Some things I'd like to see on the web
Wednesday, January 25, 2006Here are a couple of ideas I think would be neato. Selling user created music compilations and online money management tools in your bank's online banking site.
Music Compilations
What if you could buy and sell compilations created by other people? A lot of activity in iTunes or other music software involves organising tracks into interesting play lists based on mood, situation, musical features and so on. It would be cool if you could share your play lists and earn a bit of a commission on the side. The selling would be totally legit, you'd simply earn a commission for the recommendation.
Some people have very eclectic tastes and have a knack for finding new music. I was listening to JJJ (a popular Australian, tax sponsored, non commercial radio station) and one of the guests said she was looking for a play list of 'breathing songs'. For some reason she wanted a play list of tracks that incorporated breathing noises. That's the kind of thing I'm talking about. She could research and publish the play list and then other users could opt to buy it via the traditional mechanism. She could link to it from her blog like the Amazon affiliate program.
I think it would promote musical discovery and experimentation and increase sales!
Online Financial Tools
There was this home budget system I read about ages ago called 'Money Bags'. You maintained virtual 'bags' of money for different purposes and every pay would be divided up between the bags. If you spend all your fun money from the fun bag, you'd have none until next pay day. It's supposed to make sure you still have enough money for the insurance bill (because the insurance bag was not touched). A budget tool like that is helpful but a pain to manage manually and seperately from your real money. Why not add it to the banks online banking applications?
Online banking sites might be a good spot for adding money management tools. They all seem restricted to viewing existing accounts and transferring money. Would you change banks if another bank added money management tools to their banking application? Hell, why not go the whole hog and create an online version of Quicken? Why isn't Quicken doing this?
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