My Digital FootPrint

Ctrl Shift published the report it undertook for DCMS Data Portability (mobility) The Full report is here for download  Or the 8 page version is here – this is 10 minutes and well worth reading  My takeaway  "Data Portability isn’t the issue, it’s what can be done with the data at the other end that matters."  The core issues This report makes three recommendations which directly support the progression of the personal data mobility development agenda: Recommendation 1: Create the personal data mobility Coordinating Entity (CE). The Coordinating Entity requires the following characteristics to be successful: • Empowered – have teeth or have the resources to teeth the enforcement of action. • Commercially independent. • Impartial – be known to be unbiased. • Have capacity and funds to support engagement. • Be able to coordinate across sectors. • Have market authority – strong skills and knowledge and with the capacity to...

I saw 50 black swans when thinking how data data portability/ mobility will migrate value towards the individual. Now some headlines are set up for click bait; however here is my picture taken in on the North Island New Zealand on lake Rotomahana when out walking and preparing this. Yes each little do it a black swan. Summary : Been thinking about the complex and hidden implications of the personal data portability/ mobility models and data sharing economics. The thinking leads to the possibility of making it far harder for large silo data owners to sell/ share their data due to risk of re-identification; which changes the data economy. Less general silo data being available for sale but increasing demand for ‘quality’ data could mean individual collated data becomes far more valued far quicker than forecast, as the value chain shifts in response to new legislation/ regulation. Early and fast adopting countries will benefit with significant increases in innovation, investment and ...

Iterating from the generic and classic four : defense, human right, private and contextual;  and the invasion of privacy work  where claims center on: Intrusion of Solitude, Appropriation of Name or Likeness,Public Disclosure of Private Facts and False Light.  Also from Rachel Finn, David Wright and Michael Friedewald work on the  Seven Types of Privacy.  (2013)   Privacy of the person,  Privacy of behaviour and action,  Privacy of communication,  Privacy of data and image,  Privacy of thought and feelings,  Privacy of location and space,  Privacy of association Do we need a better refinement the ideas and definitions, but what are they.....  a few as a starter: Information privacy , which involves the establishment of rules governing the collection and handling of personal data such as credit information and medical records; Bodily privacy , which concerns the prote...

Been looking at Flux . Simple proposition.  Aggregation of all your receipts and loyalty into one place. #loveit The power; [in terms of control of your data and what happens to it, how gets to exploit it and what rights you have] shifts from one silo ( the retailer and the bank) to Flux.  It moves from the relationship collector (who you interact with) to a new third party. (intermediary) So here is convenience for you, as these services improve your customer experience, at the expense of data, it is trade we make with having to determine the consequences.  Your data is spread out to a new layer who now needs to monitise  data  to thrive.  The players who now have access to and want to monitise your data goes up.  More competition usually means a lower price, in this case to access your data.   Given some of the players have a direct business relationship with you for products and services ( how y...

This post is not should Amazon create a bank, just would BigTech companies do better at the retail FinTech/ banking functions because of the data they hold on you and me? --- All of Amazon’s reporting data is here , Q4 will be released on 31.1.2019. We know from the existing reporting that they have passed 500,000 employees, added $5Bn to cash and sales income of over £200bn. Whilst the Q10 reporting give numbers, facts and a short section on risks there is no mention of data. Can AMAZON or any other BigTech buy an existing international retail bank in cash – yes, but would they be able to do any better? Ignoring the specific relationship that customers have with Amazon and these same customers with their banks, the regulation frameworks and that Amazon has a range of credit/ gift card offers right now; the question:- “Is any of the BiGTech’s data set on me (and you) provide an advantage insomuch that it would enable them to make better decisions as a “bank” that say y...

I love my weekly email update from Nir Eyal and his post on Nir and Far - he writes on behaviour, habits and How to Build Habit-Forming Products.  He always brings up some interesting fact.   This week Nir was writing about the screen time problem, this is coupled with what Fred Wilson has been writing about on screen time trackers  made me think about my own FOMO with tracking. I used to have a fitbit, my phone and lots of devices to track me as I started on the ideas of quantified self  way back in 2008 - which feed into My Digital Footprint. I left "on" a wide range of trackers for location, heart, paces etc and tried to build a model.   Well I kind of got board and slowly the devices broke for a stack of reasons.  Rock Climbing and diving among the most obvious ones that some devices stopped functioning as well as they should.  Many have been upgraded and also gone to my overflowing man draw of one-day recycling...

We are all aware of the response that when a digital or Internet service is Free; you are the product. It is most probably an adaption of a 1970 quote from the TV/media industry. Free to Air TV, which is advertising supported, means you watch for FREE in exchange for attention to watch adverts, as product and service owners hope you will buy. I want to explore this line of thinking a little further, as with the introduction of PSD2, GDPR and many other new regulatory frameworks from the US to Australia: the user/ consumer can now get their data back – aka #data_portability/ #data_mobility, so the model of FREE needs to be looked at again with our updated digital glasses on.  The purpose here to raise questions as I am thinking about BigTech and the reaction of companies to new regulations. Who benefits and who is threatened, specifically exploring if branded Banks / Fintech gain or lose with data portability?  The thesis is that the Free Facebook model breaks beca...