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Retailers Walking A Tightrope Between Data Privacy and Personalization - Forbes

Retailers Walking A Tightrope Between Data Privacy and Personalization - Forbes | The CYDigital Blog | Scoop.it
Retail is walking a fine line as consumers want to have their cake and eat it, too. According to recent research, while most consumers in the United States would welcome personal data protection rights similar to GDPR, research from Segment found that on average, 71% of consumers express some level of frustration when their experience is impersonal. The same report found that 49% of consumers have purchased a product that they did not initially intend to buy after receiving a personalized product recommendation from a brand.
CYDigital/marteq.io's insight:

It's not a fine line, and the solution is fairly easy: just give ownership of the data to the Consumer (just as CYDigital does).

 

Curated by CYDigital: enabling Consumers to capture, share and profit from their data. https://cyd.digital #zeropartydata #dataprivacy

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Bevy Of CCPA Amendments Pass California Assembly. Next Stop: The Senate - AdExchanger

Bevy Of CCPA Amendments Pass California Assembly. Next Stop: The Senate - AdExchanger | The CYDigital Blog | Scoop.it
A bunch of the amendments exempt certain types of businesses or data types from being subject to the law, including insurance companies, companies complying with government requests or dealing with security or fraud issues, vehicle repair data and employee and job application-related data. (AB 981, AB 1416, AB 1146 and AB 25).

Other of the amendments seek to tweak the definition of personal information under CCPA, such as AB 873, which broadens the language from data that is “capable of being associated” with a person or household, to data that is “reasonably capable” of being associated.

AB 1355 excludes de-identified and aggregated consumer information from the definition of personal information, while AB 874 tones down the definition by excluding info collected from public records.

Rounding out the bills, AB 1564 would allow businesses to only have one method of contact for consumers submitting information requests (either an email or a toll-free phone number, but no need for both); AB 1202 would require data brokers to honor opt outs; and AB 846 would ensure that the CCPA doesn’t apply to loyalty programs, rewards and coupons.
CYDigital/marteq.io's insight:

Nothing that changes the fundamental nature of the law.

 

Curated by CYDigital: enabling Consumers to capture, share and profit from their data. https://cyd.digital #zeropartydata #dataprivacy

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Infographic: Most Americans Support Consumer Data And Privacy Protection Law - IB Times

Infographic: Most Americans Support Consumer Data And Privacy Protection Law - IB Times | The CYDigital Blog | Scoop.it
This chart shows the results of a survey about data protection laws in the United States.
CYDigital/marteq.io's insight:

Of course! But how? CYDigital has the answer...

 

Curated by CYDigital: enabling Consumers to capture, share and profit from their data. https://cyd.digital #zeropartydata #dataprivacy

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Washington State Data Privacy Act Fails To Pass - Data Protection - Mondaq

Washington State Data Privacy Act Fails To Pass - Data Protection - Mondaq | The CYDigital Blog | Scoop.it
The Washington Privacy Act (SB 5367) ("WPA"), a bill which received 46-1 support in the Washington state Senate, failed to come to a floor vote in the Washington House of Representatives of Representatives before the April 17 deadline for the Washington state legislative session. Given the near-unanimous support for the bill in the Senate, the bill was expected to pass the Washington House without problem.

The WPA would have been the second comprehensive state act (the California Consumer Protection Act ("CCPA") being the first) to address the issue of consumer data protection. The WPA was modeled on the European Union's General Data Protection Regulation ("GDPR") and used very similar language as the GDPR relating to the expansive definition of "personal data." The WPA also would have given Washington residents very similar protections as those offered to European residents under the GDPR, including giving residents the right to delete data; the right to request that any data errors about the resident be corrected; the right to receive a copy of any personal data collected by a company in electronic format; and the right to withdraw consent from the processing of any personal data. In addition, companies would have been required to conduct risk assessments of their processing of consumers' personal data and to ask for the affirmative consent of consumers before processing their data in ways that posed a high risk of privacy harm.

The bill reportedly ran into trouble after privacy advocates pushed the Washington House to strengthen the bill. Ultimately, several issues proved too difficult to get past. One key issue that involved the bill's approach to the regulation of facial recognition software. One amendment would have imposed stricter controls on the use of facial recognition software including companies to obtain consent prior to the use of the software which many found objectionable.
CYDigital/marteq.io's insight:

Why didn't it pass? Not strong enough.

 

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How to Completely Remove Your Private Information From The Web - Mashable

How to Completely Remove Your Private Information From The Web - Mashable | The CYDigital Blog | Scoop.it
A good first stop is the World Privacy Forum, a nonprofit "dedicated to reimagining privacy in a digital era." The organization has an extremely detailed opt-out list for data brokers, with the respective links and steps needed to remove your info from the companies' clutches. More broadly, the WPF put together what it calls the top 10 opt-outs — a detailed step-by-step guide to pulling your information from the data brokers of the world.

CYDigital/marteq.io's insight:

A good first step...of many steps.

 

Curated by CYDigital: enabling Consumers to capture, share and profit from their data. https://cyd.digital #zeropartydata #dataprivacy

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Protecting digital business from security risks

Protecting digital business from security risks | The CYDigital Blog | Scoop.it
Organizations must change their talent development and recruiting practices to be able to address missing skills. Start by building and developing a list of new competencies and skills required to support digital business initiatives. Then adapt short-term skills management practices by outsourcing security functions to managed security service providers (MSSPs) and/or delegating responsibilities to other internal staff.

CYDigital/marteq.io's insight:

Or just increase your cyber insurance coverage.

 

Curated by CYDigital: enabling Consumers to capture, share and profit from their data. https://cyd.digital #zeropartydata #dataprivacy

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Data: the New Currency That Accelerates Business - DevOps

Data: the New Currency That Accelerates Business - DevOps | The CYDigital Blog | Scoop.it
As consumers, do we care that this data is being collected? Is the benefit of receiving free services worth the price of our information? What should consumers do to make sure their data isn’t used in ways they don’t agree to? Perhaps consumers should expect companies to include them in their revenue-sharing. If they want to share in their data monetization, those collecting the data should ensure the data is protected and private, with full data-use transparency.

CYDigital/marteq.io's insight:

Curated by CYDigital: enabling Consumers to capture, share and profit from their data. https://cyd.digital #zeropartydata #dataprivacy

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B2C Marketing Predictions So Far: Preference And Privacy Prove Powerful - Forbes

B2C Marketing Predictions So Far: Preference And Privacy Prove Powerful - Forbes | The CYDigital Blog | Scoop.it
Our bet of increased interest in zero-party data is coming to fruition. Scott McNealy, cofounder of Sun Microsystems, wrote an op-ed in USA Today citing zero-party data as a solution to the toxic data ecosystem we’re in today. Our team has almost doubled the number of client questions on preference and zero-party data compared to 2017. And providers are stepping in to help. Zero-party platform Jebbit just got $12 million in its Series B round of funding. We’re not surprised, since customer-centric privacy programs, including access to better zero-party data, can drive a positive ROI.


Note: None of this can really happen unless the underlying tech better melds martech and customer experience (CX). As we predicted, every major marketing cloud has announced (or will soon) major upgrades to data management, profiles development, and intelligence layer systems, with capabilities similar to customer data platforms (CDPs) to help brands manage and activate customer data.
CYDigital/marteq.io's insight:

You can't have complete zero party data without complete consumer control, so any attempt by a marketing cloud provider will be incomplete...because they don't have access to all the data.

 

Curated by CYDigital: enabling Consumers to capture, share and profit from their data. https://cyd.digital #zeropartydata #dataprivacy

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Is selling your data for cash the new selling-your-plasma-for-cash? - The Hustle

Is selling your data for cash the new selling-your-plasma-for-cash? - The Hustle | The CYDigital Blog | Scoop.it
Most of us trade data for free services (Facebook, Google), and data exchanges aim to give people a way to sell that data instead. 

But since large companies have more data about us than we have about ourselves, it’s not really ours to sell — it’s Amazon’s.

Until consumers actually control their data, data exchanges will give companies a new way to buy data but raise privacy’s cost for consumers.
CYDigital/marteq.io's insight:

You can't sell it if you can't completely collect and control it.

 

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Self-sovereign ID key to data privacy - ComputerWeekly

Self-sovereign ID key to data privacy - ComputerWeekly | The CYDigital Blog | Scoop.it
In a world where it is possible to connect personally identifiable information (PII) from a wide variety of sources in many different ways, Dow said it is time to re-think how identity is managed.

“In the face of record data breaches, hacking and problems with centralised data, customers are more vulnerable than ever before,” she said, adding that an experiment has shown that even with the highest privacy setting on Facebook, downloading a pregnancy app results in being flooded with content related to motherhood.

“How organisations collect and process data to personalise services is going to make the difference between gaining trust, getting fined and even getting fired,” said Dow. “There is enormous responsibility in developing these systems.”

On the positive side, Dow said there are some “great new technology possibilities” that include things such as self-sovereign or self-manged identity and zero knowledge proofs. “There are opportunities for us to start changing the way the identity stack looks so that we can unlock [personal] data with greater trust,” she added.
CYDigital/marteq.io's insight:

That's only a portion of the larger equation. MIA: a means by which the Consumer can capture their data. 

 

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Why Cryptocurrencies Might Be Too Technical for Mainstream Facebook, Telegram Users - CryptoGlobe

Why Cryptocurrencies Might Be Too Technical for Mainstream Facebook, Telegram Users - CryptoGlobe | The CYDigital Blog | Scoop.it
Simply the process of copy and pasting lengthy alphanumeric strings, which represent cryptocurrency addresses, may seem too complicated or technical for people to understand. Because cryptocurrencies are meant to function as a medium-of-exchange (MoE), they should also be able to function effectively as a unit of account. However, this has been a challenge so far, partly because many cryptocurrencies such as bitcoin (BTC) use up to 8 decimal places to represent value.

Long decimal numbers that represent the value of cryptocurrencies, which is still currently estimated in fiat currencies such as the USD or British pound (GBP), can be confusing for many newcomers to understand. In fact, crypto transactions give “heart attacks” to people who’ve been in the blockchain space since it first started.

That’s because even when you send crypto from a best-in-class hardware wallet to a best-in-class hot wallet, there’s still some a UX lag at times which can be stressful - according to Ryan Selkis, the co-founder of Messari Crypto. Until cryptocurrency platforms become more user-friendly, mainstream adoption of cryptographic assets may not be possible.
CYDigital/marteq.io's insight:

Ask the mainstream user what a digital wallet is, and the majority will answer "huh?"

 

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Council Post: Consumer Data Privacy: Why We Need A (Single) Federal Law - Forbes

Council Post: Consumer Data Privacy: Why We Need A (Single) Federal Law - Forbes | The CYDigital Blog | Scoop.it
The transition to GDPR in Europe has prompted the discussion of consumer data privacy regulation in the U.S. First moves came in the form of the California Consumer Privacy Act (CCPA), formally adopted in June 2018, now set to become law throughout the state on January 1, 2020.

The CCPA makes it easier for consumers to file lawsuits against companies in the event of a data breach and also empowers the California attorney general’s office to levy fines against companies that don’t follow the new stipulations. And because the CCPA is retroactive -- in that companies must identify consumer data sold in the 12 months running up to January 1, 2020 -- it’s imperative for organizations to make immediate preparations.

And here’s what the industry needs to know about that scenario: When it comes to compliance, one federal law is what we need. For organizations transacting with consumers in the digital space, having to comply with 50 distinct data privacy laws would amount to a logistical nightmare, crippling efficient operational processes and causing the user experience to suffer.
CYDigital/marteq.io's insight:

The CCPA is not enough to force the Feds hand, but as more states adopt the basic tenets, watch it snowball.

 

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The American Data Dissemination Act (FTC-ADDA)

The American Data Dissemination Act (FTC-ADDA) | The CYDigital Blog | Scoop.it
Sen. Marco Rubio has introduced federal data privacy legislation entitled the American Data Dissemination Act (FTC-ADDA). The FTC-ADDA would require the Federal Trade Commission to submit detailed recommendations for privacy requirements that Congress could impose on various companies. If Congress fails to act on the recommendations within two years, Rubio’s bill would enable the FTC to put into effect its own rules. In short, Rubio’s bill puts the FTC in the driver’s seat on the long journey to data security.
CYDigital/marteq.io's insight:

The States will force the hand of the Congress to take action, so we're closing in on federal legislation.

 

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Privacy and data protection an opportunity, says entrepreneur - ComputerWeekly

Privacy and data protection should not just be viewed as legal and technical compliance topics, according to James Aschberger, founder and CEO at One.Thing.Less, who says they present an opportunity to embrace, engage and build trust with customers.

“From our experience, companies do not take advantage of what the topic could bring. Often, that is left to the legal department to sort out. It is as a reactive, defensive kind of topic, instead of an opportunity to have a discussion about how this can be used as a competitive advantage and to build trust,” he told Computer Weekly.
CYDigital/marteq.io's insight:

Solicit trust, and you shall receive.

 

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Facebook lets select researchers access 'privacy-protected' data - VentureBeat

Facebook lets select researchers access 'privacy-protected' data - VentureBeat | The CYDigital Blog | Scoop.it
Facebook today announced the recipients of a grant that offers access to “privacy-protected” data from a fraction of the network’s billions of monthly active users around the world. The more than 60 researchers from 30 institutions across 11 countries were selected by two partner organizations, Social Science One and the Social Science Research Council (SSRC). Facebook says it won’t play a role in directing their findings in order to ensure the independence of the research.
CYDigital/marteq.io's insight:

Timing, timing, timing.

 

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Will Netflix eventually monetize its user data? -ctpost

Will Netflix eventually monetize its user data? -ctpost | The CYDigital Blog | Scoop.it
Based on all we know about Silicon Valley’s aggressive monetization of user data, what else could Netflix do, beyond product integration, with this valuable information?

Netflix logs everything you have ever watched and how you watch – every time you pause, what programs you consider watching but choose not to and when you’re most likely to binge on “Friends” reruns.

When linked to website trackers, Netflix could, for example, cross-reference that viewing data with your social media accounts, your purchasing habits, your search history and even your emails.

In the age of surveillance capitalism, such data could be worth a fortune to marketers, political campaigns and advertisers.

As far as we know, Netflix has not started using its data to track us online, package us to marketers or cross-reference our private messages (even though Facebook has provided Netflix access to this information). And I doubt Netflix will violate its core brand by incorporating ads into its interface. Partnering with or acquiring a marketing firm to suffuse every subscriber’s online experiences with micro-targeted ads seems more likely.
CYDigital/marteq.io's insight:

Only law can stop this. Otherwise, it's all theirs.

 

Curated by CYDigital: enabling Consumers to capture, share and profit from their data. https://cyd.digital. Follow this blog: https://www.scoop.it/t/the-cydigital-blog.

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InWara's Quarterly Report: Is The Blockchain-Crypto Space Off to a Good Start This Year?

InWara's Quarterly Report: Is The Blockchain-Crypto Space Off to a Good Start This Year? | The CYDigital Blog | Scoop.it
CYDigital/marteq.io's insight:

If you discount the ridiculous nature of the market last year, the answer is a resounding yes.

 

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Data Ownership – Not Waiting for the Lawyers

Data Ownership – Not Waiting for the Lawyers | The CYDigital Blog | Scoop.it
There was a fascinating article in a recent US print edition of the Financial Times. It was titled, “Patients take control of their medical data”. Here is the quote that almost took my breath away:

“It [a new data platform collecting medical data] now has 1,200 users on its platform and has entered into research partnerships with pharma and health companies including Johnson & Johnson and Medtronic, as well as the Food and Drug Administration, the US medicines regulator.”

And the next paragraph:

“For Richie Etwaru, the solution is to offer people legal title over their data.”

That last part is awesome. While privacy companies and regulators in the US waffle on about how to cope with GDPR and other privacy issues, private firms are quietly building up treasure troves of data that have strings attached. Those strings provide an ‘out’ clause for the consumer (that’s you and me) that creates the raw data. On their (our) behalf the platform owner licenses the use of consumer data for a fee, partly reimbursed to the consumer.
CYDigital/marteq.io's insight:

DOABLE! CYDigital's DDR and corresponding Dapp makes this happen!!!

 

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Amazon Lied About Giving Alexa Listeners Customer Details?

Amazon Lied About Giving Alexa Listeners Customer Details? | The CYDigital Blog | Scoop.it
Amazon team members speaking under the conditions of anonymity have now come forward to reveal that Alexa Data Services employees listening in on Alexa interactions are granted access to customer location data, Bloomberg reports. Specifically, the recordings that the employees listen to are associated with longitude and latitude data, corresponding to the user's location when the interaction occurred.

CYDigital/marteq.io's insight:

If true, the greatest of all privacy violation (outside of physical peeping).

 

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Will the US Adopt a National Privacy Law?

Will the US Adopt a National Privacy Law? | The CYDigital Blog | Scoop.it
Recently, however, the industry has started to rethink that view. As abuses of data by major tech companies have come to light, Silicon Valley leaders have come to fear that data privacy legislation may be inevitable and have moved from a posture of opposing all legislation to seeking to shape the new regime. At the same time, the nation's first state-level generally applicable data privacy law, the California Consumer Privacy Act (CCPA), is scheduled to take effect in 2020. Several other states have proposed similar data privacy laws, causing businesses to grapple with the fact that they may shortly need to comply with a patchwork of complicated and conflicting state-level regulations.

CYDigital/marteq.io's insight:

It's coming, which means a real shift in thinking. Make the shift now.

 

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Getting real with the value exchange | WARC

Getting real with the value exchange | WARC | The CYDigital Blog | Scoop.it
But for all the focus on gathering, managing and activating data, the question few stop to ask is: Is all this worthwhile? Often the efforts at targeting and personalisation “may only have the effect of improving a tactic on a media plan, with limited success in boosting more important brand health or business metrics,” they suggest.
CYDigital/marteq.io's insight:

For the most part, it isn't! Marketers need to capture attention at the specific moment in time where the Consumer is making a decision, and all the data in the world won't give you that insight. The only path to success is if the Consumer advises you of their decision.

 

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Council Post: How Tokens Are Shaking Up Industries And Creating New Economies

Council Post: How Tokens Are Shaking Up Industries And Creating New Economies | The CYDigital Blog | Scoop.it
Some of the most interesting innovations around tokens are evident in personal data. 

Despite public concern about the privacy of their data, many people are keen to share their medical data to further develop medical innovation as it relates to complex health conditions. This is evidenced by the apps built on Apple's Research Kit being responsible for high numbers of consumer participants in medical research, leading to increased medical insights into complex and understudied health conditions. 

But it follows that health consumers are keen to not only share their health data but also be compensated financially. Embleema has created a blockchain network that allows patients to offer their own medical data to medical researchers in return for real-world evidence (RWE) tokens. This has the impact of accelerating medical research, particularly in regard to creating new medication. 
CYDigital/marteq.io's insight:

Tokens are the only means by which consumers can be compensated for their data.

 

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Customers More Likely to Join Loyalty Programs That Collect Minimal Info

Customers More Likely to Join Loyalty Programs That Collect Minimal Info | The CYDigital Blog | Scoop.it
More businesses are adopting customer loyalty programs because it is much easier to deploy. But a new report has revealed Americans are more cautious when it comes to joining a loyalty program.
A survey conducted by The Harris Poll on behalf of Wilbur says 76% of Americans are more likely to join a program which collects only their name and phone number. An almost equal number (71%) said they would be less likely to join a rewards program which collects personal information. This includes address, account information, and other sensitive data.

These two data points highlight the growing concern Americans have about their personal information. As increasing number of organizations report data security breaches, consumers are leerier about who they hand out their information to.
CYDigital/marteq.io's insight:

That's a significant percentage. Even if they're off by half, it's a huge difference maker.

 

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Instead of taking our data, some companies ask nicely for it

Instead of taking our data, some companies ask nicely for it | The CYDigital Blog | Scoop.it
Eager for more personalization and consumer trust, companies are increasingly turning to zero-party data, according to Forrester. In a November report, the research firm said that 57% of consumers would share data in exchange for personalized offers. By next year, 15% of global brands will be collecting zero-party data.

In the meantime, the advertising industry could gain more trust among consumers by proactively adopting zero-party data and other privacy-protecting practices. At a time when third-party data usage is only growing, making data volunteerism an appealing business model will depend upon giving consumers clear incentives to volunteer the data that advertisers want, through rewards, unlocked paywalls, or other benefits. It will also depend upon building more trust through transparency. The companies themselves will need to volunteer more of their own data too, including what, exactly, they’re doing with ours.
CYDigital/marteq.io's insight:

Consumers ARE willing to exchange data for value! Make the offer, and viola!

 

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Major Browsers to Prevent Disabling of Click Tracking Privacy Risk

Major Browsers to Prevent Disabling of Click Tracking Privacy Risk | The CYDigital Blog | Scoop.it
Newer versions of Chrome, Safari, and Opera will no longer allow you to disable hyperlink auditing, which is a concern for those seeking maximum privacy. While some of these browsers previously allowed you to disable this feature, newer versions are going in the opposite direction.
CYDigital/marteq.io's insight:

Going in the wrong direction.

 

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