technology will reach a critical mass by 2016 in the UK,

:07:16.:07:20.

Turkey is Devon at the leading the charge and the West. Now here's a

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funny thing. Although NFC is already really well established in

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Turkey, it is the mobile phone industry that is having to play

:07:28.:07:32.

catch-up. There are currently hardly any mobile phones on the

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markets that have NFC chips built- in. In order to kick-start that

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industry in Turkey, you can retrofit any old mobile phone with

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an NFC chip. What you do is get this annexe adaptor and you fitted

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behind the Sim card in your phone. -- and F.C.. You can see here is

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the radio antenna which works with NFC and on the adapter is a little

:07:58.:08:02.

bit of software which adds a menu function to your phone. So for

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example I've got a pretty basic feature phone here. It does not

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have an FC. It has the adaptor racked by but factory which means

:08:11.:08:16.

if you go to the menu and you scroll down to some functions and

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there you can see the option to make the payment to any of the

:08:21.:08:26.

cards you have linked to your account. But how secure is this

:08:26.:08:30.

system? After all, if someone steals your cash, at least you know

:08:30.:08:38.

how much you have lost but if they steal your card, what is to stop a

:08:38.:08:45.

pickpocket using it over and over again? If someone steals your card

:08:45.:08:49.

and uses that card to tap into purchases, you only have a limited

:08:49.:08:54.

number of transactions you can do and also a limited number of

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control a match you can spend. That is a risk that the banks are

:08:58.:09:01.

willing to take because it provides a convenient solution to the

:09:01.:09:05.

consumer. So will it work? While the older generation may be

:09:05.:09:10.

reluctant to trade and their cash or plastic, silicon and class, it

:09:10.:09:17.

is the younger, international- thinking, cinema-going tweeting and

:09:17.:09:23.

Facebook going population which may help NFC catch on.

:09:23.:09:29.

What do you think? Will NFC catch on globally or will it always be

:09:29.:09:36.

confined to individual markets all countries? Let us know. Next, a

:09:36.:09:41.

look at this week's take news. Pakistan's telecoms agency has

:09:41.:09:44.

backed down over a proposal it made just a few days earlier banning

:09:44.:09:48.

hundreds of words including nude, gay and devil. Under heavy public

:09:48.:09:50.

criticism, it now says it will consult with mobile operators

:09:50.:09:56.

before deciding whether or not to proceed with the ban. Microsoft's

:09:56.:10:00.

motion-sensing device Kinect is to receive a makeover. It's being made

:10:00.:10:03.

available for PCs and will allow gamers in confined spaces to stand

:10:03.:10:07.

closer to the device. Meanwhile, its voice-activated capabilities

:10:07.:10:10.

will be far better integrated into the Xbox itself through Bing,

:10:10.:10:16.

Microsoft's search engine. It's part of an overhaul to the user

:10:16.:10:21.

interface expected in a couple of weeks' time. Yet more trouble for

:10:21.:10:24.

RIM as a new study reveals even its core business customers appear to

:10:24.:10:27.

be abandoning their beloved BlackBerry is in favour of the

:10:27.:10:33.

iPhone 4S when they upgrade. -- Blackberrys. Meanwhile,

:10:33.:10:36.

disappointing sales of RIM's PlayBook tablet have prompted a

:10:36.:10:40.

fire sale in the US, slashing the price tag by more than half to $199.

:10:40.:10:42.

Still, it's in good company. Google's much-derided Chromebook

:10:42.:10:50.

has also been discounted by more almost 20%. On which note, this

:10:50.:10:54.

cupcake maker found she bit of a bit more than she could chew after

:10:54.:10:56.

she registered an off from that world's biggest daily deal site,

:10:57.:11:01.

Groupon. Rachael Brown, who own Need a Cake bakery, underestimated

:11:01.:11:04.

the number of buyers it would attract and found herself baking

:11:04.:11:07.

8,500 instead of her usual 100 orders. After hiring extra staff to

:11:07.:11:11.

work extra hours to fulfil the order, she ended up wiping out an

:11:11.:11:21.
:11:21.:11:22.

entire year's profits. There's a We have trouble to a lot of

:11:22.:11:26.

countries on Click and every so often, we find ourselves in a place

:11:26.:11:30.

where internet access is not as free and easy as we are used to and

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not because we cannot get a connection but because access to

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certain parts of the net is censored. Turkey is one of those

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countries and this week, that censorship is getting much tougher.

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These were the scenes back in May, when the Turkish Government first

:11:44.:11:52.

announced its plans to change the way it altered the web. -- filtered.

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Taking the lead from other protests around the Middle East, Turkey's

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netizens were encouraged to join the protests which focused on an

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upcoming date, 22nd August, a date the media labelled the death of the

:12:01.:12:07.

internet. The Government was proposing that all net users sign

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up to one of four packages offering various levels of filtered access

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to the Web. In keeping with current restrictions, even the most liberal

:12:13.:12:17.

wasn't to be that open, banning erotic sites as well as certain key

:12:17.:12:26.

words. Anyone trying to circumvent the system by using, for example,

:12:26.:12:31.

proxy servers would feel the full force of the law. But just months

:12:31.:12:34.

later, amidst mounting public pressure, the government has

:12:34.:12:39.

partially backed down. As of this week, the new regulation asks users

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if they want to sign up to a safe internet package or carry on

:12:43.:12:53.

surfing the Web in the same way they'd been used to. Still, that's

:12:53.:13:03.
:13:03.:13:03.

cold comfort to its critics. They say as many as 20,000 sites are

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already blocked, not just at home but at internet cafes too, and not

:13:07.:13:10.

just porn but also political sites hostile to the government, as well

:13:10.:13:15.

as sites offending the sensibilities of the nation. In

:13:15.:13:20.

2008, YouTube famously felt the wrath of the authorities. The site

:13:20.:13:23.

was blocked for more than two years after it hosted videos insulting

:13:23.:13:26.

Ataturk, Turkey's founding father. But the critics argue that until

:13:26.:13:29.

now, at least banning offensive Turkish sites required that the

:13:29.:13:31.

government apply through the courts in an open and transparent process.

:13:31.:13:34.

Under the new measures, that authority will rely solely in the

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hands of a small executive committee in the Turkish

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communications agency, the BTK, who can simply censor sites at will.

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It's a measure now facing strong opposition from a group of

:13:46.:13:51.

academics. We caught up with one of them, Dr Ozgur Uckan, about his

:13:51.:14:01.
:14:01.:14:02.

What concerns you about the new system? The internet is already

:14:02.:14:05.

censored here in Turkey. Centrally filtering internet, you need a kind

:14:05.:14:10.

of global system. You need to monitor everybody. We think it's

:14:10.:14:16.

some 30 million internet users here. The BTK had 200,000 ask them to

:14:16.:14:23.

filter internet. It is something, 2-2.5% of all internet population

:14:24.:14:30.

of Turkey. And why they should monitor everybody for this minority,

:14:30.:14:35.

OK, because they will monitor everybody. They will monitor our

:14:35.:14:39.

internet use, etc, and it's against law, it's against the constitution.

:14:39.:14:43.

Because privacy is a constitutional right. The government here disputes

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this and says it won't be able to prosecute anybody it monitors as

:14:46.:14:52.

gathering data is against the law. What kind of sites are we talking

:14:52.:14:56.

about that you're worried will be blocked that are based here in

:14:56.:14:59.

Turkey? Mostly they will block a lot of erotic sites, pornography

:14:59.:15:08.

sites, erotic sites but also political sites, they can block.

:15:08.:15:11.

And which they can easily define erotic, for example, a social

:15:11.:15:20.

network of gay people. The problem is that the Government want to

:15:20.:15:30.

impose a kind of moral value to everybody. Would the solution then

:15:30.:15:33.

be to simply make it more transparent for the government to

:15:33.:15:37.

publish a list of sites they've chosen to censor? No, they will not

:15:37.:15:41.

publish at all and we ask a lot of times with them, using freedom of

:15:41.:15:44.

information laws, but they didn't respond and it's not transparent at

:15:44.:15:48.

all. There are several governments around the world that argue they

:15:48.:15:50.

are simply protecting their population from seeing unsuitable

:15:50.:15:56.

content. We have a lot of professional tools and if the

:15:56.:15:59.

government want to protect the population, they can give money

:15:59.:16:09.
:16:09.:16:10.

because we have already a lot of funds with the taxpayers. They can

:16:10.:16:13.

give the money to ISPs and ISPs can buy these professional tools and

:16:13.:16:17.

offer them for free. Dr Uckan says the solution should not be a

:16:17.:16:20.

universal block but better education on how to avoid the

:16:20.:16:26.

internet's more unsavoury areas. You have the pool and you have the

:16:26.:16:36.
:16:36.:16:38.

swimmers, OK? You cannot create a very 100% safe pool to everybody.

:16:38.:16:41.

You have to teach how to swim to people, otherwise you just shut

:16:41.:16:47.

down the pool and that's all. This is the easiest way to explain.

:16:48.:16:54.

Another thing, they use this safe internet terminology. It will not

:16:54.:17:01.

be safe at all. Selling the system as a safe system is a PR tactic

:17:01.:17:07.

because they will even not use the term filter in their decision.

:17:07.:17:10.

they are asking people if they want a safe internet package? For me,

:17:10.:17:17.

the safe internet is a more technical way. You can have

:17:17.:17:20.

protection for trojans, you have protection about... Viruses,

:17:20.:17:25.

malware, phishing attacks. This has nothing to do with that. This is

:17:25.:17:33.

purely for filtering and censoring the internet. Thank you very much.

:17:34.:17:38.

This is always a hot topic so why not tell us whether you think

:17:38.:17:41.

governments should ever get involved in internet filtering. Or

:17:42.:17:46.

do you think that will only ever lead to a politically motivated

:17:46.:17:51.

censorship? Contacted Beatles coming soon. There are already a

:17:51.:17:59.

huge number of ways to share your music tastes online. But as the

:17:59.:18:03.

social web continues to plough through every genre like a

:18:03.:18:06.

juggernaut Kate Russell has got even more social with her music

:18:06.:18:14.

sharing. Facebook recently announced a music dashboard that

:18:14.:18:18.

lets friends see and share what tracks they are listening to. The

:18:18.:18:23.

music button should now be under your apps menu in your home page

:18:23.:18:28.

side bar as well as your friends peaks there are songs and Minster

:18:28.:18:33.

featured music services. It is fair to say that not everybody is a

:18:33.:18:39.

Facebook fan. Spotify have come under fire from their premium

:18:39.:18:43.

members for the forced Facebook time. If you consider yourself more

:18:43.:18:49.

of a Twitter na Facebook, here is a funky tool that is used -- very

:18:49.:18:59.
:18:59.:19:01.

easy to use. Relive dot TV is the web address but you cannot even

:19:01.:19:08.

need to go there to use it. By tweaking the track, the site will

:19:08.:19:14.

build a YouTube list that can be accessed. The downside is that

:19:14.:19:18.

there is no click through to by the track and the quality of the video

:19:18.:19:23.

and sound can be a little ropey if there is not a decent quality on

:19:23.:19:33.
:19:33.:19:34.

YouTube. But it is super fast and easy to use. There is one more

:19:34.:19:41.

application I want to show you. This is for the iPhone. It is a

:19:41.:19:48.

free download and turns your phone into a radio station. The play list

:19:48.:19:55.

that need to be made through sound cloud. Then are you start listening

:19:55.:20:05.

and you are automatically broadcasting. I cannot think of a

:20:05.:20:09.

better way of listening to the same music as your friends when you are

:20:09.:20:13.

out and about without disturbing everybody else. No more sharing

:20:13.:20:18.

headphones if you want to dance along to the same tracks. Sorted.

:20:18.:20:23.

You can also choose to just listen to a broadcast happening around you.

:20:23.:20:28.

It is early days so you might not find that much choice, especially

:20:28.:20:33.

if you were somewhere remote. But there are options. You will always

:20:33.:20:40.

find something to listen to. If you have a passion for the written word

:20:40.:20:43.

and like to discover unsigned talent here is a community website

:20:43.:20:49.

you might get a lot out of. If you have some writing to publish you

:20:49.:20:54.

can put it here for other people to enjoy a with all the usual features

:20:54.:20:59.

so you can get feedback. Categories and genres are wide-ranging to

:20:59.:21:03.

cater for every need, which is great if you have just signed up as

:21:03.:21:07.

a reader. The social aspects of the site allow you to give feedback on

:21:07.:21:13.

works in progress. That is valuable for everyone trying to improve

:21:13.:21:23.
:21:23.:21:24.

their writing. Finished stories and poems are available through the e-

:21:24.:21:28.

book store which gives a generous 77% commission. This is a community

:21:28.:21:38.

website with a homely feel. Google Plus users might have seen their

:21:38.:21:42.

scores go up on Tuesday as the social media ranking service has

:21:42.:21:46.

added a Google's fledgling network to their infinite scoring

:21:46.:21:56.
:21:56.:22:05.

And finally, up and coming pop punk band with the King's launched a

:22:05.:22:10.

video version of their latest track this week. The Gaming elements are

:22:10.:22:15.

not ground-breaking, it is more pomp and circumstance, but the old

:22:15.:22:18.

school styling might attract a different kind of audience. It is a

:22:18.:22:28.
:22:28.:22:32.

good example of getting technology to work for promotion. That's it

:22:33.:22:37.

from us in Istanbul. Don't forget, everything from the programme is up

:22:37.:22:46.

on the website. That includes the links. This week click radio

:22:46.:22:50.

discovers how you teach computers to recognise over one million

:22:50.:22:54.

Click is in Turkey checking out the new ways to pay using just your mobile phone.

Are the Turkish government's attempts to offer a safer internet actually a step backwards for internet freedom?

Includes web reviews and tech news.


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