For one, regulations keep agents and representatives from talking specifically about insurance specifics or financial services over the social web.

FORBES: Hearsay Social Takes Out Insurance; Adds Allstate To Client List

Consumers today are using different apps and web services for discovery, social engagement and interactivity. zeebox brings all these features together in a single app that drives increased viewership of programming by making the live TV experience even more compelling.

ENGADGET: Zeebox second screen TV companion app crosses over to the US, with a boost from Comcast and HBO

And how did those other web-services-formerly-known-as-social-networks Twitter and Myspace fare?

FORBES: Connect

Because most of the cyber threats today are coming through IT software products (such as applications and operating platforms) and consumer information technology services, such as social media sites, email, and web sites.

FORBES: Obama's Cybersecurity Action Reaches Too Far

The partnership with Spotify signifies how Facebook is flexing its muscles in the media space, offering services that keep people within the social network, rather than scouring other parts of the web for content.

FORBES: Facebook To Launch Music Service With Spotify

And if you allowed her to connect to the social web without exiting the mobile banking application, you might get to know how she felt about your services, what products she came looking for, who her friends are and whether they should shop for another bank offering a better deal.

FORBES: Show me your mobile, I'll show you who you are