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Advertising & Marketing in the USA - Lexology

Advertising & Marketing in the USA - Lexology | The CYDigital Blog | Scoop.it
A structured guide to advertising & marketing in USA
CYDigital/marteq.io's insight:

An excellent summary of regulations governing advertising and marketing in the U.S., and includes a section on privacy. For other countries...

 

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New Internet Explorer Exploit Could Threaten Your Cryptocurrency Stash

New Internet Explorer Exploit Could Threaten Your Cryptocurrency Stash | The CYDigital Blog | Scoop.it
With that said, there is a surprisingly large number of cryptocurrency owners that use old computer hardware for cold storage. Should this wallet be connected to the internet on a device with Internet Explorer as the default browser, then this wallet could potentially be extracted by an attacker under the right conditions.
CYDigital/marteq.io's insight:

Moral of the story: please don't use your internal hard drive as your cold storage device!

 

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The data brokers quietly buying and selling your personal information

The data brokers quietly buying and selling your personal information | The CYDigital Blog | Scoop.it
Thanks to a new Vermont law requiring companies that buy and sell third-party personal data to register with the Secretary of State, we’ve been able to assemble a list of 121 data brokers operating in the U.S. It’s a rare, rough glimpse into a bustling economy that operates largely in the shadows, and often with few rules.
CYDigital/marteq.io's insight:

And the crazy thing is: this is not a comprehensive list.

 

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Get paid for your data? California weighs landmark tech law

Get paid for your data? California weighs landmark tech law | The CYDigital Blog | Scoop.it
During his State of the State address last month, California Gov. Gavin Newsom made a brief, if bold, promise.

“California’s consumers should be able to share in the wealth that is created from their data,” said Newsom, who went on to add that his team was working up a proposal for what he called a "data dividend." 

The term was simple, self-explanatory and puzzling.

A law that would compensate consumers for the use of their data by tech monoliths such as Google and Facebook, who make billions off this information, is so novel it would be a national and indeed global first.

But as appealing as a data dividend might sound, data privacy experts say it is far more easily announced than implemented.
CYDigital/marteq.io's insight:

CYDigitial has started discussions with the State of CA about this program.

 

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Total Reinsurance Capital Drops in 2018, but Alternative Capital Keeps Rising: Willis Re

Total Reinsurance Capital Drops in 2018, but Alternative Capital Keeps Rising: Willis Re | The CYDigital Blog | Scoop.it
Sen. State Sen. Hannah-Beth Jackson, D-Santa Barbara, introduced Senate Bill 561. Her bill would expand a consumer’s rights to bring a civil action for damages.

Companies that collect personal information should be paying close attention to SB 561, according to Anne Kelley, a partner in the Walnut Creek, Calif. law office of Newmeyer & Dillion, who practices in construction litigation and insurance coverage matters.

“It would really open the doors for litigation under the CCPA,” Kelley said.

The current version of the CCPA, set to go into effect in 2020, enables a limited private right of action. Individuals can bring a lawsuit if there’s been a data breach and a company isn’t using reasonable security measures to protect information being gathered. If SB 561 passes as it’s currently worded, then any violation of CCPA will give individuals a private right of action.
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Privacy, Mine: the Right of Individual Persons, Not of the Data | Linux Journal

Privacy, Mine: the Right of Individual Persons, Not of the Data | Linux Journal | The CYDigital Blog | Scoop.it
  • Privacy pertains to the person; “privacy” is the state of being free from public attention and unwanted intrusion.
  • Data is not privacy, but data from or about a person can be private or not private depending on how it’s used, who is using it and who has control of it.
  • In the digital world, a person’s privacy policy is like the clothing that one puts on to signal what data they consider private and what is not private.
  • The companies (sites, apps and so on) that respect a person’s privacy will build relationships with that person over time.
  • The accumulation of trust over time incentivizes good behavior by both parties, to preserve value and not lose it instantly.
CYDigital/marteq.io's insight:

Utopian. 

 

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Website Users Willing to Exchange Privacy for Better CX

Website Users Willing to Exchange Privacy for Better CX | The CYDigital Blog | Scoop.it
Sitel recently conducted a survey and found that consumers (about 33 percent) are most willing to share their personal information with companies in the banking and financial services industry for a better customer experience, but less willing with travel (17.92 percent), hospitality (15.92 percent) or retail (15.33 percent) companies. “While there's a clear appetite for better customer experiences, and consumer expectations only continue to grow, it's now the job of the company to prove that customers' private information will be safe and secure in their databases,” Mike Small, CEO of Americas at Sitel Group, said.
CYDigital/marteq.io's insight:

Exchanging data for better CX not nearly as high as exchanging it for value.

 

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Consumers Worry About Personal Data Privacy But Few Take Action: Study

Consumers Worry About Personal Data Privacy But Few Take Action: Study | The CYDigital Blog | Scoop.it
So it’s not surprising that a privacy survey from IBM’s Institute for Business Value that came out Monday would show some big reactions to the topic, as Axios reported. Eighty-one percent of consumers say they’ve become more concerned about how companies use their data, while 87% think companies should be more heavily regulated on personal data management. Three-quarters of the people felt like they were less likely to trust companies with data and 89% said companies should be clearer about how their products use data.

But even though consumers are concerned with one story after another of companies losing or misusing personal data, apparently it’s not enough for them to take actions in response. Seventy-one percent said that they were willing to give up privacy to get access to what technology can offer. Only 45% have updated their privacy settings on products in response and 16% walked away from a company because of data misuse.
CYDigital/marteq.io's insight:

This is supported by other research: Consumers are definitely willing to exchange data for value.

 

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The-Shocking-Things-Google-Other-Big-Tech-Companies-Know-About-You.jpg (778x3520 pixels)

John Rizzo's insight:

Do you find this shocking? What I find shocking is even with all this they still only have a fragmented view of each user. This is why you get all those weird ads that have nothing to do with you. At CYDigital we are trying to fix that while also giving you control of your data and how it gets used.

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A Movement for Personal Data Protection From Tech Giants Rises in China

A Movement for Personal Data Protection From Tech Giants Rises in China | The CYDigital Blog | Scoop.it
China is in the early stages of setting up a data protection regulatory system to police Facebook's Chinese counterparts. Chinese companies are increasingly finding that the days of collecting data without public scrutiny are over—and Chinese consumers are vocally standing up for their own privacy in ways not seen before. For this reason, a number of scholars hailed 2018 as the year when the Chinese public awakened to privacy.
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The rumors are true! Samsung confirms S10 will include crypto key storage | Chepicap

The rumors are true! Samsung confirms S10 will include crypto key storage | Chepicap | The CYDigital Blog | Scoop.it
As it turns out the formally dismissed “rumor and speculation” surrounding Samsung’s latest phone have been verified as true; the company’s new frontrunner will include secure storage for cryptocurrency private keys.

In a press release yesterday, the company unveiled the features of the new Galaxy S10, specifying one attribute, in particular, that was bound to raise a smile from even the most hardened crypto aficionado.
CYDigital/marteq.io's insight:

A major step towards mass adoption.

 

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Does Google hate crypto?

Does Google hate crypto? | The CYDigital Blog | Scoop.it
Advertisers are getting frustrated with increasing advertising costs / the decreasing effectiveness of ads placed on the big three platforms. Consumers, facing advertising fatigue have increasingly become immune to ads, or outright blocked them.

According to an IAB report on ad blockers, 26% of respondents said they use ad blockers, with younger users more likely to browse with ad blocking extensions or software. Another digital advertising trends report by Proxima suggested that more than half of online ads aren’t seen by humans (but rather are counted as bot views), and concluded that up to 60% of digital ad marketing spend is wasted.

Of course, one of the many hyped potential applications of the crypto-blockchain tech stack is the improvement of digital advertising. According to the white paper of “global decentralized advertising exchange” Ubex, for example, the combination of blockchain, artificial intelligence and the pay per result principle could help to free the Internet from unnecessary ads, reduce the average cost of attracting customers by 50%, and eventually achieve a much higher ad conversion rate. 

With alternative models on the horizon, advertisers in search of more favorable prices may soon give preference to blockchain-based ad networks. Meanwhile, how could it be that Google and the other tech giants don’t see the writing on the wall? After all, in the past decade – from AI to augmented reality – there’s hardly been a technology that Google didn’t experiment with.
CYDigital/marteq.io's insight:

Google indeed missed the boat on this, unless they were able to gather data from all sources: Google and non-Google.

 

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Why We Need Personal Data Management Systems

Why We Need Personal Data Management Systems | The CYDigital Blog | Scoop.it
Zero party data often stems that service-for-information tactic, and although this may well change the face of marketing owing to its mutually beneficial nature, any privacy trade-off is still problematic.

We’ve come a long way since technologically fuelled data-hungry strategies became mainstream. As a result, the notion of privacy feels utopian. Hope, however, isn’t lost. A consumer data management platform may bring the idea into realism. 
Businesses around the globe regard data as their most valuable asset, but somehow consumers haven’t tuned into this thinking as of yet. Although optimistic that public concern for how their data is used has increased, a core problem remains that privacy and data are confusing.
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Google spin-off will collect and SELL the location data of its users | Daily

Google spin-off will collect and SELL the location data of its users | Daily | The CYDigital Blog | Scoop.it
Using Replica, a New York based sister firm of Google, will be able to ascertain the total number of people on a road, what mode of transport they are using and what the purpose of their trip is.
CYDigital/marteq.io's insight:

This has to stop!

 

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Can blockchain give us back our privacy?

Can blockchain give us back our privacy? | The CYDigital Blog | Scoop.it
Fortunately, there is a third option, enabled by blockchain, the innovation underlying bitcoin and other cryptocurrencies. The same code that identifies each bitcoin as unique and secures the vast Bitcoin network (worth more than $85 billion) against hacking, could do the same for every person. It starts with a digital ID unique to each person, secured cryptographically with a private key pair, and comprised of multiple factors or data points. The more factors, the harder the identity is to fake or hack. Such an ID enables individuals to create and manage their own “digital black box” of private data.

CYDigital/marteq.io's insight:

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How Blockchain Can Protect Big Data and IoT Devices –

How Blockchain Can Protect Big Data and IoT Devices – | The CYDigital Blog | Scoop.it
So how can customers retain privacy and data ownership? At the same time, how can companies incentivize consumers to volunteer data that can help improve products and services?

The answer is blockchain.

Blockchain technology offers us a way to tokenize data and cryptographically secure that data in private wallets. Cryptocurrency is programmable and can act as both a currency and a conduit for securely delivering and tracking data. Blockchain instills trust in the form of consensus. Developers can code smart contracts that check the integrity of data entered in the blockchain and actively reward providers of “good data.”

These days, almost everything is connected to the Internet. The Internet of Things (IoT) is unstoppable. Now, blockchain can offer a responsible and secure way to manage data in a way that benefits everyone.
CYDigital/marteq.io's insight:

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We Need To Set The Bar Higher On Privacy

We Need To Set The Bar Higher On Privacy | The CYDigital Blog | Scoop.it
How we collectively decide what the rules of the game for this new data-driven economy is, I would argue, one of the most important issues facing global policymakers today.At the core of these considerations is the fundamental issue of data ownership. Who owns and controls data, for what purpose and to what end is it being employed?As a CEO of a company that made security and privacy not only a priority but a core element and value proposition of its business, I feel we have a collective responsibility to tackle this issue.Businesses should protect the data they manage, not exploit it. Every individual should own their own data. It should be yours, and yours only.
CYDigital/marteq.io's insight:

And that's from the CEO of Blackberry.

 

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TikTok Owner Musical.ly Fined $5.7 Million Over Child Privacy

TikTok Owner Musical.ly Fined $5.7 Million Over Child Privacy | The CYDigital Blog | Scoop.it
Whether in its former life as lip-synching app Musical.ly or its current rebrand as TikTok, the short-form video platform has always courted a youthful demographic. And in the past, its stance on obtaining user consent was, let’s say, inattentive. For both these reasons, it’s now the recipient of the largest civil penalty for violating the online privacy of children.
John Rizzo's insight:

Data collection abuse is epidemic. There are other models that include everyone in the value chain.

 

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People Will Trade Personal Data for Convenience and Security: Experian

People Will Trade Personal Data for Convenience and Security: Experian | The CYDigital Blog | Scoop.it
People are more than happy to share their personal data, just as long as they’re getting something in return. 

That’s the main takeaway from Experian’s Global Identity and Fraud Report, which found that growing privacy concerns have not soured people on the overall potential of the digital experience. The vast majority (90 percent) of consumers are aware that businesses are collecting personal information, but 70 percent would still be willing to hand over more information if it would make their online interactions faster and safer.
CYDigital/marteq.io's insight:

Consistent with other data we've found.

 

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Tim Cook's call for federal regulation of data privacy won't work

Tim Cook's call for federal regulation of data privacy won't work | The CYDigital Blog | Scoop.it
We’re truly in the midst of a new age of privacy challenges. Digital consumers are more confused and suspicious than ever when it comes to the unconditional transfer of their personal data, and they are quickly becoming more interested in their rights under burgeoning privacy legislation sweeping the globe. The Cambridge Analytica scandal didn’t just make the tech press but unfolded on front pages the world over. And with every negative headline, consumer trust has eroded in organizations that use purchased data sets, cookies and click trails to power their marketing.
CYDigital/marteq.io's insight:

Written by Scott McNealy.

 

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Privacy Groups Disturbed by California Governor’s Data-Dividend Plan

Privacy Groups Disturbed by California Governor’s Data-Dividend Plan | The CYDigital Blog | Scoop.it
Advocates fear Gavin Newsom is proposing what they see as a counterproductive “pay-for-privacy” regime—and they’re wondering why the governor won’t clarify his proposal.
John Rizzo's insight:

The below thinking is based on looking at the existing models. There are new models emerging where a data dividend is a necessary part of the system. Like what we are doing at CYDigital 

 

"Privacy advocates say a pay-for-privacy model is in fact an insidious way for tech platforms to legitimize and entrench their data-collection practices."

 

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Cryptocurrency Exchanges And Payment Providers Announce New Products - Fin Tech - United States

Cryptocurrency Exchanges And Payment Providers Announce New Products - Fin Tech - United States | The CYDigital Blog | Scoop.it
Ways to exchange cryptocurrency continue to grow. Bittrex, a U.S.-based cryptocurrency exchange, announced its launch of an over-the-counter (OTC) trading desk that will support the nearly 200 cryptocurrencies the exchange currently offers. According to Bittrex, the OTC desk will allow parties to transact directly, unlike exchange trading, which matches buy and sell orders through an order book. Binance, another prominent exchange, announced its new fiat-to-crypto exchange, which will be based in the island of Jersey. "Jersey Binance" will purportedly enable traders in Europe and the UK to trade Bitcoin and Ethereum against the British pound and the Euro. New reports also reflect a continued increase in the number of cryptocurrency ATMs, citing roughly 4.9 ATMs installed per day worldwide (with more installed in the United States than in any other country). Getting paid in cryptocurrency by an employer may soon become easier as well. Bitwage, a cryptocurrency payment and wage service, announced a new system that allows companies to pay salaried employees in cryptocurrency. The system includes a new crucial feature that converts a portion of funds into dollars so employers can pay withholding taxes. And one fiat-backed cryptocurrency began the new year with positive news. Cryptocurrency finance company Circle released the third audit of its fiat-backed stablecoin USD Coin. The audit, conducted by a major U.S. accounting firm, confirmed that USDC tokens do not exceed the company's fiat reserves.

CYDigital/marteq.io's insight:

More evidence of adoption.

 

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Do We Need A New Federal Agency to Enforce Privacy Laws? –

Do We Need A New Federal Agency to Enforce Privacy Laws? – | The CYDigital Blog | Scoop.it
The privacy framework also calls for increased transparency of algorithms used by social media giants like Facebook, search engines like Google and fintech companies, and seeks to limit government access to consumer data.

The consumer groups released the framework almost two months after the FTC testified before the Senate Committee on Commerce, Science and Transportation and asked for greater rulemaking authority to crack down on Big Tech, the authority to fine tech companies for privacy violations, and more resources to tackle privacy issues.

Given the FTC’s apparent willingness to hold tech companies accountable for misconduct, especially when involving consumer data protection, the American Enterprise Institute’s Visiting Scholar Roslyn Layton thinks a new data protection agency is unnecessary and a waste of resources.

“FTC as a federal agency offers tremendous taxpayer value — they handle literally millions and millions of consumer complaints every year,” Layton told InsideSources. “The conversation should really be about strengthening the FTC, not punishing it.”
CYDigital/marteq.io's insight:

Agency not needed. Enforcement is needed.

 

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10 tips to keep your data private

10 tips to keep your data private | The CYDigital Blog | Scoop.it
It’s not just keeping your data protected from corporate fat cats, either: Scammers, fraudulent sites, hackers, and spammers can slip into any crack you haven’t sealed. It sounds like a cheesy horror movie, but the reality is that data breaches are happening on bigger scales every day and if you’re going to ford the waters of the Internet you need to start wearing a life preserver. Here are 10 tips that should keep your data private in 2019.

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A B2C Marketer’s Guide on How to Improve Customer Experience in 2019

A B2C Marketer’s Guide on How to Improve Customer Experience in 2019 | The CYDigital Blog | Scoop.it
Owing to data compromise revelations and regulations such as EU GDPR, California’s Consumer Privacy Act, etc., customers now want to have more control over the kind of data they share and how it will be used. Though marketers may initially feel the heat from diminishing access to third-party data, they will eventually embrace and leverage ‘Zero Party Data’.

Zero-Party data, according to this Wayin blog on a Forrester Report, is “data that is intentionally and proactively shared directly with you by the consumer … A type of data that is never inferred through income or device matching, nor is it merely observed through spending behaviors or cookie data.”

Some of the advantages of zero party data are:

Brands can build direct relationships based on trust with the customer
They gain access to cleaner, updated, and quality data sets
Better personalization of experiences
Ability to redirect third-party data budgets to improve customer experience
CYDigital/marteq.io's insight:

We're waiting for zero-party data to take off.

 

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