My Digital FootPrint

Along with privacy and identity, trust is probably one of the most contentious and debated words especially in relation to data and the digital economy.  The purpose of this thought piece is to present a concept; which only presents itself in a digital economy, when the user has access to their own data. An assumption, ahead of thinking about trust, relates to data portability/ data mobility.  The idea behind data portability as part of a regulatory frameworks such as GDPR and PSD2, relates to the user being given the right to ask for their data back from the company that has collected it.  As an idea it is seen as controversial as data control/ ownership is seen by brands as a key strategic requirement to remain relevant, to offer personalisation and keep control of the customer. This concept argues that giving the data back actually creates a far bigger opportunity for Brands, but it does require the current data collector and controller to shift their mind ...

The author Anthony Thomson knows a thing or two about new and disruptive financial services, having co-founded and chaired first the ground-breaking Metro Bank and then the purely digital, app-based Atom Bank. He is the Chairman of the newest challenger bank in Australia :86400 It is a passionate, opinionated, direct and practical view on the status of marketing in financial services and set out how to rethink "marketing." The authors don't pull any punches.  The book is fiercely critical of some of the industry's long-established marketing habits, providing compelling reasons why it's time to abandon the practices that have given it a bad name. The book explores the basics of marketing and the links to the financial services industry and why it is a bit messy.  The structure of the book is exploring themes that are designed to make the reader rethink the importance of marketing and more generally the alignment between all business functions.  The list ...

Along with privacy and identity, trust is probably one of the most contentious and debated words especially in relation to data and the digital economy.  The purpose of this thought piece is to present a concept; which only presents itself in a digital economy, when the user has access to their own data. An assumption, ahead of thinking about trust, relates to data portability/ data mobility.  The idea behind data portability as part of a regulatory frameworks such as GDPR and PSD2, relates to the user being given the right to ask for their data back from the company that has collected it.  As an idea it is seen as controversial as data control/ ownership is seen by brands as a key strategic requirement to remain relevant, to offer personalisation and keep control of the customer. This concept argues that giving the data back actually creates a far bigger opportunity for Brands, but it does require the current data collector and controller to shift their mind sets from "control...

when considering how your personal digital data should be used by others? The purpose of this post is to explore the ideologies in a digital context, about when should Forgiveness or Approval be used as an appropriate consent method.  Specifically, when a third party needs permission to use/ has used your data.   Consent : opening pandora's box with a familiar scenario.  Imagine a friend needed to borrow your car, would you expect them to ask for your approval or forgiveness and would that change if there was an emergency.  Imagine someone asking to borrow your credit card but then spending more or twice. Which consent method appears appropriate; Forgiveness or Approval. Would the amount spent cloud your opinion or the closeness of the relationship?  In human to human relationships we believe that we have a clear set of boundaries for consent irrespective of approval and forgiveness. However, outside of the very few extreme cases there is a...

Identity, and what it means to people, is in the majority thought of as age, gender, experience, culture, and location.  The purpose of this piece is to invite you to think about what your identity means in the future, as change is creating new opportunities. Identity ( past ):  In the most generic form was all about recognition.  Who you are: your name, family-tree, where you were born and live, your position in the group, your skills, etc.  Identity was simplistic.  Identity stemmed from relationships and traceability and as such trustable.  Knowing someone and being known had merit, until early versions of misrepresentation and fraud merged. Authentication mechanisms like stamps and seals became required.   Identity ( present ): Given that authentication mechanisms of identity ( past ) proved useful, centralised processes such as the issuance of birth certificates, social security numbers, marriage certificates,...