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If Amazon can already study your history, predict your purchases and ship them before you even place an order – the online retailer’s “anticipatory shipping” technique – imagine what predictions other data-heavy companies could make.

For example, in a year or two, Google will be present in your car (thanks to its self-driving vehicles but also to the Android operating system that powers other models); in your bedroom (thanks to its acquisition of Nest, which manufactures smart thermostats and smoke detectors); in your pocket (through Android-powered smartphones); and in your entire visual field (via Google Glass, the wearable camera and screen).

In knowing your routes, your daily patterns and your contacts, Google has a far better picture of risk – for example, the odds that you will have an accident or default on a mortgage – than any insurance company or bank. And, in having unmediated access to you via your phone, Google can also sell you insurance or make you an offer for your personal data on the go, using a price point that you are most likely to accept.

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