20 Years of Digital Life, Gone in an Instant, thanks to Apple

Waag | European digital ID wallets are a gift to Google and Apple

European governments are rolling out digital identity wallets, which are to be used by citizens to access services, and to verify their age online. There is a serious problem with this: these wallets rely on safety services of Google and Apple.

How Digital IDs Could Help and Harm People With Disabilities

While mobile IDs promise new access for people with disabilities, a "one ID, one device" model and accessibility failures threaten to exacerbate the digital divide, according to experts in the field.

Apple at 50: eight technology leaps that changed our world

From Apple II to the iPhone, time and again this extraordinary company has anticipated the value of opening up computing to everyone.

On the Mental Accounting of Restricted-Use Funds: How Gift Cards Change What People Purchase

Abstract. This article emphasizes the role of categorization in mental accounting and proposes that once a mental account is established, purchases that ar

Hoy for macOS • Drop anything. To anyone.

No third party. Just iCloud.

Visa Digital Issuer Solutions

Build cardholder primacy with standout digital experiences.

Gift Cards and Mental Accounting: Green‐lighting Hedonic Spending

ABSTRACT In three studies, we examine the mental accounting rules that govern how gift cards are used. We predicted that their identity as gift cards would shift consumption from utilitarian to hedonic goods even in contexts where both types of goods are available and the consumer's needs are unchanged. In Study 1a, participants were asked to imagine that they had both a gift card and a specified amount of cash and needed to purchase both a hedonic item and a utilitarian item. When asked which currency they would use to buy which item, respondents were significantly more likely to say they would use the gift card to buy the hedonic item. Study 1b replicated this result and found that it was tied to participants' beliefs how different types of money should be used. In Study 2, we found that participants who were required to spend a certain amount of their compensation in a laboratory store spent more on hedonic goods if their payment was in the form of a gift card. In Study 3, we analyzed transactions at a campus bookstore and found that shoppers tended to spend disproportionately on hedonic goods when using their gift cards than when making credit card purchases. Taken together, these studies indicate that people tend to assign the monetary value of a gift card to a hedonic mental account and spend it accordingly. Copyright © 2014 John Wiley & Sons, Ltd.

#cybersafety #ageverification #privacy #minors #ai | Parry Aftab

Internet Age-Verification Causing More Risks than It’s Worth This is not a new issue. Regulators and policymakers have raised it for the last 28 years as the way the keep kids safer online. They compare it to having to flash an ID to purchase regulated content or items (porn, cigarettes, alcohol, restricted medications, age-restricted movies, amusement rides, etc.) But verification online is very different and vastly riskier than flashing an ID in real life. For one, it’s collecting personally-identifiable information about our kids. For two, it puts that information in the too-often untrustworthy digital hands of tech companies. For three, while porn, alcohol and regulated drugs may be a clear-cut case for restricting access to adults, access to the Internet is very different. Yet, regulations begun in the UK and adopted globally have begun a weighted cybersafety approach that, in my humble opinion, prefers excluding young people from digital technology over teaching the cybersafety and digital life skills. That, in my 32 years of work in the fields of cybersafety and protection of minors online, was and remains a mistake. One of my best known quotes, repeated in Congressional and state legislative testimony and in the media is: “The greatest single risk our children face online is being denied access. We have solutions for everything else.” (my testimony before the FTC) Some proponents of age-verification have opted to denying them access unless they give up confirmable personally-identifiable info, such as selfies, feeding AI with PII, and govt or school credentials. I argue that this gives social networks, game providers and digital app operators a wealth of PII to be used for profiling, marketing and collecting far too much. With their privacy at stake, too often incompetent, malicious and greedy producers and mega-tech industry players, can’t and shouldn’t be trusted with the personal info of our most vulnerable - our kids. And AI will now be tasked with collecting everything it can find about our kids to be able to “age-verify.” (It’s ability to age-verify is less reliable with youth as their data-sets are more limited.) I served on a task force appointed by 49 state attorneys general, charged to research and weigh-in on this issue. We concluded that age-verification wasn’t feasible. While this task force was formed many years ago, with the exception of a fortified AI, not much as changed. Our children’s privacy remains, or should remain, paramount. We have robust filtering and blocking technologies. The adult industry has adopted an age-gated model. And parents can restrict access using device-specific tools. And, many well-intentioned age-verification laws were adopted too quickly for thoughtful discourse. Or by governments more prone to censorship/content restrictions. I fear in our quest to protect our kids we have thrown our babies out with the bath water. #cybersafety #ageverification #privacy #minors #AI

Apple’s biggest announcement today was Memory Integrity Enforcement · Victor Wynne

Today’s Apple event introduced Memory Integrity Enforcement on iPhone 17, the most significant memory safety upgrade in consumer OS history.

Invention Cards 3.0: Stories

Last month, after a long hiatus, I showed invention.cards to a friend in SF and came away unsatisfied. Indeed, the work was not yet done . Three things drove this revision: It felt incomplete. The experience was built around T-shaped navigation, focusing on a specific card and showing only their ancestors and descendants. It was hard to see where you were in time, hard to feel the shape of history, and ultimately was far removed from the way a tech tree should feel . The connections matter more than the nodes. What's most interesting to me was not

Digital ID: ORG warns of mission creep | Open Rights Group

On Monday December 8, MPs will debate the introduction of a national digital ID card.

AU10TIX: records exposed security breach affecting major apps

An Israeli identity verification company suffered an attack that compromised the personal data of millions of users of popular apps.

Discord is delaying its global age verification rollout

Keep your ID in your pocket, for now.

Purchase Justifiability Drives Payment Choice: Consumers Pay with Card to Remember and Cash to Forget

AbstractAlthough consumers often have multiple payment methods at their fingertips, such as cash and credit/debit cards, prior research is silent on how consumers choose between them. We home in on a key element of purchase—purchase justifiability—that affects how consumers choose to pay. Analysis of 118,042 real-world purchases and six experiments reveals that when consumers are motivated to forget (vs. remember) a purchase because they see it as difficult (vs. easy) to justify, they have an increased preference to pay with cash (vs. card) because cards create a “paper/electronic trail” that aids memory retrieval. These payment preferences are strongest among consumers most likely to recall/track their card spending, and manifest only when card expenses are trackable. We reconcile our results with the classic effect of payment method on pain of paying and discuss implications for merchants and for financial institutions designing payment methods of the future.