Customer 2.0

The UK’s internet fraud map… worrying privacy issues

“London has been confirmed as the web-fraud capital of Britain, leading the pack when it comes to CNP (cardholder not present) fraud.

With an increase of around 22% in national internet card crime, the latest Early Warning Fraud Map
shows London, Manchester, Coventry, Kilmarnock and Bristol as
sustaining significantly more fraudulent transactions than elsewhere.”

…from Antony Savvas, at Computer Weekly – it’s a good follow through from his post in March this year:

Over one-in-ten (12%) internet users have experienced web fraud in past 12 months, costing them an average of £875 each.

The figure is reported by government and industry online safety campaign Get Safe Online.
 
A
survey among UK internet adult users (who number a total of 29m) found
that 12% had experienced online fraud in the last year. 

In
that time, 6% had suffered fraud while shopping online, 5% had
experienced another form of general online fraud and 4% were subject to
bank account or credit card fraud as a result of activity online (some
users experienced more than one of these types of fraud).”

The fraud map broadly follows population – no surprise there. What’s most worrying is that fraud rose by 22%. That may simply be the fraudsters’ response to chip n pin’s introduction in February 2006 – which may well have shifted card fraud from point of sale to cardholder not present transactions.

But if we can’t keep our money secure, with the help of our banks, then what chance have we of keeping our personal data secure? It’s a real issue, because no amount of protection by our banks can prevent ID theft if individually we leave data trails across the web that allow fraudsters to construct a personal profile.

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Customer 2.0 : I own my privacy

Have you seen rapleaf ?
or upscoop
oh and there’s quechup as well – which has some of plaxo’s worst habits (which plaxo quickly shed),

It’s Spam 2.0 – the start of the social spam revolution.

I’ve seen conversations on 2 separate professional networks that are apalled by them & the loss of privacy that’s implicit – for example, I now know what’s on one of my client’s Amazon Wish Lists. Which I guess is OK if you actually know somebody… but not OK if you’ve scraped an email address & set out to learn anything you can about a person for who-knows-what purpose.

The only defence is to use separate public & personal email addresses – and even that would be defeated by viral tools in these services’ signup processes.

Oh, and Facebook just announced that it’s opening public profiles to search engines – so expect an outrage in 5-6 weeks time. And then folk will adjust and go back to their lives, on & offline.

But the cumulative effect will be for the ‘signal to noise’ ratio to drop – the proportion of genuine messages will reduce, amongst an increase of social spam.

All these rape our privacy.

Expect to see more folk using closed communities (like Phuser ), and the ‘private’ options on Facebook et al. Bit by bit we’ll learn to take control of our own privacy, and take responsibility for our privacy.

That’s the service that Rapleaf offer: to protect & control your privacy. I’m in two minds as to whether they’ll profit from exposing the problem (which they didn’t create…) Or if they’ll be a victim of their own success at exposing a genuine social problem.

Collaboration, customer, community

TomTom GO 520 satellite navigation toy allows customers to update maps while driving, correcting their device’s information with what’s actually on the road. And then, of course to upload that update to a community, in exchange for corrections from other users.

Potentially this lifts the huge burden of updates from mapmakers – when TomTom and other satellite navigation manufacturers achieve a critical mass of customers. Service providers’ role changes to ‘verification’ rather than sourcing the update information, which is always a delayed process. Presumably, over time, an agreed verification standard will establish how often a map error needs to be reported before it’s considered verified.And the next step is to have this information reported back live from the vehicle, rather than delayed, from the owner’s office. That would allow for routing around roadworks that might cause delay for a few hours.

/ edit

Yesterday in Berlin TomTom announced their updated range all of which include Map Share. The range includes TomTom GO 920T and a 3d generation TomTom One

Slow down to hurt spammers

Canadian email marketing company MailChannels has hit on a cracking way to hurt spammers – by slowing down the handshake between email programmes: Traffic Control Since spammers need to send huge volumes of email, they can’t wait…. so move on elsewhere. Which must help cut costs for MailChannels (since they don’t have so much bandwidth stolen by spammers), which in turn will help give legitimate customers a better service.

I expect that by partnering with Cloudmark, there’s a network effect too.

great job.

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Real news!

I missed the Guardian’s coverage of Mika Brzezinski who refused to read a non-story as the morning news lead. I couldn’t agree more: somewhere we need to draw a line between news and celebrity hype (& sports “news” too, for that matter.)

Given the proliferation of tv channels, and the about-to-be-spectacular growth of internet tv viewing, shouldn’t there be separate channels for celebrity “news”: rolling coverage of “stories” as they break, just as there is for news and sports?

That way the celeb stuff could be kept clean out of the way of real news.

Build your own webpage, part 2

I finally found time to view Steve Jobs’ keynote at WWDC, and noted the inclusion of Webclips in Apple’s forthcoming Leopard OS: it’s a neat way of capturing any (?!) part of a webpage, and creating your own customisable widget.

And if you think of a Mac’s widget screen as a web Home page, then WebClip is doing much the same role as Zude.

/update  I’ve been invited to the private Beta (thanks guys!)

First impressions to follow in a few days….

microblogging

I hadn’t noticed Pownce until I noticed that it’s now available on Facebook:  but since the Pownce blog only started on June 28th, maybe I’m not too far off the pace!

’tis a pretty thing – and carries ads in the free version.

beyond Pageflakes… drag ‘n’ drop pages

The wise folk at Ericsson have a mantra: “make it easy to buy”.

Pageflakes has a built-in hurdle to making their service easy to buy – not everybody gets RSS. Pages without rss feeds are a pain to add. iGoolge does a great job of simplifying the process, but if a page hasn’t got a feed, it’s not easy to add.

Zude does away with that hurdle, removing any need to understand how the tech works under the hood.

Readers can become editors: imagine, you’re a football fan.
If you like youtube’s tagged coverage of your team, and the fanzine’s blog, and The Sun & Guardian Unlimited’s sports coverage, you’d drag ‘n’ drop them all into one page.

This sets a new standard, and will be the new, newest thing – probably in reaching mass media in 2008. (Widgets are the new, newest thing for 2007)

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