We live in amazing time when informationbecome more valuable than any resources, oil, gas and gold. The one who has the information can afford all this and more in 10 times the size; true if you can interpret it correctly. Obviously, for this reason, it is now that information especially needs protection. Sounds like a beautiful speech by the head of a technology corporation? Yes, it is from them that we most often hear about “security”, “confidentiality”, “privacy” ... but there is also a downside.
In addition to the increased danger fromintruders, information carries with it tremendous opportunities. Search engines actively create a virtual image of everyone who even visits the world wide web occasionally: they know which sites you visit, what interests you, where you take your child on weekends, what lipstick your wife uses when she takes a laptop to place an order in the online cosmetics store . This information has been successfully used by marketers for the last few years, but this use is limited to displaying the same banners to make you buy something. And not always efficiently: I remember once I bought a new electric razor, so I was “finished off” with razors another 2-3 weeks. What for?
So now there is a huge amount of data thatthere is on each of us, used rather primitively. It is the same as giving a child an unpeeled orange - he will understand what it is for, but he will not be able to use it as efficiently as possible and, most likely, in the end he will simply make a ball of fruit.
How to use data effectively
To solve this problem in words is very simple -provide access to information to other organizations that could use the data in order to simplify our lives. For example, as soon as you want to take a bank loan, the employee will already know in advance how much you are a bona fide payer, if you have any violations of the law, what exactly you want to spend money on - many things will be clear on your social network page and queries. . Now such a test takes several days and creates great inconvenience.
By the way, many banks already have this data. They simply did not learn to handle them correctly. Or do not want.
Or another example - if you decide to buy a new one.car, the dealer will be aware of your preferences from social networks, as well as financial status, and he will no longer offer a premium sedan for 5,000,000 rubles. Instead, the consultant will offer a more individual approach that will save him time, and you - money.
Citadel, the largest data center in the world (Nevada, USA)
In fact, there are a lot of examples where data about you can greatly simplify life in everyday things. Why doesn't anyone do that?
First, the safety issue is of concern to everyone.more than the efficiency of using the available tools. Many are afraid that the information will fall into the wrong hands, but I still can not imagine how activity on the Internet and profiles in social networks can compromise a person who has nothing to hide. Another question is that many people want to keep silent about some aspects of their lives, even if at first glance they seem to be “white and fluffy.”
I am by no means saying that the data from the webshould be made publicly available, but I am in favor of having them at the disposal of those departments where this may be useful. How many times have I heard a dialogue in a particular place:
“Can't you see it in your database?”
- Sorry, we do not provide such information.
- We do not provide such information.
And so in a circle.
Why this will not happen
But there is a second reason why this is not feasible in modern realities.
And the reason for this was stated in the first paragraph -information has become more valuable than any resources, oil, gas and gold. What happens when there is an excess in the oil market? That's right, the price of it drops sharply. As with any raw material or product, the law of supply and demand works here. And if information becomes more accessible (and it becomes, if we learn to process it correctly), it will not be so valuable anymore. So why share the Holy Grail with someone else? After all
Anyone who has information can afford all this and more in 10 times the size.
The view that the information should beavailable, now is not the most popular, and I would not be surprised if many people turn out to disagree with me. Even in our editorial office, opinions are divided - this is what Renat Grishin, editor-in-chief of Hi-News.ru, thinks about expanding access to information:
Today it sounds a little ... wildly, or something. The current trend dictates maximum confidentiality to us, and for most web users these are not just words. Take the same Apple, which with each update increases the user's privacy. However, in my opinion, these attempts will sooner or later suffer a crushing defeat. Already today, if you do not deliberately become puzzled, you can learn about you, if not all, very much. And it's not about special services or your provider. It is enough to find pages in the social. networks and spend some time studying them. In the end, I think that everything will come to the fact that every person will have their own “digital fingerprint”, with the help of which any services can make a decision about granting you a loan, loan, choosing the perfect trip, car and much more. . All this is just a matter of time.
Mikhail Korolev, the owner of i10.ru, on the contrary, wants to bring the integration of AI with modern databases as close as possible:
Honestly, I don’t really understand howrunning scoring in banks at the moment. Perhaps in other countries it works better, but in my opinion it’s simply absent in Russia. I'm talking about banks from the top 10. At the moment, banks see all of my purchases, expenses and receipts. They can sort purchases by categories, by geography of payments. It would seem - analyze, give people the right products. And at the exit, I, Alfa-Bank, a client with 10 years of experience, with a credit card of 450,000 rubles (not in the red) each month offers to take another card for 170,000 rubles. UniCredit Bank, through which I bought two new cars of the average price category, gave me a credit card for 35,000 rubles. And our company, which has a monthly turnover on accounts from 1 million rubles, Alfa-Bank offers an overdraft of 120,000 rubles.
I really hope that all scoring systems will go overon AI and will have additional access to our everyday life. I just want the bank to know what I am interested in, what I eat and where I go. Then we can make love with him, and I will get more funds for my desires, and the bank will get more% from me.
We have already heard the news that when issuing a visa in the United StatesYou will need to provide all your social networks. When we find a new employee or counterparty, we primarily watch VK-TV-FB-Instagram: they talk about a person’s life, his habits and interests are insanely many. This is even better than a live interview. So why don't banks give such an opportunity? And those who want to hide their profiles, they initially sit in social networks not under their real name or nicknames.
And really, do not go to extremes andconstantly say that "we are all being watched." Proponents of this theory, as a rule, use the means to hide activity on the Web and often wear a foil cap to make it absurd. It is necessary to catch the balance, but to do it is simple only in words. In fact, people's perception of the world should change, it’s not for nothing that Rene Descartes wrote:
Our perception of the world is distorted. The only method by which one can get to the truth is the path of evidence and refutation.
There is enough evidence, but when will we take this path? Tell us your opinion about this in the comments and in our Telegram chat.