Does the Internet need its own version of credit bureaus

Data Miners love data. The more data they have the better model they can build. Consumers do not love data so much and find sharing data generally a cumbersome task. They need to be incentivize for filling out survey forms , and for signing to loyalty programs. Lawyers, and privacy advocates love to use examples of improper data collection and usage as the harbinger of an ominous scenario. George Orwell’s 1984 never “mentioned” anything about Big Brother trying to sell you one more loan, credit card or product.

Data generated by customers is now growing without their needing to fill out forms and surveys. This data is about their preferences , tastes and choices and is growing in size and depth because it is generated from social media channels on the Internet.It is this data that can be and is captured by social media analytics.

Mobile data is also growing, including usage of location based applications and usage of Internet from the mobile phone is leading to further increases in data about consumers.Increasingly , location based applications help to provide a much more relevant context to the data generated. Just mobile data is expected to grow to 15 exabytes by 2015.

People want to have more and more conversations online publicly , share pictures , activity and interact with a large number of people whom  they have never met. But resent that information being used or abused without their knowledge.

Also the Internet is increasingly being consolidated into a few players like Microsoft, Amazon, Google  and Facebook, who are unable to agree on agreements to share that data between themselves. Interestingly you can use Yahoo as a data middleman between Google and Facebook.

At the same time, more and more purchases are being done online by customers and Internet advertising has grown much above the rate of growth of other mediums of communication.
Internet retail sales have the advantage that better demand predictability can lead to lower inventories as retailers need not stock up displays to look good. An Amazon warehouse need not keep material to simply stock up it shelves like a K-Mart does.

Our Hypothesis – An Analogy with how Financial Data Marketing is managed offline

  1. Financial information regarding spending and saving is much more sensitive yet the presence of credit bureaus alleviates these concerns.
  2. Credit bureaus collect information from all sources, aggregate and anonymize the individual components accordingly.They use SSN as a unique identifier.
  3. The Internet has a unique number too , called the Internet Protocol Address (I.P) 
  4. Should there be a unique identifier like Internet Security Number for the Internet to ensure adequate balance between the need for privacy as well as the need for appropriate targeting? 

After all, no one complains about privacy intrusions if their credit bureau data is aggregated , rolled up, and anonymized and turned into a propensity model for sending them direct mailers.

Advertising using Social Media and Internet

https://www.facebook.com/about/ads/#stories

1. A business creates an ad
Let’s say a gym opens in your neighborhood. The owner creates an ad to get people to come in for a free workout.
2. Facebook gets paid to deliver the ad
The owner sends the ad to Facebook and describes who should see it: people who live nearby and like running.
The right people see the ad
3. Facebook only shows you the ad if you live in town and like to run. That’s how advertisers reach you without knowing who you are.

Adding in credit bureau data and legislative regulation for anonymizing  and handling privacy data can expand the internet selling market, which is much more efficient from a supply chain perspective than the offline display and shop models.

Privacy Regulations on Marketing using Internet data
Should laws on opt out and do not mail, do not call, lists be extended to do not show ads , do not collect information on social media. In the offline world, you can choose to be part of direct marketing or opt out of direct marketing by enrolling yourself in various do not solicit lists. On the internet the only option from advertisements is to use the Adblock plugin if you are Google Chrome or Firefox browser user. Even Facebook gives you many more ads than you need to see.

One reason for so many ads on the Internet is lack of central anonymize data repositories for giving high quality data to these marketing companies.Software that can be used for social media analytics is already available off the shelf.

The growth of the Internet has helped carved out a big industry for Internet web analytics so it is a matter of time before social media analytics becomes a multi billion dollar business as well. What new developments would be unleashed in this brave new world is just a matter of time, and of course of the social media data!

Youtube's variance in interface/s for sharing

Youtube seems to have a different  interface for sharing a channel, a playlist or an individual song. Also it seems to be missing out on revenue from Itunes (or maybe it isnt). and it seems to promoting Facebook and Twitter to the expense of other social media sharing buttons which can be only seen when you click share more (or maybe the buttons/social media channels change based on sharing activity analytics 🙂 )

on a slightly different note read my techie tutorial on boosting your youtube channel views

https://decisionstats.com/2010/09/10/creating-an-anonymous-bot/

Creating an Anonymous Bot

 

See the following interface snapshots/views-

youtube song share expanded
youtube song share expanded

 

youtube song share
youtube song share default
youtube playlist share
youtube playlist share
utube channel share
youtube channel share

Youtube’s variance in interface/s for sharing

Youtube seems to have a different  interface for sharing a channel, a playlist or an individual song. Also it seems to be missing out on revenue from Itunes (or maybe it isnt). and it seems to promoting Facebook and Twitter to the expense of other social media sharing buttons which can be only seen when you click share more (or maybe the buttons/social media channels change based on sharing activity analytics 🙂 )

on a slightly different note read my techie tutorial on boosting your youtube channel views

https://decisionstats.com/2010/09/10/creating-an-anonymous-bot/

Creating an Anonymous Bot

 

See the following interface snapshots/views-

youtube song share expanded
youtube song share expanded

 

youtube song share
youtube song share default
youtube playlist share
youtube playlist share
utube channel share
youtube channel share

What to do if you see a possible GPL violation

GNU Lesser General Public License
Image via Wikipedia

Well I have played with software (mostly but not exclusively) analytical, and I admire the zeal and energy of both open source and closed source practioners- all having relatively decent people executing strategies their investors or owners tell them to do (closed source) or motivated by their own self sense of cool-change the world-openness (open source)

What I dont get is people stealing open source code- repackaging without adding major contributions- claiming patent pending stuff- and basically making money by creating CLOSED source from the open source software-(as open source is yet to break the enterprise glass cieling)

you are either open source or you arent.

bi- sexuality is okay. bi-codability is not.

Next time you see someone stealing some community’s open source code- refer to this excellent link.

 

But, we cannot act on our own if we do not hold copyright. Thus, be sure to find out who the copyright holders of the software are before reporting a violation.

http://www.gnu.org/licenses/gpl-violation.html

Violations of the GNU Licenses

If you think you see a violation of the GNU GPLLGPLAGPL, or FDL, the first thing you should do is double-check the facts:

  • Does the distribution contain a copy of the License?
  • Does it clearly state which software is covered by the License? Does it say anything misleading, perhaps giving the impression that something is covered by the License when in fact it is not?
  • Is source code included in the distribution?
  • Is a written offer for source code included with a distribution of just binaries?
  • Is the available source code complete, or is it designed for linking in other non-free modules?

If there seems to be a real violation, the next thing you need to do is record the details carefully:

  • the precise name of the product
  • the name of the person or organization distributing it
  • email addresses, postal addresses and phone numbers for how to contact the distributor(s)
  • the exact name of the package whose license is violated
  • how the license was violated:
    • Is the copyright notice of the copyright holder included?
    • Is the source code completely missing?
    • Is there a written offer for source that’s incomplete in some way? This could happen if it provides a contact address or network URL that’s somehow incorrect.
    • Is there a copy of the license included in the distribution?
    • Is some of the source available, but not all? If so, what parts are missing?

The more of these details that you have, the easier it is for the copyright holder to pursue the matter.

Once you have collected the details, you should send a precise report to the copyright holder of the packages that are being misused. The copyright holder is the one who is legally authorized to take action to enforce the license.

If the copyright holder is the Free Software Foundation, please send the report to <license-violation@gnu.org>. It’s important that we be able to write back to you to get more information about the violation or product. So, if you use an anonymous remailer, please provide a return path of some sort. If you’d like to encrypt your correspondence, just send a brief mail saying so, and we’ll make appropriate arrangements.

Note that the GPL, and other copyleft licenses, are copyright licenses. This means that only the copyright holders are empowered to act against violations. The FSF acts on all GPL violations reported on FSF copyrighted code, and we offer assistance to any other copyright holder who wishes to do the same.

But, we cannot act on our own if we do not hold copyright. Thus, be sure to find out who the copyright holders of the software are before reporting a violation.

 

Google AppInventor in Action

A GUI based SDK for making Apps for Mobiles (Android)- that you can then put in the Android Marketplace.

Watch a 60 sec video on that!