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Content type: Long Read
[Photo credit: Images Money]
The global counter-terrorism agenda is driven by a group of powerful governments and industry with a vested political and economic interest in pushing for security solutions that increasingly rely on surveillance technologies at the expenses of human rights.
To facilitate the adoption of these measures, a plethora of bodies, groups and networks of governments and other interested private stakeholders develop norms, standards and ‘good practices’ which often end up…
Content type: Examples
In October 2018, the Singapore-based startup LenddoEFL was one of a group of microfinance startups aimed at the developing world that used non-traditional types of data such as behavioural traits and smartphone habits for credit scoring. Lenddo's algorithm uses numerous data points, including the number of words a person uses in email subject lines, the percentage of photos in a smartphone's library that were taken with a front-facing camera, and whether they regularly use financial apps on…
Content type: Examples
In December 2018, a report, "Access to Cash", written by the former financial ombusdsman Natalie Ceeney and independent from but paid for by the cash machine network operator Link, warned that the UK was at risk of sleepwalking into a cashless society and needed to protect an estimated 8 million people (17% of the British population) who would become disadvantaged as a result. Although cash used halved between 2007 and 2017, and debit cards passed cash in share of retail transactions in 2017,…
Content type: Examples
After an 18-month investigation involving interviews with 160 life insurance companies, in January 2019 New York Financial Services, the state's top financial regulator, announced it would allow life insurers to use data from social media and other non-traditional sources to set premium rates for its customers. Insurers will be required to demonstrate that their use of the information doesn't unfairly discriminate against specific customers. New York is the first state to issue specific…
Content type: Advocacy
Privacy International provided comments to the UK Financial Conduct Authority on the Terms of Reference to its Credit Information Market Study.
We highlighted that:
Credit data (whether ‘traditional’ credit data; data from Open Banking sources, or other sources of data like social media) are hugely revealing of people’s lives far beyond the state of their financial affairs.
The affects upon consumer behaviour of this use of data in the credit sector extends beyond the choices they…
Content type: Long Read
By Valentina Pavel, PI Mozilla-Ford Fellow, 2018-2019
Our digital environment is changing, fast. Nobody knows exactly what it’ll look like in five to ten years’ time, but we know that how we produce and share our data will change where we end up. We have to decide how to protect, enhance, and preserve our rights in a world where technology is everywhere and data is generated by every action. Key battles will be fought over who can access our data and how they may use it. It’s time to take…
Content type: Examples
The State is not always the only actor involved in the surveillance of benefits claimants. Often those practices are encouraged, facilitated or conducted by private companies. South Africa for instance mandated MasterCard to help distribute benefits through biometric debit cards.
https://www.finextra.com/newsarticle/23941/south-africa-enlists-mastercard-to-distribute-welfare-through-biometric-debit-cards
Publication: FinExtra
Content type: Examples
In September 2017, the UN Capital Development Fund, the UN Development Programme, and the non-profit San Francisco-based startup Kiva, which has worked for 13 years as a crowd-funded microlending platform announced a joint initiative to open up financial services to the 20% of the Sierra Leone population - 7 million citizens - who have no credit history or proof of formal identity and are therefore unable to start businesses, raise loans, or generally access mainstream financial services. The…