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Financial Crime and Knowledge Workers. Petter Gottschalk. Global Health Programs and Partnerships. Jessica Farley.
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Or, get it for Kobo Super Points! Skip this list. What if companies instead made it easier for people to exercise more control, or prompted them to make active choices? That could mean making it easier to self exclude from certain online activities at certain times — like blocking shopping or gambling sites after midnight.
Or new defaults that give consumers more control over how they use their phone and other devices, such as bundling notifications to minimise distractions and disruptions.
The Character of Harms by Malcolm K. Sparrow
Inattention and information overload mean that the vast majority of consumers neither engage with, nor understand the long and complex terms and conditions and data privacy policies that set the terms on which we engage with companies and others online, and the data we share. There are many opportunities to improve how and when this information is presented to consumers. For example, in a recent online experiment, we found that simply telling people how long it would take to read a data privacy notice more than doubled engagement.
Smarter, more timely disclosures will take us so far, but a more promising approach is fostering the development intermediaries that can sift through large volumes of complex information on behalf of consumers. Allowing people to understand, for example, what data they have shared with companies and restricting the use of it should they wish.
While much of our paper focuses on online markets, it is important to recognise that there is more to markets than contracts and transactions. We think platforms can and should do more to encourage civility and positive interactions. For example, by testing new prompts and defaults to delay potentially harmful or offensive posts for a short time to enable users to reflect and change their minds, or nudging users to consider the likely impact of harmful content. We also recommend new governance mechanisms for platforms that combine expert opinion with the collective user voice to allow communities of users to shape the character and rules of the platforms they choose to spend their time on.
Download the report for our full set of recommendations.
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This paper brings together a number of areas that we have, or are working on, together with colleagues in other parts of government and the world. These range from how to better protect vulnerable consumers; through to how regulators can help foster markets that enable the best firms and products to thrive.
The Character of Harms
If there is a central, bigger question, it is this: how can we nudge online markets for good — including how they in turn nudge us? This is about as important a challenge as we face in society today. How we respond to, and shape, the evolving character of online markets and environments is important not just because it is pivotal to our economies, but because it is society and the human character itself that we are shaping.
Blog 15th Apr Tackling online harms and manipulations: download our new paper Our new publication aims to spark ideas and debate on online harms.
Our work Blog. Report 15th Apr The behavioural science of online harm and manipulation, and what to do about it.