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Why does your business need a data strategy?
A data strategy is no longer a luxury but a necessity for businesses striving to succeed in today’s competitive, data-driven landscape. To implement an effective data strategy, partnering with a trusted expert is essential. EnFuse Solutions, a leading data management company, helps unlock the full potential of your data. Invest in a data strategy today and transform your business for tomorrow!
#DataStrategy#BusinessDataStrategy#StrategicDataManagement#DataGovernance#DataDrivenDecisions#EnterpriseDataPlanning#DataIntegrationStrategy#DataArchitecture#DataManagementSolutions#BusinessDataOptimization#DataStrategyConsulting#DataUtilization#DataStrategyForBusiness#EnFuseSolutions#EnFuseSolutionsIndia
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Governor's Appeal Positively Impacts E-ID Card Registration and IKD Activation
Governor's Appeal Positively Impacts E-ID Card Registration and IKD Activation #DigitalTransformation #eIDActivation
Hargo.co.id, GORONTALO – The Governor’s appeal through letter number 470/DKPS-PMD/74/1/2024 dated January 16, 2024, has had a significant impact on the increase of E-ID card registrations and IKD activations in Gorontalo. This was conveyed by the Head of PIAK and Data Utilization Division of the Gorontalo Provincial Dukacapil PMD Office, Amran Pahrun, to the media on Tuesday (30/1/2023). “Yes,…

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Turning data insights into impactful decisions can revolutionize your strategies. Check out our latest blog post on utilizing the full potential of B2B data!
#InsightToImpact#B2BData#DataDrivenDecisions#BusinessIntelligence#ImpactfulStrategies#DataRevolution#B2BInsights#ActionableInsights#DataDrivenSuccess#B2BStrategy#BusinessImpact#DataEmpowerment#InnovationInB2B#DataUtilization#TurningInsightsIntoAction#BusinessTransformation#DataOptimization#B2BInnovation#DrivingSuccess#DataDrivenResults#StrategicDecisions
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The Impact of Technology on Customer Analytics Trends
Originally Published on: QuantzigTech’s Role in Shaping Customer Analytics Trends and Insights
In today's data-driven landscape, customer analytics undergoes significant evolution, largely propelled by technological advancements. Foundational elements such as artificial intelligence, machine learning, big data processing, and predictive models are reshaping how businesses perceive and interact with their customer base. Let's explore how technology shapes trends in customer analytics and insights, uncovering innovative strategies that redefine customer interactions and drive business growth. #CustomerAnalytics #TechTrends
Empowering Insights through Technological Innovations
Technological advancements empower businesses to derive invaluable insights from customer experiences, product interactions, and user satisfaction. Real-time customer insights, facilitated by natural language processing and cloud-based services, provide guidance in understanding customer journeys and behaviors. It's vital for businesses to harness insights from customer and product experiences, alongside user satisfaction, to adeptly navigate multi-channel interactions. #RealTimeInsights #DataUtilization
Addressing Critical Challenges in Customer Data Management
A leading e-commerce company in Europe faced several challenges in managing customer data and implementing personalized strategies. Inadequate data management hindered their ability to efficiently organize and utilize customer data, resulting in insufficient personalization and difficulties in identifying repeat customers. Implementing no-code growth tools and involving non-technical roles became imperative to address these challenges. Advanced algorithms and tools were deployed to analyze data and enhance customer engagement and loyalty. #DataManagementChallenges #PersonalizationStrategies
Revolutionizing Insights and Decision-Making with Quantzig
Quantzig, an advanced analytics provider, offers comprehensive solutions to understand and engage with customers effectively. From segmentation analysis to predictive modeling, their platform drives personalized marketing strategies, enhances customer satisfaction, and optimizes business performance. Leveraging real-time insights and cloud-based services, businesses can stay ahead of customer analytics trends and enhance user experiences through self-service analytics tools. #QuantzigSolutions #ActionableInsights
Unveiling Growth Opportunities with Quantzig's Approach
Quantzig's approach involves establishing a robust Customer 360 Datamart to amalgamate various data categories and gain profound insights into customer dynamics. Utilizing advanced methodologies and real-time customer insights, they identify customers' behaviors and preferences, enabling personalized engagement strategies. Cloud-based services ensure scalability and flexibility in handling diverse data sources, while multi-channel insights provide a comprehensive analysis of customer interactions. #Customer360 #PersonalizedEngagement
Maximizing Campaign Performance for Enhanced Results
Tailored activation strategies were formulated for both website and campaign touchpoints to enhance engagement, personalization, and conversion rates. This optimization led to a 22% uplift in response rates for targeted ROI maximization campaigns, driving revenue growth and fostering enduring relationships. #CampaignOptimization #RevenueGrowth
Overcoming Implementation Challenges with Innovative Solutions
Challenges such as incomplete data coverage, business dilemmas, data integration, and scalability are addressed through next-generation customer analytics solutions. By leveraging predictive analytics and cloud-based platforms, organizations can navigate these challenges effectively and stay ahead of the curve. #ImplementationChallenges #NextGenAnalytics
Conclusion: Embracing Technological Advancements for Customer Success
In conclusion, technology plays a pivotal role in shaping customer analytics trends, driving insights, and empowering businesses to understand and engage with their customers effectively. By embracing tech-driven approaches, organizations can navigate challenges, optimize strategies, and drive sustainable growth in today’s competitive landscape.
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Mobile Value Added Services (MVAS) Markets, 2024: Strategic Business Report – Changing Consumer Mobile Usage Habits Augur Well for MVAS Market
Mobile Value Added Services (MVAS) Markets, 2024: Strategic Business Report – Changing Consumer Mobile Usage Habits Augur Well for MVAS Market
Growth in Mobile Users to Drive MVASKey Opportunity indicatorsGrowing Smartphone Sales Lends Traction to MVAS MarketOpportunity IndicatorsMedia Tablets too Add to the Demand for MVASApple App Store & Google Play Revolutionize Mobile Content DistributionLend Traction to MVASApp Store vs Google Play: A Comparative AnalysisPaid Services or Free AppsOpportunity Nevertheless for MVAS ParticipantsChanging Consumer Mobile Usage Habits Augur Well for MVAS MarketFavorable Demographic Trends Strengthens Market Prospects for MVASDeveloping MarketsAggressive Customer Retention Strategies by MSPs to Sustain Demand for MVAS in Developed Markets2. NOTEWORTHY TRENDS, DRIVERS & ISSUESRising Usage of Connected DevicesA Key Growth DriverData and New Technologies Rule the RoostGrowth of VAS and OTT ServicesAdvent of Social Media Platforms Foster Growth for MVASIncreased Mobile Engagement Expected to Drive M-Commerce RevenuesContent Marketing, a Major Marketing Tactic for E-commerceChatbots for Handling Growing VolumeSocial Media Platforms Help Brands to Serve CustomersSafe and Secure Payment Processing Technologies on Mobile PlatformsArtificial Intelligence for Automatic InteractionNative Push Notifications, a Powerful ToolFaster Delivery for Attracting CustomersGrowing Penetration of Fixed/Mobile Networks and Internet based Devices Transforming Consumers’ Mobile Communications BehaviorsVAS to Boost Adoption of mobile Phones for Making Payments and PurchasingGrowing Popularity of In-aisle Payment TechnologyPersonalized Experience for CustomersImproved Social Engagement on Social MediaWearables Drive MVASTrends Shaping the Global Mobile EcosystemArtificial Intelligence for Strengthening Performance of Emerging SectorsImpressive Growth in Revenue Generation by Content ServicesRobust Demand of Smartphones in Emerging MarketsPrimary Use of Mobile Internet by New Mobile SubscribersGrowth in OTT Communications Apps Negatively Impacting P2P SMSA2P SMS Adoption by Enterprises Continues to GrowInnovations in A2P SMS LandscapeQuality EnhancementMNOs Move to Protect RevenuesEnterprise Communications Enter the OTT SpaceGreater Engagement of OTT Communications Apps with EnterprisesUse of SMS for Internal Communication in EnterprisesExpanded Usage of SMS Communication by EnterprisesKey SMS AlternativesGrowing Usage of WebRTC Technology in EnterprisesWebRTC as Substitute for A2P SMSMobile FinanceThe Fastest Growing MVAS SegmentSmartphones: A Key Enabler of Mobile Finance/CommerceMobile Banking MarketAn Intensifying Mobile Data Traffic StreamMobile PaymentsLocation-Based Advertising Gain Rapid AdoptionPremium SMS to Revive Market Opportunities for Traditional Messaging Based ServicesGrowing Demand for Entertainment ContentKey Opportunity IndicatorsMobile Music Fuels MVAS Market GrowthMobile Gaming Offers Opportunities On a PlatterStrong Demand for Mobile Video Provides Growth ImpetusMobile TV Generates Additional Revenues for MVAS Market ParticipantsMobile Gambling Market on Roll Worldwide’Social Networking on the Move’ Encourages MVAS Market GrowthKey Statistical DataUtility MVAS to Grow in Popularity in Coming YearsM-Governance: An Emerging FrontierM-Learning: Learning on the MoveM-Health Gaining Traction in HealthcareM-Agriculture Tends to Emerge as a Boon for Agriculture CommunityM-Advertising Gains ProminenceEnterprise: A Critical Segment for Mobile Data ProvidersM-Engagement: The Future of MVASHigh-Speed Networks Determine Success of New Mobile MVAS ServicesMVAS Over Wi-Fi: An Emerging Revenue GeneratorCloudThe New Paradigm for Mobile VASNetwork Operators Lean Towards Managed MVAS ServicesKey Issues & ChallengesA Burning Issue for Digital Music & Video Content3. MOBILE VALUE ADDED SERVICES – AN OVERVIEWAn IntroductionCharacteristics of Value Added ServicesAdvantagesCosts of Value Added ServicesValue Added ServicesBased on Nature of Service DeliveryBased on Nature of ServiceVAS ApplicationsTerrapay Introduces international mobile money transfers in UgandaApple Launches Redesigned App StoreOnMobile Introduces ONMO Express App in the USSamsung Unveils Samsung PaySamsung Introduces Samsung Pay in IndiaApple Unveils ClipsZTE Introduces RCS Based Video Call SolutionRoute Mobile and Aircel Partner to Introduce SMSC-as-a-ServiceBSNL Offers Discounts on VAS for NGN CustomersIntex to Introduce VAS on Company’s DevicesGoogle Partners with Sprint to Launch RCS MessagingAT&T Unveils New Mobile Share Advantage PlanSparkle and 365squared Introduce SMS Booster for Mobile Operators365squared Unveils 365messengerDefne Introduces Intelligent Mobile Marketing PlatformeServGlobal Introduces Advanced Customer Adoption ModuleVodafone Introduces Vodafone Cash in GhanaTelefnica and TeleSign Unveil ‘Travel Alerts’eServGlobal Introduces Mobile Money Smartphone App5. RECENT INDUSTRY ACTIVITYSamsung Pay and PayPal Sign Strategic PartnershipHuawei and WorldRemit Partner for Expanding Mobile Money Transfer FootprintLINK Mobility to Acquire Voicecom ADMTS Introduces Redesigned Money Wallet AppIMImobile and Telenor Group Sign AgreementNunace Acquires mCarbon Tech InnovationsXura to Acquire Mitel MobilityCarlyle Group Acquires Minority Stake in FSPayguru and Empello Sign Strategic Partnership for Mobile Payments in TurkeyDigital Turbine Enters into Partnership with Brightstar to Provide VAS to OEMs and CarriersMahindra Comviva Becomes VAS Partner for duVodafone and HomeSend to Extend M-Pesa to New MarketsOrange and Google Enter into Partnership for VAS in the Middle East & AfricaFIH Mobile Acquires Minority Stake in MoMagic TechnologiesGoogle Takes Over Jibe MobileMerged Entity of Comverse and Acision Renamed XuraComverse Acquires Acision
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Facebook slaps down Admiral’s plan to use social media posts to rate gondola insurance premiums
UK insurance firmAdmiral had intended to launching an app this week give dismissed gondola insurance premiums to first time operators based on an algorithmic evaluation of their Facebook posts.
All motorists would have had to do is sign in with their Facebook logintogrant permission to the company to scan their Facebook posts in order to get a potential discount on their automobile insurance premiums.
However the experimenthas fallen fouled of Facebooks platform policy, which gives strict limits on how developers on theplatform can use the information usersshare with them.
Clause 3.15 of thepolicy too specifically prohibitsuse of data obtained from Facebook to
make decisions about qualification, including whether to approve or scorn an application or how much interest to accuse on a loan.
In an interview with The Guardianabout the opt-in firstcarquote app, project cause Dan Mines described itas a test, telling: We are doing our best to build a commodity that allows young people to identify themselves as safe drivers This is innovative, it is the first time anyone has done this.
The algorithms that Admiralhad developed for the app apparently aimed togleanpersonality traitsfromusers Facebook berths by analyzing how berths were written with individuals whoscored well forqualities such as conscientiousness and group more likely to be offered discountsvs the individuals who cameacross as overconfident/ less well organized, as adjudicated by their Facebook postings.
Photos were not intended to beused to assess moves the analysis was strictly based on verse modernizes to Facebook.
Our analysis is not based on any one specific simulate, but rather on thousands of different combinations of likes, words and phrases and is constantly changing with new evidence that we obtain from the data, Yossi Borenstein, the principal data scientist on development projects, told the times. As such our estimates indicate how operators generally behave on social media, and how predictive that is, as opposed to fixed beliefs about what a safe motorist may look like.
Giving a more specificexample of how Admirals appwould beassessing a Facebook users attitudebehind the wheel, The Guardian advocated overuse of utterance differentiates in Facebook poles might count against a first time operator, whileposting lists and writing in short, concrete convicts containingspecific detail would be seen as a plus.
Admiral remarked no price rises would be incurred as a result of using the app but deductions of up to 350 were set to be offered although the company was likewise not ruling out expanding the projectin future to loop in additional social media services and, potentially, to also increase payments for some drivers.
The future is unknown, suggested Mines. We dont know if people are prepared to share their data. If we find people arent sharing their data, then we wont ever get to consider that[ expanding firstcarquote ].
As it turns out, the apps future is unknown as Facebook is not prepared to share user data with Admiral for this eligibility assessmentuse-case. Which, if the team had readFacebooks platform policy, should have been instantly clear.
PresumablyAdmiral has beenworking on the app for multiplemonths at the very least. Yetagain, any Facebook platform developer should be aware that all apps are subject tofinal review by the company before they can golive to ensure compliance with itsplatformpolicy. Even test apps.
Admiral now announces the firstcarquotelaunch has been delayed memo on the websitethat: We are particularly hoping to have our sparkling brand-new commodity ready for you, but theres a enlistment: we have yet to sorting a few final details.
It likewise touts other utilization occasions for the app such as being able to see what some other brand-new motorists have paid forcar insurance and somedetails of the cars they drive. Although thats a far cry from present first time motorists dismiss based on how many ejaculations brands they are usually deployin their Facebook posts.
We tried to contact the company with questions but atthe time of writing Admiral had not answered, and its press part had admitted itself too busy to speak withan outside PR firm being engaged to fence inquiries. Well update this story with any response.
In a statement provided to TechCrunch a Facebook spokesperson confirmedAdmiral will only be able to use Facebook details for login and identity verification so not for scanning post data. The companyfurther proposes the insurerintends to rework the app to createan alternative data source connection toassess motorists eligibility.
The Facebook spokesperson told TAGEND
We have clear guidelines that prevent datum being to attain Facebook from utilized to make decisions about eligibility.
We have attained sure anyone using this app is protected by our the guidance and that no Facebook user data is used to assess their qualification. Facebook accounts will only be used for login and verification purposes.
Our understanding is that Admiral will then request users who sign up to answer questions which will be used to assess their eligibility.
Its worthnoting that Facebook has itself patented use social graph for assessing eligibility of creditworthiness, as the Atlantic reported last year.
US patent 9,100, 400, to give to Facebook in August 2015, includes a particular procedure for authenticating private individuals for access to information or service based on that individuals social network with oneof the illustrations given using the scenario of aservice provider beinga lender who estimates an individuals creditworthiness based on the average credit rating of the people the individual is connected to on their social network
In a fourth personification of the invention, the service provider is a lender. When private individuals applies for a loan, the lender analyse the credit ratings of members of private individuals social network who are connected to the individual through authorized nodes. If the average credit rating of these members is at least a minimum credit tally, the lender continues to process the lend application. Otherwise, the loan application is rejected.
Its ambiguous whether Facebook proposes or are aiming to launch any such creditworthiness evaluation service itself we asked and it did not answer. But numerous patents are registered defensively and/ or speculatively. And, as the Atlantic notes, utilizing person or persons social graphto assess creditworthiness wouldrun massive risks ofattracting discrimination litigations. So the patent “doesnt really” read like a serious produce proposal on Facebooks part.
Beyond that, if Facebooks platform were to become actively participate in weightyexternalassessments of individuals, with the potential to have seriouslynegative impacts on “peoples lives”, the company would risk discouraging customers fromsharing the sort ofpersonaldata its ad-targetingbusiness framework relies on. Which is surely part of the reason its denyingAdmiralthe ability to scanFacebook posts to estimate driving proficiency.
Facebook is already negatively actively participate in district surveillance pleasure as ahoneypotof datautilized byintelligence and law enforcement agencies. And on privacy sand, given its own business example relies on profiling users for ad targeting. But stepping into offering formal assessments of individuals creditworthiness, for example, would feel likea massive fulcrum for the social media monstrous although the temptation for it to try to open more worth fromthe mountain of data available it sits on isonly setto grow, givenAIsrising star and originating appetite for data.
In a blog post welcoming Facebook blocking Admiral from checking consumers berths, digital privileges establishment the Open Rights Grouppointsout the underlying biases that canmake any such algorithmic evaluations problematic.
There are significant risks in allowing financing of the or policy industry to base appraisals on our social media work, writes Jim Killock. We might be penalised for our posts or disavowed the advantages and discounts because we dont share enough or have interests that label us out as different and somehow inaccurate. Whether purposeful or not, algorithm could perpetuate social biases that are based on race, gender, belief or sexuality. Without knowing the criteria for such decisions, how can we petition against them?
Insurers and fiscal corporations who are beginning to use social media data necessity engage in a public discussion about the ethics of these practices, which stand a very intensive examination of factors that are entirely non-financial, he adds.
Facebooks data is rich, but often equivocal, may paucity context and presents many risks. It is not clear to us that social media report is an appropriate tool for fiscal decision making .
Asked for hisview on health risks of Facebook itself expending its stage to sell appraisals on the fitness of its users for accessing other commodities/ assistances, such as financial makes, Killock too told TechCrunch: Patterns on profiling and use of data have to ensure that people are not disadvantaged, unfairly adjudicated, or discriminated against. Facebooks data is rich, but often equivocal, may paucity context and existing many risks. It is not clear to us that social media knowledge is an appropriate tool for fiscal decision making.
Also bloggingaboutAdmirals attempt to turn Facebook data into premium-affectingpersonality evaluations, rule prof Paul Bernalvoices similar concerns about what he dubs thevery significantrisks of such a system being discriminatory.
Algorithmic analysis, despite the best intentions of those making the algorithms, are not neutral, but embed the biases and racisms of those creating and using them, he writes. A exceedingly graphic pattern of this was exhumed recently, when the first international grace struggle adjudicated by algorithms managed to produce singularly prejudiced decisions almost all of the winners were white-hot, despite there being no self-conscious mention of skin colour in the algorithms.
Bernalalso argues that the sort of linguistic analysis Admirals app was apparently aiming would havevery likely favored Facebook users in require of what might be seen as developed speech and make any kind of regional, ethnic or differently non-standard exploit of usage employed its user at a disadvantage.
The biases concerned could be racial, ethnic, culture, regional, sex, sexual-orientation, class-based but they will be present, and they will almost certainly be unfair, he adds.
Bernal goes on to suggest thatFacebookusers develop survival tactics as a short term mend fordefeatingany assessments being made of them based on their social diagram and footprints advocating especially youngpeople( who are perhaps currently most at risk of being harmfully judged by their social media work) tokeep the more creative backs of your social life off Facebook.
He too calls fora thrust by regulators towards developing a framework foralgorithmic accountability to control the autonomous engineerings became more deployedto control us.
Algorithms need to be monitored and measured, their impact assessed, and those who create and use them to be held accountable for that impact, he includes. Insurance is only one example but it is a pertinent one, where potential impacts is obvious. We need to be very careful here, and not step blindly into something that has distinct problems.
Algorithmic accountability was alsoflagged as a matter of concern bya UK science and technology parliamentary committeelast month, in each of these reports considering the emcee of social, ethical and legal questions that arise from germinating expend of autonomous technologies, and demonstrated how quickly machine learning algorithms are being deployed towrangleinsights from data-sets.
The committee recommended the governmental forces fixes a standing Commission on Artificial intelligence is targeted at relating principles to govern the development and application of AI, and to provide advice and encourage public talk about automationtechnologies.
While, in the US, arecentWhite House report also consideredthe riskof biases embedded in AI.
The post Facebook slaps down Admiral’s plan to use social media posts to rate gondola insurance premiums appeared first on apsbicepstraining.com.
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Recording of Electronic IDs (e-ID) DP4 Dapodik in Gorontalo Province Continues
#EIDRecording #ElectronicID Recording of Electronic IDs (e-ID) DP4 Dapodik in Gorontalo Province Continues
Hargo.co.id, GORONTALO – The progress of recording Electronic IDs (e-ID) in the List of Potential Voters (DP4) and basic education data (Dapodik) in Gorontalo Province continues to show positive progress. Based on the By Name By Address (BNBA) data released by the Directorate General of Dukcapil Kemendagri, out of a total of 24,432 DP4 Dapodik in Gorontalo Province, 20,235 have already undergone…

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Gorontalo Province Ranks Second Nationally in Initial E-ID Card Registration
#EIDCardRegistration #CivilRegistration Gorontalo Province Ranks Second Nationally in Initial E-ID Card Registration
Hargo.co.id, GORONTALO – Gorontalo has become the second province with the highest national percentage in the initial recording of the Electronic First-Time Voter ID Card (E-ID). This percentage is based on the Potential Voter List for Elections (DP4) and basic education data (Dapodik) released by the Directorate General of Civil Registration (Dukcapil) under the Ministry of Home Affairs. Amran…

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Turning data insights into impactful decisions can revolutionize your strategies. Check out our latest blog post on utilizing the full potential of B2B data!
#InsightToImpact#B2BData#DataDrivenDecisions#BusinessIntelligence#ImpactfulStrategies#DataRevolution#B2BInsights#ActionableInsights#DataDrivenSuccess#B2BStrategy#BusinessImpact#DataEmpowerment#InnovationInB2B#DataUtilization#TurningInsightsIntoAction#BusinessTransformation#DataOptimization#B2BInnovation#DrivingSuccess#DataDrivenResults#StrategicDecisions
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Facebook slaps down Admiral’s plan to use social media posts to rate gondola insurance premiums
UK insurance firmAdmiral had intended to launching an app this week give dismissed gondola insurance premiums to first time operators based on an algorithmic evaluation of their Facebook posts.
All motorists would have had to do is sign in with their Facebook logintogrant permission to the company to scan their Facebook posts in order to get a potential discount on their automobile insurance premiums.
However the experimenthas fallen fouled of Facebooks platform policy, which gives strict limits on how developers on theplatform can use the information usersshare with them.
Clause 3.15 of thepolicy too specifically prohibitsuse of data obtained from Facebook to
make decisions about qualification, including whether to approve or scorn an application or how much interest to accuse on a loan.
In an interview with The Guardianabout the opt-in firstcarquote app, project cause Dan Mines described itas a test, telling: We are doing our best to build a commodity that allows young people to identify themselves as safe drivers This is innovative, it is the first time anyone has done this.
The algorithms that Admiralhad developed for the app apparently aimed togleanpersonality traitsfromusers Facebook berths by analyzing how berths were written with individuals whoscored well forqualities such as conscientiousness and group more likely to be offered discountsvs the individuals who cameacross as overconfident/ less well organized, as adjudicated by their Facebook postings.
Photos were not intended to beused to assess moves the analysis was strictly based on verse modernizes to Facebook.
Our analysis is not based on any one specific simulate, but rather on thousands of different combinations of likes, words and phrases and is constantly changing with new evidence that we obtain from the data, Yossi Borenstein, the principal data scientist on development projects, told the times. As such our estimates indicate how operators generally behave on social media, and how predictive that is, as opposed to fixed beliefs about what a safe motorist may look like.
Giving a more specificexample of how Admirals appwould beassessing a Facebook users attitudebehind the wheel, The Guardian advocated overuse of utterance differentiates in Facebook poles might count against a first time operator, whileposting lists and writing in short, concrete convicts containingspecific detail would be seen as a plus.
Admiral remarked no price rises would be incurred as a result of using the app but deductions of up to 350 were set to be offered although the company was likewise not ruling out expanding the projectin future to loop in additional social media services and, potentially, to also increase payments for some drivers.
The future is unknown, suggested Mines. We dont know if people are prepared to share their data. If we find people arent sharing their data, then we wont ever get to consider that[ expanding firstcarquote ].
As it turns out, the apps future is unknown as Facebook is not prepared to share user data with Admiral for this eligibility assessmentuse-case. Which, if the team had readFacebooks platform policy, should have been instantly clear.
PresumablyAdmiral has beenworking on the app for multiplemonths at the very least. Yetagain, any Facebook platform developer should be aware that all apps are subject tofinal review by the company before they can golive to ensure compliance with itsplatformpolicy. Even test apps.
Admiral now announces the firstcarquotelaunch has been delayed memo on the websitethat: We are particularly hoping to have our sparkling brand-new commodity ready for you, but theres a enlistment: we have yet to sorting a few final details.
It likewise touts other utilization occasions for the app such as being able to see what some other brand-new motorists have paid forcar insurance and somedetails of the cars they drive. Although thats a far cry from present first time motorists dismiss based on how many ejaculations brands they are usually deployin their Facebook posts.
We tried to contact the company with questions but atthe time of writing Admiral had not answered, and its press part had admitted itself too busy to speak withan outside PR firm being engaged to fence inquiries. Well update this story with any response.
In a statement provided to TechCrunch a Facebook spokesperson confirmedAdmiral will only be able to use Facebook details for login and identity verification so not for scanning post data. The companyfurther proposes the insurerintends to rework the app to createan alternative data source connection toassess motorists eligibility.
The Facebook spokesperson told TAGEND
We have clear guidelines that prevent datum being to attain Facebook from utilized to make decisions about eligibility.
We have attained sure anyone using this app is protected by our the guidance and that no Facebook user data is used to assess their qualification. Facebook accounts will only be used for login and verification purposes.
Our understanding is that Admiral will then request users who sign up to answer questions which will be used to assess their eligibility.
Its worthnoting that Facebook has itself patented use social graph for assessing eligibility of creditworthiness, as the Atlantic reported last year.
US patent 9,100, 400, to give to Facebook in August 2015, includes a particular procedure for authenticating private individuals for access to information or service based on that individuals social network with oneof the illustrations given using the scenario of aservice provider beinga lender who estimates an individuals creditworthiness based on the average credit rating of the people the individual is connected to on their social network
In a fourth personification of the invention, the service provider is a lender. When private individuals applies for a loan, the lender analyse the credit ratings of members of private individuals social network who are connected to the individual through authorized nodes. If the average credit rating of these members is at least a minimum credit tally, the lender continues to process the lend application. Otherwise, the loan application is rejected.
Its ambiguous whether Facebook proposes or are aiming to launch any such creditworthiness evaluation service itself we asked and it did not answer. But numerous patents are registered defensively and/ or speculatively. And, as the Atlantic notes, utilizing person or persons social graphto assess creditworthiness wouldrun massive risks ofattracting discrimination litigations. So the patent “doesnt really” read like a serious produce proposal on Facebooks part.
Beyond that, if Facebooks platform were to become actively participate in weightyexternalassessments of individuals, with the potential to have seriouslynegative impacts on “peoples lives”, the company would risk discouraging customers fromsharing the sort ofpersonaldata its ad-targetingbusiness framework relies on. Which is surely part of the reason its denyingAdmiralthe ability to scanFacebook posts to estimate driving proficiency.
Facebook is already negatively actively participate in district surveillance pleasure as ahoneypotof datautilized byintelligence and law enforcement agencies. And on privacy sand, given its own business example relies on profiling users for ad targeting. But stepping into offering formal assessments of individuals creditworthiness, for example, would feel likea massive fulcrum for the social media monstrous although the temptation for it to try to open more worth fromthe mountain of data available it sits on isonly setto grow, givenAIsrising star and originating appetite for data.
In a blog post welcoming Facebook blocking Admiral from checking consumers berths, digital privileges establishment the Open Rights Grouppointsout the underlying biases that canmake any such algorithmic evaluations problematic.
There are significant risks in allowing financing of the or policy industry to base appraisals on our social media work, writes Jim Killock. We might be penalised for our posts or disavowed the advantages and discounts because we dont share enough or have interests that label us out as different and somehow inaccurate. Whether purposeful or not, algorithm could perpetuate social biases that are based on race, gender, belief or sexuality. Without knowing the criteria for such decisions, how can we petition against them?
Insurers and fiscal corporations who are beginning to use social media data necessity engage in a public discussion about the ethics of these practices, which stand a very intensive examination of factors that are entirely non-financial, he adds.
Facebooks data is rich, but often equivocal, may paucity context and presents many risks. It is not clear to us that social media report is an appropriate tool for fiscal decision making .
Asked for hisview on health risks of Facebook itself expending its stage to sell appraisals on the fitness of its users for accessing other commodities/ assistances, such as financial makes, Killock too told TechCrunch: Patterns on profiling and use of data have to ensure that people are not disadvantaged, unfairly adjudicated, or discriminated against. Facebooks data is rich, but often equivocal, may paucity context and existing many risks. It is not clear to us that social media knowledge is an appropriate tool for fiscal decision making.
Also bloggingaboutAdmirals attempt to turn Facebook data into premium-affectingpersonality evaluations, rule prof Paul Bernalvoices similar concerns about what he dubs thevery significantrisks of such a system being discriminatory.
Algorithmic analysis, despite the best intentions of those making the algorithms, are not neutral, but embed the biases and racisms of those creating and using them, he writes. A exceedingly graphic pattern of this was exhumed recently, when the first international grace struggle adjudicated by algorithms managed to produce singularly prejudiced decisions almost all of the winners were white-hot, despite there being no self-conscious mention of skin colour in the algorithms.
Bernalalso argues that the sort of linguistic analysis Admirals app was apparently aiming would havevery likely favored Facebook users in require of what might be seen as developed speech and make any kind of regional, ethnic or differently non-standard exploit of usage employed its user at a disadvantage.
The biases concerned could be racial, ethnic, culture, regional, sex, sexual-orientation, class-based but they will be present, and they will almost certainly be unfair, he adds.
Bernal goes on to suggest thatFacebookusers develop survival tactics as a short term mend fordefeatingany assessments being made of them based on their social diagram and footprints advocating especially youngpeople( who are perhaps currently most at risk of being harmfully judged by their social media work) tokeep the more creative backs of your social life off Facebook.
He too calls fora thrust by regulators towards developing a framework foralgorithmic accountability to control the autonomous engineerings became more deployedto control us.
Algorithms need to be monitored and measured, their impact assessed, and those who create and use them to be held accountable for that impact, he includes. Insurance is only one example but it is a pertinent one, where potential impacts is obvious. We need to be very careful here, and not step blindly into something that has distinct problems.
Algorithmic accountability was alsoflagged as a matter of concern bya UK science and technology parliamentary committeelast month, in each of these reports considering the emcee of social, ethical and legal questions that arise from germinating expend of autonomous technologies, and demonstrated how quickly machine learning algorithms are being deployed towrangleinsights from data-sets.
The committee recommended the governmental forces fixes a standing Commission on Artificial intelligence is targeted at relating principles to govern the development and application of AI, and to provide advice and encourage public talk about automationtechnologies.
While, in the US, arecentWhite House report also consideredthe riskof biases embedded in AI.
The post Facebook slaps down Admiral’s plan to use social media posts to rate gondola insurance premiums appeared first on apsbicepstraining.com.
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Facebook slaps down Admiral’s plan to use social media posts to rate gondola insurance premiums
UK insurance firmAdmiral had intended to launching an app this week give dismissed gondola insurance premiums to first time operators based on an algorithmic evaluation of their Facebook posts.
All motorists would have had to do is sign in with their Facebook logintogrant permission to the company to scan their Facebook posts in order to get a potential discount on their automobile insurance premiums.
However the experimenthas fallen fouled of Facebooks platform policy, which gives strict limits on how developers on theplatform can use the information usersshare with them.
Clause 3.15 of thepolicy too specifically prohibitsuse of data obtained from Facebook to
make decisions about qualification, including whether to approve or scorn an application or how much interest to accuse on a loan.
In an interview with The Guardianabout the opt-in firstcarquote app, project cause Dan Mines described itas a test, telling: We are doing our best to build a commodity that allows young people to identify themselves as safe drivers This is innovative, it is the first time anyone has done this.
The algorithms that Admiralhad developed for the app apparently aimed togleanpersonality traitsfromusers Facebook berths by analyzing how berths were written with individuals whoscored well forqualities such as conscientiousness and group more likely to be offered discountsvs the individuals who cameacross as overconfident/ less well organized, as adjudicated by their Facebook postings.
Photos were not intended to beused to assess moves the analysis was strictly based on verse modernizes to Facebook.
Our analysis is not based on any one specific simulate, but rather on thousands of different combinations of likes, words and phrases and is constantly changing with new evidence that we obtain from the data, Yossi Borenstein, the principal data scientist on development projects, told the times. As such our estimates indicate how operators generally behave on social media, and how predictive that is, as opposed to fixed beliefs about what a safe motorist may look like.
Giving a more specificexample of how Admirals appwould beassessing a Facebook users attitudebehind the wheel, The Guardian advocated overuse of utterance differentiates in Facebook poles might count against a first time operator, whileposting lists and writing in short, concrete convicts containingspecific detail would be seen as a plus.
Admiral remarked no price rises would be incurred as a result of using the app but deductions of up to 350 were set to be offered although the company was likewise not ruling out expanding the projectin future to loop in additional social media services and, potentially, to also increase payments for some drivers.
The future is unknown, suggested Mines. We dont know if people are prepared to share their data. If we find people arent sharing their data, then we wont ever get to consider that[ expanding firstcarquote ].
As it turns out, the apps future is unknown as Facebook is not prepared to share user data with Admiral for this eligibility assessmentuse-case. Which, if the team had readFacebooks platform policy, should have been instantly clear.
PresumablyAdmiral has beenworking on the app for multiplemonths at the very least. Yetagain, any Facebook platform developer should be aware that all apps are subject tofinal review by the company before they can golive to ensure compliance with itsplatformpolicy. Even test apps.
Admiral now announces the firstcarquotelaunch has been delayed memo on the websitethat: We are particularly hoping to have our sparkling brand-new commodity ready for you, but theres a enlistment: we have yet to sorting a few final details.
It likewise touts other utilization occasions for the app such as being able to see what some other brand-new motorists have paid forcar insurance and somedetails of the cars they drive. Although thats a far cry from present first time motorists dismiss based on how many ejaculations brands they are usually deployin their Facebook posts.
We tried to contact the company with questions but atthe time of writing Admiral had not answered, and its press part had admitted itself too busy to speak withan outside PR firm being engaged to fence inquiries. Well update this story with any response.
In a statement provided to TechCrunch a Facebook spokesperson confirmedAdmiral will only be able to use Facebook details for login and identity verification so not for scanning post data. The companyfurther proposes the insurerintends to rework the app to createan alternative data source connection toassess motorists eligibility.
The Facebook spokesperson told TAGEND
We have clear guidelines that prevent datum being to attain Facebook from utilized to make decisions about eligibility.
We have attained sure anyone using this app is protected by our the guidance and that no Facebook user data is used to assess their qualification. Facebook accounts will only be used for login and verification purposes.
Our understanding is that Admiral will then request users who sign up to answer questions which will be used to assess their eligibility.
Its worthnoting that Facebook has itself patented use social graph for assessing eligibility of creditworthiness, as the Atlantic reported last year.
US patent 9,100, 400, to give to Facebook in August 2015, includes a particular procedure for authenticating private individuals for access to information or service based on that individuals social network with oneof the illustrations given using the scenario of aservice provider beinga lender who estimates an individuals creditworthiness based on the average credit rating of the people the individual is connected to on their social network
In a fourth personification of the invention, the service provider is a lender. When private individuals applies for a loan, the lender analyse the credit ratings of members of private individuals social network who are connected to the individual through authorized nodes. If the average credit rating of these members is at least a minimum credit tally, the lender continues to process the lend application. Otherwise, the loan application is rejected.
Its ambiguous whether Facebook proposes or are aiming to launch any such creditworthiness evaluation service itself we asked and it did not answer. But numerous patents are registered defensively and/ or speculatively. And, as the Atlantic notes, utilizing person or persons social graphto assess creditworthiness wouldrun massive risks ofattracting discrimination litigations. So the patent “doesnt really” read like a serious produce proposal on Facebooks part.
Beyond that, if Facebooks platform were to become actively participate in weightyexternalassessments of individuals, with the potential to have seriouslynegative impacts on “peoples lives”, the company would risk discouraging customers fromsharing the sort ofpersonaldata its ad-targetingbusiness framework relies on. Which is surely part of the reason its denyingAdmiralthe ability to scanFacebook posts to estimate driving proficiency.
Facebook is already negatively actively participate in district surveillance pleasure as ahoneypotof datautilized byintelligence and law enforcement agencies. And on privacy sand, given its own business example relies on profiling users for ad targeting. But stepping into offering formal assessments of individuals creditworthiness, for example, would feel likea massive fulcrum for the social media monstrous although the temptation for it to try to open more worth fromthe mountain of data available it sits on isonly setto grow, givenAIsrising star and originating appetite for data.
In a blog post welcoming Facebook blocking Admiral from checking consumers berths, digital privileges establishment the Open Rights Grouppointsout the underlying biases that canmake any such algorithmic evaluations problematic.
There are significant risks in allowing financing of the or policy industry to base appraisals on our social media work, writes Jim Killock. We might be penalised for our posts or disavowed the advantages and discounts because we dont share enough or have interests that label us out as different and somehow inaccurate. Whether purposeful or not, algorithm could perpetuate social biases that are based on race, gender, belief or sexuality. Without knowing the criteria for such decisions, how can we petition against them?
Insurers and fiscal corporations who are beginning to use social media data necessity engage in a public discussion about the ethics of these practices, which stand a very intensive examination of factors that are entirely non-financial, he adds.
Facebooks data is rich, but often equivocal, may paucity context and presents many risks. It is not clear to us that social media report is an appropriate tool for fiscal decision making .
Asked for hisview on health risks of Facebook itself expending its stage to sell appraisals on the fitness of its users for accessing other commodities/ assistances, such as financial makes, Killock too told TechCrunch: Patterns on profiling and use of data have to ensure that people are not disadvantaged, unfairly adjudicated, or discriminated against. Facebooks data is rich, but often equivocal, may paucity context and existing many risks. It is not clear to us that social media knowledge is an appropriate tool for fiscal decision making.
Also bloggingaboutAdmirals attempt to turn Facebook data into premium-affectingpersonality evaluations, rule prof Paul Bernalvoices similar concerns about what he dubs thevery significantrisks of such a system being discriminatory.
Algorithmic analysis, despite the best intentions of those making the algorithms, are not neutral, but embed the biases and racisms of those creating and using them, he writes. A exceedingly graphic pattern of this was exhumed recently, when the first international grace struggle adjudicated by algorithms managed to produce singularly prejudiced decisions almost all of the winners were white-hot, despite there being no self-conscious mention of skin colour in the algorithms.
Bernalalso argues that the sort of linguistic analysis Admirals app was apparently aiming would havevery likely favored Facebook users in require of what might be seen as developed speech and make any kind of regional, ethnic or differently non-standard exploit of usage employed its user at a disadvantage.
The biases concerned could be racial, ethnic, culture, regional, sex, sexual-orientation, class-based but they will be present, and they will almost certainly be unfair, he adds.
Bernal goes on to suggest thatFacebookusers develop survival tactics as a short term mend fordefeatingany assessments being made of them based on their social diagram and footprints advocating especially youngpeople( who are perhaps currently most at risk of being harmfully judged by their social media work) tokeep the more creative backs of your social life off Facebook.
He too calls fora thrust by regulators towards developing a framework foralgorithmic accountability to control the autonomous engineerings became more deployedto control us.
Algorithms need to be monitored and measured, their impact assessed, and those who create and use them to be held accountable for that impact, he includes. Insurance is only one example but it is a pertinent one, where potential impacts is obvious. We need to be very careful here, and not step blindly into something that has distinct problems.
Algorithmic accountability was alsoflagged as a matter of concern bya UK science and technology parliamentary committeelast month, in each of these reports considering the emcee of social, ethical and legal questions that arise from germinating expend of autonomous technologies, and demonstrated how quickly machine learning algorithms are being deployed towrangleinsights from data-sets.
The committee recommended the governmental forces fixes a standing Commission on Artificial intelligence is targeted at relating principles to govern the development and application of AI, and to provide advice and encourage public talk about automationtechnologies.
While, in the US, arecentWhite House report also consideredthe riskof biases embedded in AI.
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