Dutch Banker goes Supermodel

Dutch Triple A rated bank Rabobank has been fiddling around with gadgets, widgets and virtual worlds a lot in the past years. Their first metaversal experience came from Why Robbie Rocks and in april 2008 the bank hit the typical avatar-based 'girlworld' goSupermodel targeted at a 12 to 17 year old audience, loosely styled like Habbo Hotel.

goSupermodel has about 250.000 unique visitors a month, which log in about 200 times a month and spend 22 minutes each session. Rabobank has launched a chatbot, called Yvette. Through the chatbot Yvette you can ask questions about finance. This financial coach is also reachable through SMS, MSN, Hyves and Live-spaces.

Actual numbers from the first week of operation are promising:

• 5.881 mails to Yvette
• 25.901 chatsessions with the girls
• 44.305 visits to the Rabobank office

The Grand Ducale and Grand Duchy of Luxembourg

The Grand Ducale

Sticking in the same region as my former blogpost on the Belgian recruitment sim of Vacature Reference there's another one from the Grand Duchy of Luxembourg , not surprisingly called "Grand Ducale" which is surrounded by sims called Luxemburg Careers and Luxemburg Business. Unlike the "Grand" part of the official name, Luxemburg itself is a pretty small country, I have no doubt there are ranches in the US and Australia which have larger backyards. A little history:

"The recorded history of Luxembourg begins with the acquisition of Lucilinburhuc (today Luxembourg Castle) by Siegfried, Count of Ardennes in 963. Around this fort, a town gradually developed, which became the centre of a small state of great strategic value. In 1437, the House of Luxembourg suffered a succession crisis, precipitated by the lack of a male heir to assume the throne, that led to the territory being sold to Philip the Good of Burgundy. In the following centuries, Luxembourg's fortress was steadily enlarged and strengthened by its successive occupants, the Bourbons, Habsburgs, Hohenzollerns, and the French, among others. After the defeat of Napoleon in 1815, Luxembourg was disputed between Prussia and the Netherlands. The Congress of Vienna formed Luxembourg as a Grand Duchy in personal union with the Netherlands. Luxembourg also became a member of the German Confederation, with a Confederate fortress manned by Prussian troops." (Wikipedia)

The triple sim setup is not about promoting Luxembourg by displaying it's landmarks, but is a rather cartoonish carnival of recruitment stands. It's lively colored and an original design. I like the small details like the sculpted trees and the overall quality of the build.

To get down to business, most of the time sites like these are rather empty, but it seems they are preparing themselves for large recruitment event, not only aimed at Luxembourg, but

The 3 sims, taken together, provide a large recruitment facility. The first event was actually held at the end of November, 2007, to recruit staff for GAX Technologies. I think this may have been something of a proof of concept, since GAX are (I think) the builders of the site. According to the Working Worlds website, the next fair is on the 28th March, 2008 - though the information on the island itself points towards a fair on 29th May. (Aleister Kronos)

Some familiar names appear (again), like recruitment companies Randstad and Manpower, both active in Second Life as well and a number of dedicated spaces for clients like Dexia (finance)

SLURL: http://slurl.com/secondlife/Grand%20Ducale/128/128/0

The Grand Duchy

There's also a sim out there called "Grand Duchy" which seems to be the national immersion zone for Luxembourg, but aside from a few shops it's still rather empty and under construction.

SLURL: http://slurl.com/secondlife/Grand%20Duchy/128/128/0

PS: I'm having a Technorati-frustration at the moment. It hasn't updated my blogposts for a while now. Either I screwed my rpc-ping settings when I changed the template, or Technorati is screwed for the weekend.

Virtual Banking (16): Keytrade

Upon posting the update RL Brand Directory for Second Life just before the weekend, I received a number of tips on Belgian firms from my pal Pieter Bosch over at the Second Life Crew blog. One of them was already on my to do list, the Keytrade Bank. So, moving from Italy's Banca Carige to Belgium's Keytrade Bank would be a nice contrast.

The Belgian Keytrade Bank is an internet bank and is a 100% subsidiary of Crédit Agricole, also present in Second Life and blogged here at MindBlizzard in summer 2007.

Belgium's first online investment site VMS-Keytrade, saw the light of day in 1998. It experienced immediate success and dazzling growth. In 2002, VMS-Keytrade became Keytrade Bank and acquired its banking status by taking over RealBank.

Today, Keytrade Bank is part of the Crédit Agricole Group, one of Europe's largest banking groups (total assets of € 913 billion and own funds of € 66 billion).

The bank's build is quite simple: One main office at a small island, a little gardening to liven up the terraforming and that's it.

On the inside, there's a difference though. It's quite spaceous, with several seats and small offices filled with Scope Cleaver design.

Upon entering you cannot miss the sim's prime feature: The exchange. This is one of the first actually usefull features I've seen in visiting 16 banks and various financial corporations in Second Life as it gives a live exchangerate of the Linden Dollar against various currencies.

Aside from the live exchange, you'll find some freebees (T Shirts) and a nice Zeppelin to fly over the island. We're not done yet. Among the freebee stands, there's another usefull tool to be found: A HUD which also gives you the conversion rates plus financial news

"KEYTRADE BANK and DOW JONES NEWSWIRES launch on Friday the 23rd of November 2007 a NEW second generation Financial NEWS and Currency Conversion HUD in Second Life.This second generation HUD features besides the currency converter with Real Time currency conversion rates of 12 different currencies in relation to Linden $ now also Real Time FINANCIAL NEWS from DOW JONES NEWSWIRES.The NEWS are accurate financial breaking news and headlines, together with rolling commentary and in-depth analysis.With a click of a button on the Keytrade Bank
HUD a stylish news screen slides out of the HUD and displays more than 2000 characters of financial NEWS.The slide screen displays the NEWS with a Headline and date. You can further browse the NEWS feed by simply clicking on the page arrows." (SL Newspaper BNC)

Although I can't say the build is spectacular, the HUD and exchange make up for it as this actually is a serious attempt at connecting the RL and Virtual markets.

SLURL: http://slurl.com/secondlife/Keytrade%20Bank/128/128/0

Virtual Banking (15): Gruppo Banca Carige

Sticking in the Italian corner, there's the Gruppo Banca Carige, one of the many banks in Second Life and the 9th largest bank in Italy with a market capitalisation of 3.0 billion Euro's.

One of the things the bank boasts about is its international orientation;

At last a bank that cares for those who come from afar. The Banca Carige Group has created "Carige Senza Confini", the account that speaks every language in the world. But that's not all: Carige Senza Confini offers you an international
prepaid card to make payments and withdrawals, a money transfer service, a mortgage for your new home in Italy and much more. Carige Senza Confini is a service dedicated to all foreign nationals with residency in Italy.

Although, at the sim there was one building dedicated to the Senza Confini account, the only language on the sim was Italiano again. Let's have a look at the build:

It's main venue is something what I'll be calling Italian style. I've seen quite a number of Italian builds which have typically arched constructions build with aluminium and glass. The main office is dominated by the sound of silence.

Again it's hard to find a business sim that hasn't been blogged by Al Kronos already, and this one is no different:

"The previously mentioned Leisure Area seems to take up around a third of the island, with a (short!) golf course, tennis court, gym and pool. In a nod towards the city of Genoa, there seems to be a recreation of the city's
lighthouse. But we've not finished yet - no sirree. There are several more buildings - all largely complete: a recruitment office; an overseas relations office and meeting spaces for both domestic and business clients. Oh... and
finally, there's a dance area. Phew! And all of these set around an ornamental lake. It is a neat piece of juggling to fit in all of these features without it looking strained and crowded."

Here are the snapshots of the assorted melee of buildings:

SLURL: http://slurl.com/secondlife/CARIGE/128/128/0

ABN metaverse update

Today I visited the Virtual World Seminar at the University of Delft and finally had time to sit down and talk with Popke Rein Munniksma, the team leader of ABN's 3D Experience and with Emmanuel Gruijs, CEO for Active Worlds Europe. In the past week we have had some contact on the blog ING and ABN flee Second Life which caused a little stir in the blogosphere.

First, of all, one of the remarks on the initial entry read:

"Maybe it has something to do with the company being taken over by Fortis."

Although the future isn't certain this has been denied completely. The takeover is not affecting ABN's presence in any way at this point in time. ABN is sticking in Second Life, but is indeed shifting focus to be able to do real business.

Popke Rein said: "As a bank we have the need to have 1 on 1 contact with our customers behind closed doors." By being a bank ABN is bound to very strict privacy and compliancy rules which make it impossible for them to conduct business in Second Life, hence their move towards Active Worlds.

Overview of ABN in Second Life

In December 2006 ABN Amro was the first European bank to enter Second Life and rode the wave of mass media attention perfectly. They primarily entered with a "just do it" mentality. Their initial 4 islands and offices have grown towards a 27 island presence at it's peak, but is being downsized now. A team of 4 full time employees on average has build and rebuild every experience over and over again, mainly based on user feedback (so I'm estimating a budget of close to 1 million euro).

Every build was an experiment to see to which part of the Bank's business they could find a virtual extention as they are convinced that Virtual Worlds are here to stay.

"Remember who said "The internet, we are not interested
in it," in 1993! That won't happen to ABN when it comes to virtual worlds. Every step the team made had to be checked with risk management and compliancy and other regulatory organs within the bank. We cannot afford to do that, go through that whole process, once virtual worlds become mainstream. Then it's too late."

That process of going through regulatory motions has become quite clear in their TechnoDesk and Tradeglobe sims in Second Life. In Real Life ABN has 5 TechnoDesk offices close to the 5 Technical Universities in the Netherlands. In these offices the bank offers information for High Tech startups and when looking at the population of Second Life, this was their logical 6th office.

The TradeGlobe is ABN's private banking vehicle with which they come into contact with their shamingly rich clients. In Second Life they've held investment meetings and so on.

Over the past year, the ABN greeter, the lovely Mrs. Jung, has had over 1.100 real business conversations with interested customers, which is more than the average local bankemployee has. In this regard, Second Life has been a success for the bank.

However, due to privacy rulings they found they would never be able to achieve one on one advice and were limited to general information only. Because of it's conservative nature and regulations the bank needs a secure environment to conduct one on one business. Active Worlds can offer this, said Emmanuel Gruijs on the growing affection between their world and the Dutch banker.

Trivia:
Popke Rein said: "Remember who said "The internet, we are not interested in it," in 1993!

Do you remember who said this?

ING and ABN flee Second Life

Following American early adopters Wells Fargo, AOL and Pontiac, the Dutch exodus from Second Life has started. Banking corporation ING, who initiated the Our Virtual Holland sims are withdrawing from Second Life.... Destination unknown. Residents of the OVH are now trying to make the islands survive the departure and it looks like they will be able to keep the community alive. The ING HQ in Second Life has been torn down though.

The second Dutch banker in Second Life, ABN Amro, is said to be leaving as well. The Word on the street is that they're disappointed by the level of interactivity they've gotten in Second Life and are moving on to a dedicated world on the Active Worlds platform.

For many of us this won't be a big surprise. Many bankers have entered the world of Second Life in 2007, but few have been able to find a concept which comes close to their real world activities, even though virtual economies and in particular that of Second Life are among the fastest growing economies in the world.

Virtual Banking (14): Banco Itau

Allthough some virtual worlds host the fastest growing economies in the world, there isn't a bank to be found that takes its business to the Metaverse. The latest financial corporate build in Second Life, Brasilian based Banco Itau is no different.

"Banco Itau began in 1945 under the name Banco Central de Crédito and later changed its name to Banco Federal de Crédito. In 1964, Itaú Holding merged Banco Federal de Crédito and Banco Itaú. Later that decade, Banco Itau acquired Banco Sul Americano (1966) and Banco da América (1969).

Banco Itaú it is a private-owned bank with its headquarters in São Paulo, Brazil. It is the second largest private bank in Brazil, after Bradesco. Itaú now accounts for about 11% of the Brazilian market for retail banking services. It is the most important affiliate of Investimentos Itaú (Itaúsa), a large conglomerate that ranks among Fortune magazine's top 500 corporations in the world." [source: Wikipedia]

Currently the Banco Itau uses half a sim, spread over three buildings:

1. A welcome stage,
2. An information center,
3. An auditorium.

Somehow I've got some problems snapping a good shot from a certain distance with the Windlight Client, even with draw distance at 256 m. so excuse the lines in the first pic.

In general the build looks of good quality, but because it's only half an island I wonder if the build is half done, or they just ran out of ideas. The design would be worth expanding to a full sim. The banks focus seems to be the climate-hype with lots of information on Kioto, energy etcetera in the central info center.

The most prominent feature of the island is the auditorium though.

SLURL: http://slurl.com/secondlife/Itau/128/128/0

The value of Virtual Money

The dust seems to have settled on Linden Labs recent 'Banning of Banking Activities'. A long overdue statement by Linden Labs who have taken a stance against malicious scammers, some who have managed to acquire over 700.000USD in two to three years. Several banks have protested, as well as several clients and residents. Casualties of this decision by claiming to do fair and honest business, or just general concern to get their money back.

But what caused the most controversy in my opinion is the fact Linden Labs seems to have acted as a 'Network Overlord', ruling law between citizen disputes. In earlier 'bannings' many felt Linden Labs hand was forced by long existing, international real world laws, such as the gambling policy and the stance against 'ageplay'. Dramatic extrapolations of this decision to ban banking speak of moral policing, where Linden Labs as owner of Second Life begins to seriously force their own values on their users resulting in the following question: Is Linden Labs policing citizens, interfering with things that aren't their concern in the spirit of free economy?

I don't think they did, I think they struck first at a potentially very dangerous, juridical situation, and here is why:

The value of the Linden Dollar

Just because the residents of Second Life pay money for their virtual 'credits' doesn't make in real money. You won't be able to exchange it outside the realm of Second Life, or Second Life related websites, its value is bound to the laws of its software (or rather its popularity), and it has a lot more flexibility than a real currency. But the Linden Dollar has more resemblance to real currency than any other 'gaming money'. It can be bought and redeemed at variable costs, based on supply and demand. There is an overseeing institution and it can buy services, even products not related to the software (Second Life) itself. But even though the Linden Dollar has some properties to qualify for a real currency - its not in the eyes of the current juridical system. So why then, would Linden Labs be afraid of lawsuits resulting in scams based on this 'play money'? As Rheta states in the comments - Couldn't Linden Labs easily claim "banking is a game activity like any other, and that losses are no more prosecutable than losing a fight in Counterstrike?"

Law & Order in the Metaverse

Even if the Linden Dollar is just 'Virtual property' instead of real money it doesn't put Linden Labs (or its users) in the clear. In the Netherlands a group of teenagers recently got arrested for 'Virtual Theft'. In the virtual chatbox Habbo Hotel they scammed furniture out of the account of several other players. Habbo Hotel works a bit different in the way that teenagers pay Habbo Hotel in order to get their 'online credits' - credit cost US$5.25 per 25 Habbo Credits. The players (mostly teens) are able to buy furniture of the Habbo Hotel owner, the Sulake Corporation - and only of the Sulake Corporation - to increase their status within the community by 'pimping' their rooms. This furniture can then only be traded, and Habbo Credits can not be changed back into real dollars.

But what the Habbo incident has proven is - at least in the Netherlands - Virtual Property has juridical value. It can be stolen, and the thieves can be held responsible for real life laws. In October 2007 a bank collapsed with estimated assets of over 700.000USD, the Habbo Hotel thief stole furniture worth about 4.000 Euro. Linden Labs new policy is only a confirmation of what can only be the logical conclusion to a fact real life laws have yet to catch up on in meatspace. The Linden Dollar is real money, real property, and stealing it is real theft. Not part of the gaming process.

Linden Labs strategic decision

So to answer the question "Is Linden Labs policing citizens, interfering with things that aren't their concern in the spirit of free economy?" - No they are not. The banning of banking activities was a preventive strike at what could be a major problem for the Virtual World in the near future. Linden Labs has declared their money 'real'. Real money, real scams, real crimes, and by doing so they have paved the way for the continued development of Second Life as a serious Business Platform. It fits perfectly in the line of banning gambling and 'ageplay' because of international law, it's just Linden Labs struck first this time instead of waiting for yet another media outrage.

Disclaimer: This was a guest publication by Rick van der Wal (Digado). My views may not necessarily represent those of Veejay Burns, main author of this blog.

Virtual Banking (13): BCV

Sharp readers will have noticed I skipped no. 12 in the series of Virtual banking. No. 11 in the series was Crédit Agricole and no. 12 is Cofidis, as French banker and insurance company. That blog was titled "Have a little Cofidis" due to the Tour de France debacle.

Bank number 13 is a Swiss bank, called the BCV (Banque Cantonale Vaudoise). Here's their profile from their website:

"BCV was founded over 160 years ago to serve the people of Vaud, and we have kept our strong community focus to this day. We offer a full range of services, including retail banking, corporate banking, private banking and asset management.In addition we engage in BCV has trading activities in various financial markets. "

The island is quite craftly landscaped, stepping away from the 'normal photorealistic' trees and stuff, but doesn't hold much more than BVC's virtual Headquarters, but for a venue dating back to 7 februari 2007 it's part of the early bankers in Second Life.

In a second stage - a second Island - they've must have started looking for deeper involvement with the Second Life community and opened up BCV island 2. On this sim you'll find different venues, maybe from partners, or maybe collaborative builds but of lesser quality and inspiration than the main venue.

In a past life I used to do some webdesign and one of the deadliest sins in the business was - and still is - putting a visitor counter on a professional website. On BCV island 2 there is one ! It's on a building which counted me as visitor no. 63 since june 17.

(Okay, it's nice if you're called Esmee Denters and get 0ver 40 million views on youTube, but it's a bummer when you're a big corporate name and get only a few visitors).

SLURL: http://slurl.com/secondlife/BCV%20Island/156/121/60

Virtual Banking (11): Crédit Agricole

There's another bank in Second Life, after BNP Paribas the second French Bank in SL is Credit Agricole. I've never heard from them other than that they're sponsoring one of the Tour de France teams, but that's about it.

Here's a little Wiki-knowledge on them:

"Crédit Agricole SA (CASA) (Euronext: ACA) is the largest banking group in France, second largest in Europe and the sixth largest in the world by Tier 1 capital according to The Banker magazine. It is also part of the CAC 40 stock market index.

Crédit Agricole SA is a semi co-operative bank, being majority owned by 41 French Caisses Régionales de Crédit Agricole Mutuel. Its subsidiaries are:

• Calyon, the investment banking division of Crédit Agricole.
• Calyon Financial, global futures and options brokerage serving institutional investors.
• LSA, the Asian securities brokerage division.
• Predica and Pacifica, the insurance divisions
• LCL (Previously Crédit Lyonnais), the nationwide retail banking network, acquired in 2003.

Okay, enough of the promo. We understand they're pretty big in Real Life. But I'm not sure they're big in SL yet. Their focus, like ING, is not on banking in this virtual world, or establishing a presence but on collaboration, mutualism as one of their hosts, Caliel Writer told me.

The Institute for Mutualism (have to watch typos here or it'll get mutilated) also exists in the Real World, though this isn't a replica.

Other parts of the sim are the boat, which is a part of history, space to set up future franchises and a piece of nature "where we can relax and which we should save and cherish" according to Caliel.

I'm by far too exited on getting out some new info on Rezzable, so I'll keep this short. I have to, since I logged out of SL so fast I forgot to save my transcript of the conversation with the kind Caliel. For more info, read Ambling in Second Life's Credit to Crédit Agricole.

One last remark though that should be mentioned. Right now everything is in French, but they're working on getting out the info in English as well.

SLURL: http://slurl.com/secondlife/CREDIT%20AGRICOLE/119/150/23

Virtual Banking (10): Deutsche Bank AG

While I was reading this weeks AvaStar (issue # 29) there were two things that caught my eye.

AvaStar Omissions and Errors

First of all was their doublepage special on Universities from around the globe. Again I notice that there are missing several Dutch Universities which are pretty active in Second Life, especially the Free University of Amsterdam (VUA) that's been active for months now. Also, there is an error in their report on Princeton stating:

"Princeton University will open its five-sim site in time for the new academic year in the fall... ...The AvaStar was given exclusive access to the finished parts of the Princeton site.."

Well, not so exclusive. The site was (as is the case with many new interesting sites) spotted by Al 'super-scooper' Kronos who blogged it respectively at 3PointD, Ambling in Second Life and this very MindBlizzard blog having a first full set of snapshots. A little credit to whom credit is due would seem in place.

Q110 - The bank of the future

The second story that drew my attention was their short introduction of the Deutsche Bank AG coming to Second Life:

"THE future of banking has arrived in SL. Talking at a press conference in Berlin streamed live into SL the member of the board of Deutsche Bank AG, Hermann-Josef Lamberti, referred to SL as the “killer application” of the next few years that enables us to see how the future of the internet will unfold. That’s why Deutsche Bank have decided to launch their futureoriented
Q110 banking concept in SL."

This first image is a photoscreen in front of the real build. It's set up with a photocamera and a circle on the floor will tell you where to stand. Take your picture here, and have it printed on your Real Life credit card.

The build itself is inline with the current trends to let go of traditional 'gravity-bound' architecture and is basically an open banking floor with two hovering skyscrapers.

The towers themselves fullfill no particular purpose, business is done at floor-level or in three different skyboxes. Deutsche AG takes Skybox very literal in this build. The three boxes vary in style to serve different clientgroups.

One of the funny things in this build is the "Wishroom", a sort of holodeck with three theme options: marriage, future and buying a house.

I took the Future tour and was asked several questions. After each question the holodeck formed to suit my imagined future. Afterwards I received some three notecards with the Deutsche Banks tips to get where I want to be.

At the end of my visit I discovered why the towers were there. At the rooftops you'll find baseball courts.

My last thought was, why build on the IBM Boeblingen Lab sim and not a dedicated sim?

SLURL: http://slurl.com/secondlife/IBM%20Boeblingen%20Lab/156/83/133

Virtual Banking (9): Suruga Bank

The Suntory sim I just peeked at was merely a pitstop on my way to the Suruga Bank.
This Japanese bank was spotted and blogged by Aleister Kronos a little while back.

Suruga is a regional bank, based in the Shizuoka Prefecture and has the following divisions: Banking Operations and Other. Banking Operations division deals in deposits, loans, domestic exchange, foreign exchange, related services. Other Operations division deals with help supply services, printing, leasing, guaranty, consulting, systems development, credit cards.

The sim is quite original, as it is pitch-dark. There's no sandy beach, just a starry underground above which the spaceship Suruga hovers, build by D-Labo.

After flying around a bit inside the spacecraft I came to the captain's quarters (at least I think they were), which looked very contemporary. It gave me a little "Star Trek" feeling where the captains always collected historic goodies from the 20th century.

This part of the ship contains a library, an information point and lockers...
After blogging 8 banks in Second Life, this is the first to show signs of being an actual bank.

As far as the build is concerned, it is a good build, a good design. As to content, I cannot really judge since my Japanese is a littly rusty.

SLURL: http://slurl.com/secondlife/SURUGA%20bank/150/132/86

Virtual Banking (8): BNP Paribas

The title of this blog is the the order in Which I've blogged financial corps in Second Life, as Aleister already described the Japanese Suruga bank. For a chronological timeline of entries you should check Nic's blog

BNP Paribas Group-sim

First of all BNP has a group island in which it promotes their French and German CRR brands. This island is partly accessible and has a major promotion-wall (left) stating it'll open in June. The only finished items I can spot are the press center (right).

Next to the press center is a nice pond with terras and the rest of the sim consists of restricted parcels. A large parcel in the SE corner is covered with a white box, but with some camera-juggling I managed to peek inside. It looks like some offices are being build here (left)

BNP Paribas-sim

The second sim is totally inaccessible, but from the BNP Paribas group sim you can have some view on what they're up to. (above right, below left and right).

From this distance I can't really see what is going on, but the build has a nice fresh look to it. The circle in the bottom-right corner is meant for recruitment and on the left pic it shows several funplaces, like jetskis and campfires.

Sofar, it's a regular sim, no new things spotted. I hope to get a good look soon to judge the build.

SLURL: http://slurl.com/secondlife/BNP%20PARIBAS%20GROUP/128/128/0

Virtual Banking (7): DNB Bank Norway

Another international Bank has opened up shop in Second Life, this time it's the Norwegian DNB, not to be confused with the Dutch national bank, also called DNB.

After ABN AMRO, ING (The Netherlands), Wirecard (Germany) and Saxo (Denmark) this is the fifth major European finance company coming to Second Life (with BNP Paribas still in development)

The sim starts of with a neat 3D model of the sim (very popular these days), which is devided into several smaller islands. The overall theme is summertime Norway, as I'm told by one of the freelancers who worked at this build. A main feature is the auditorium (right) which is a good build.

The second main build is a hovering globe -which is quite low on textures - and though most of the sim is bilingual (Norwegian and English), this was solely Norwegian, so I can't give you the full monty on this.

Then there's a small terras showing the Nobel-Peace-prize winners and a series of gazebo's intended as learning centers.

Throughout the sim various Norwegianish things appear, like sunken ships, swimming orca's, campsite, windsurf and diving spots, small fishingboats etcetera.

The build is developed by a company called Design Container, working with several Freelancers. This makes up for several degrees of quality in the build, some are neatly texturised, others are a bit low on textures (pic left, the gallery), or have a few textures askew. The DNB NOR car (right) is very primitive.

In the pic below an example of where it's neatly done, even tidal influences are considered in this build (left). The other one, an ancient worship tree is a little buggy in the script (right).

All in all I must say that the overall quality of the build varies enormously, and also the theme is too unfocussed. It's a bit of everything and I'm not sure where the root of this problem lies. It could well be that DNB Nor didn't have a fixed idea of what they intend to do in Second Life, or there was a basic plan that saw several ideas gone wild because of working with too many different freelancers.

SLURL: http://slurl.com/secondlife/DnB%20NOR/128/128/0

ABN AMRO Young Professional Launch

Earlier this week I blogged on the upcoming ABN AMRO YP launch. Well, today's the day.

In short, the opening event is a simulcast with DJ Jesse Voorn (Jesse Bourne) performing life in the Panama Club in Amsterdam and in Second Life. It's also a Dance4Life party. I won't go into details on the background much since I've blogged that here.

Anyway, the sim's open now and here are some pics. I see I need to mention a bit of background still to explain it. The sim is intended for Young Professionals. The idea behind the build is a relaxed mediterranean village with harbor, a place where Young Professionals would like to hang out.

The sim's core is a mediterranean village with some nice houses, a harbor and several meeting points like bars, pools and conference center. According to the Dutch Lost in the Magic Forest the build had to be realised in just one week. All buildings are custom made meeting the quality standards whe'd expect from LitMF (both architecturally and texturally speaking), though a number of props like yaughts and furniture were bought.

One of the sims fun things is the Mocassin 1200 Jetski ride (okay, here's a pic from me without the usual business suit). It's strong engine propelled me rapidly forward, causing me to bump into several yaughts and even launched me onto the dance site knocking over a few early dancers.

The Dutch partyscene raced out to be there (many Dutch SL club owners were present as well), and I must say, the party was well organised and every possible dance was prepped, I even saw the "feet of flame". Some minor glitches, such as partybubbles that were causing some lag were quickly disabled before the real event started. Truth be told, it remained quite laggy at times causing a hard time for the streaming media to render properly, but the crowd liked it.

Finally the audio stream was disabled and both image and sound were streamed through the movie, but the soundquality was less than that of the audio stream. All in all I must say the load of the dancefloor, dancers, the sim and the streaming media was too heavy. Sound fell away quite often and it was hard to get a decent snapshout without the stream being blocky.

SLURL: http://slurl.com/secondlife/ABN%20AMRO%20YP/96/69/68

Virtual Banking (6): Wirecard unwired

I blogged earlier that Germans are coming to town. Many German cities are immersing lately, like Augsburg and Munich. When I speak of Munich, I speak with respect, it is an impressive project with high levels of texturing.

This is so untrue for German business sims. In the early days of this blog I wrote on German Design, on the sims of Toca Me and BMW New World as being a desing without any texturing. This Wirecard sim is no different, leaving me under the impression that Photoshop isn't available in German.

The Wirecard is a pain in the eye, another German impulse to spread snowblindness. However, it's not all that bad. The design itself is exploring the future, though with a very minimalist approach.

As for strategy Wirecard is taking a different approach than e.g. ABN AMRO (or Barclays or Bank of Scotland... what will it be next week?), ING or Saxo and tries to push their core business, Finance, to SL.

It's time to sit back and observe to see they'll succeed. They've got a chance...

A trivia for this build is that they didn't hire pro's but resourced it internally.

SLURL: http://slurl.com/secondlife/Wirecard/128/128/0

Chung boosts virtual finance

Earlier this month I've blogged about Anshe Chung getting a banking licence for the Entropia universe. It seems like that this was just a starter for our Metaverse Mogul, according to a press release on the AC Studio website:

"Anshe Chung Studios is preparing to launch a virtual financial market, financial products and a set of services that are going to, for the first time, allow direct capital flow and investment across virtual world boundaries. This step will be the first of many in the creation of an open, cross platform Metaverse economy that transcends individual virtual worlds. "Some virtual worlds like Second Life (R), Entropia Universe (R) and IMVU (R) have demonstrated the enormous economic potential that exists when key sectors of a virtual world economy such as content creation, trade, banking and services are privatized. This has lead to a boom in each of these worlds that has yet to be matched by any other economy, real or virtual", says founder Ailin Graef a.k.a. Anshe Chung. "Now the time is right to go further and link these exciting spaces together, to begin with the creation of the global Metaverse." [read the full article @ Anshe's site]

Virtual banking (4) Saxo Bank

In january and february virtual land was falling short and the Lindens had a large que of requests. Early march we saw an explosion of new sims. One of these new launches was the Saxo Bank, an online investment bank, based in Copenhagen, Denmark.


Jeffrey Limpele, executive director of quantitative analysis at Saxo Bank (whatever that means), told SLNN that the bank ultimately plans to offer "leveraged Forex trading on the lindens... We want to give you access from Second Life to your Real Life foreign exchange." We'll see.



The bank shares the island with a volcano viewable from the bank's roof terrace. There is also a bizarre Rio carnival parade that processes around the island. Whether there is some deep symbolism in the use of the volcano and carnival, or whether it is an amusing whimsy.

SLURL: http://slurl.com/secondlife/Saxo%20Bank/128/128/0
The site is built by Beta Technologies
Pictures kindly provided by Sir Aleister Kronos

Virtual Banking (2): ING and Our Virtual Holland

At the Media Plaza Second Life seminar Gertjan Kaaij, Business Innovator of the ING held a presentation about ING in Second Life.... well, not exactly. The Dutch baking and insurance company ING they started cruising the virtual worlds in late 2006, but did not see a ROI on short term.

So there wasn't a big ING hit to launch, then what else to do? For the time being, ING uses SL mainly as a branding medium. They've hired Rivers Run Red to build a region of sims called "Our Virtual Holland"


The plan is for Our Virtual Holland to evolve into a virtual mini-state, and to this end they have been offering free parcels of land to would-be residents. Don't all rush to the website though - the offer closed on 21st March. Rather than churn out all the details here, I would refer you to this page of their website, which tells you everything you need to know (if not, try their FAQ). As is usual with SL that magic word for 2007, "Innovation", looms large. I will be interested to see what emerges. Certainly the pittoresque windmills will add to that innovative spirit...


At the moment ING is working with partners like the Rijksmuseum to add some spirit to the sims.

SLURL: http://slurl.com/secondlife/Virtual%20Holland/128/128/0
Pictures kindly provided by Sir Aleister Kronos

Virtual Banking (1): ABN Amro

The ABN Amro sims has been online for some time now, a true omission in my blog. But what's there to say?

The sim consists of several hovering platforms connected by several airbridges. personally I like the design, but I'm wondering what ABN's intentions are.

One platform holds a shop where you can buy suits (not the best quality) and other pieces of clothing, there's an auditorium, some coffee corners where you can watch some ABN commercials... But where's the bank?