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Content type: Examples
In 2016, researchers discovered that the personalisation built into online advertising platforms such as Facebook is making it easy to invisibly bypass anti-discrimination laws regarding housing and employment. Under the US Fair Housing Act, it would be illegal for ads to explicitly state a preference based on race, colour, religion, gender, disability, or familial status. Despite this, some policies - such as giving preference to people who already this - work to ensure that white…
Content type: Examples
A 2017 research report found that the most vulnerable smartphone users are the ones whose devices are most open to fraud and harassment. Cheaper, low-end devices are less secure to begin with, and they are also less often replaced than their more expensive counterparts made by. Apple and Google. At any given time there are millions of Android devices that are open to known exploits. Worse, the poorer population that owns these phones are more likely to use them as their sole means of accessing…
Content type: Report
Financial services are changing, with technology being a key driver. It is affecting the nature of financial services, from credit and lending through to insurance, and even the future of money itself.
The field of fintech is where the attention and investment is flowing. Within it, new sources of data are being used by existing institutions and new entrants. They are using new forms of data analysis.
These changes are significant to this sector and the lives of people it serves. This…
Content type: Case Study
Introduction
Online, and increasingly offline, companies gather data about us that determine what advertisements we see; this, in turn, affects the opportunities in our lives. The ads we see online, whether we are invited for a job interview, or whether we qualify for benefits is decided by opaque systems that rely on highly granular data. More often than not, such exploitation of data facilitates and exacerbates already existing inequalities in societies – without us knowing that it occurs.…