Digital Nudging: Data, Devices & Social Control

Reposted with permission from Wrench in the Gears.

Digital exhaust, virtual selves

…“Choice architects” create these systems and weave them into public policy. Through strategic application of “nudges,” citizens,  otherwise “irrational actors” in the market, can be guided to conform to economists’ expectations. Through nudges, human behaviors are redirected to fit mathematical equations and forecasts….

The way we live our lives generates enormous amounts of data. Keystrokes; online payments; photos with embedded meta-data; cell tower pings; fit bits; education management apps; search histories; avatars; social media posts all contribute to a cloud of digital exhaust that threatens to engulf us. Our world is being increasingly data-fied as smart phones mediate our daily activities, and Internet of Things (IoT) sensors become integrated into our homes and public spaces.

In the coming decade we’re going to have to navigate environments defined by ubiquitous computing and surveillance. Virtual and real worlds will meld in unsettling ways. The threat of state repression will intensify, especially for black and brown people, immigrants, refugees, the poor, and dissidents. As the former CIO of the City of Philadelphia Charles Brennan noted at the end of an October 22, 2017 meeting, the future of policing will encompass predictive analytics, facial recognition software, and drone surveillance.

With UPenn’s GRASP lab currently managing a $27 million contract with the US Army Research Lab to develop distributed intelligence, autonomous weapons, it’s not too soon to be thinking about what comes next. To get a feel for where we could be headed, the write up, “Singapore, City of Sensors” describes what it’s like to live in a “smart nation”  where EA3 devices track “Everyone, Everywhere, Everything, All The Time.”

Bits and bytes of data build up like passes from a 3-D printer; and as the data is aggregated, our digital doppelgangers emerge. Of course they’re merely shadows of our true, authentic selves. They magnify certain aspects of our personalities while suppressing others. The data of our online counterparts can be incorrect or incomplete, yet even with all those flaws our online profiles and reputations have begun to profoundly influence our offline lives.

As Eric Schmidt of Alphabet (Google’s parent company) says: data is the new oil, so valuable nation states will fight over it. From Cambridge Analytica to Cornell-Technion’s Small Data Lab to Wharton’s Behavior Change for Good program, social scientists are teaming up with venture capital, government agencies, and NGOs to devise new and intrusive ways to monitor people and extract profit from the management of our data-filled lives.

The relationship map below (click here for the interactive version) features individuals and organizations associated with the Small Data Lab, a program of Cornell-Technion based on Roosevelt Island in New York City. This research and development program is backed by influential impact investors and technology companies, including Google. If you know your way around social impact bonds, you’ll see quite a few familiar names: Goldman Sachs, Bloomberg Philanthropies and Atlantic Philanthropies. The aim is to come up with sophisticated ways to analyze digital exhaust and devise technological “solutions” that pressure individuals to conform to neoliberal economic conditions. The technological underpinnings of these app-ified “solutions” enable the capture of “impact metrics” that will fuel the growing social investment sector.

Cornell-Technion also aims to grow the STEM/cyber-security human capital pipeline, having recently accepted at $50 million gift from Tata Consulting, one of India’s most highly-capitalized IT companies, to build an innovation center on their campus. The program plans to do outreach into New York City schools to promote skill development in AI and human-computer interaction.

PTB Ventures, Project Trillion Billion, is one example of a company positioning itself for this new market. A financial backer of Learning Machine, spun out of the MIT Media Lab and specializing in Blockchain education credentials, PTB has also invested in Callsign (digital identity authentication), Element (biometrics), and DISC Holdings (digital payments and credit on blockchain). Their website states the company anticipates a future where trillions of devices will be connected to billions of humans and create trillions of dollars in economic value. These investors hope to use connected devices and sensors to mine the lives of the global poor and dispossessed for the economic benefit of the social impact and fin-tech sectors.

Proposals for online platforms are beginning to emerge that aim to combine decentralized identifiers (DIDs used to create self-sovereign digital identities), e-government transactions, and online payment systems (including public welfare benefits) with “digital nudges” grounded in behavioral economics. See the screenshot taken from the Illinois Blockchain Task Force’s January 2018 report. It shows a desire to digitally incentivize healthy eating purchases for people receiving SNAP benefits.

Behavioral economics is the study of how psychological, cognitive, emotional, social, and cultural factors influence the economic choices a person makes. It challenges the idea of homo economicus, that people maintain stable preferences and consistently make self-interested choices in relation to market forces. The field was popularized in the United States by Nobel-prize winning psychologist Daniel Kaheneman. University of Chicago economist Richard Thaler built upon this work. Thaler won a Nobel Prize in Economics for his research last year.

Thaler worked closely with Cass Sunstein, who headed Obama’s Office of Information and Regulatory Affairs. In 2008, they co-wrote Nudge, a book espousing “libertarian paternalism.” People make “choices,” but systems can be designed and implemented to encourage a preferred “choice,” generally one that prioritizes long-term cost-savings. “Choice architects” create these systems and weave them into public policy. Through strategic application of “nudges,” citizens,  otherwise “irrational actors” in the market, can be guided to conform to economists’ expectations. Through nudges, human behaviors are redirected to fit mathematical equations and forecasts. David Johnson’s 2016 New Republic article Twilight of the Nudges, provides useful background on this technique and the ethical implications of applying nudges to public policy.

Sunstein Obama

The first “nudge unit” was established in the United Kingdom in 2010 as the Behavioural Insights Team (BIT). It operated as a cabinet office for several years before reinventing itself as a global consultancy in 2014. BIT is now owned in equal parts by staff, the UK government and NESTA, a social policy innovation / impact investing foundation funded with proceeds from the UK lottery system. Thaler is on their Academic Advisory Team. From 2015 to 2018 BIT had a $42 million contract with Bloomberg Philanthropies to support development of their “What Works Cities” initiative in the United States. Results for America, the organization that co-hosted the $100 Million “Pay for Success” celebration in Washington, DC last month, currently manages the What Works Cities program on behalf of Bloomberg Philanthropies.

Ideas42 has also been very active at the intersection of social science, behavioral economics and impact investing strategies. It was founded in 2008 as a program of Harvard University with support from scholars and experts at MIT, Princeton, the International Finance Commission (IFC), and the Brookings Institution. Focus areas include education, healthcare and financial inclusion. Numerous mega-philanthropies that are actively implementing the Ed Reform 2.0 agenda have partnered with the organization: Gates, MacArthur, Arnold, Lumina, HP, and Dell. Other partners are involved in deployment of global aid: USAID, the World Bank, the International Rescue Committee (see my previous post re BIT and IRC involvement with Syrian refugee children), and the UN Environment Programme. There are representatives of global finance including Citi Foundation and American Express; insurance companies, MetLife and the Association of British Insurers; and impact investors focused health and wellness, the Robert Woods Johnson and Kellogg Foundations.

Over one hundred experts are allied with this program, including Angela Duckworth and Katherine Milkman of the University of Pennsylvania. They created the ninety-second video “Making Behavior Change Stick” as part of their application to the MacArthur Foundation’s $100 Million and Change challenge. While the proposal was not a finalist, Duckworth and Milkman’s research continues to move forward with private support, housed within the Wharton Business School. Their first $1 million came from the Chan Zuckerberg Initiative (founded with Facebook stock), that interestingly enough is also currently working with the Philadelphia District Attorney’s office (Larry Krasner) on criminal justice “reform.” More opportunities for our technological overlords to encourage “good” decision making while completely disregarding “broken on purpose” social programs, I suppose.

Take note of the partners identified in Duckworth and Milkman’s MacArthur proposal:

Duckworth and Milkman’s premise is that technology can be used to encourage people to make “good choices,” which the begs the question, “Good for whom?” I suspect what will make a certain choice “good” is the likelihood it will enrich social impact investors while furthering the austerity that drives reduction in public services, increases outsourcing, and fosters the creation of public-private partnerships. The desires of those needing to access services will not be factored into the computer code that sets up friction points and establishes preferred outcomes. Citizens are simply inert, raw material to be molded, for profit, by inhumane digital systems. In the nudge model, economic systems that create mass poverty are not addressed. Instead, the impetus is placed upon the individual to better navigate existing systems steeped in structural racism.

As you may remember from my previous post, Duckworth has been working closely with human capital and labor economist James (7-13% ROI on Early Childhood Education Investments) Heckman. She is one of five leaders of the “Identity and Personality” division of his Human Capital and Economic Opportunity Working Group, based out of the University of Chicago and funded by the Institute for New Economic Thinking (INET). In May 2017, Duckworth brought an interdisciplinary group of experts in behavior change to the University of Pennsylvania for two-day conference sponsored by the Center for Economics of Human Development. Fourteen presentations, including  a “Fireside Chat With Daniel Kahneman” were recorded and are viewable here.

The prior year, Philadelphia became the first city in the US with its own municipal level “nudge unit.” Though Duckworth does not appear to be directly involved, Evan Nesterak, a researcher in Duckworth’s Characterlab, co-founded The Philadelphia Behavioral Science Initiative (PBSI) with Swarthmore Professor Syon Bhanot. Bhanot is involved with theSwarthmore Professor Syon Bhanot, as well. According to a 2018 report on PBSI published by Results for America, the initiative’s other academic partners include: the University of Pennsylvania, Drexel, Temple, St. Joseph’s, Yale, Columbia and Princeton. The report, viewable here, was funded by the John and Laura Arnold Foundation. John Arnold, a hedge-fund billionaire who made his fortune at Enron, has since moved on to education reform, gutting public pensions, and promoting pay for success “evidence-based” finance.

“Innovative” programs are being incubated within the planning and policy departments of many US cities now via fellowships and loaner “experts” who plan to advance an “evidence-based,” “big-data,” “platform-government” agenda. Anjali Chainani, Mayor Kenney’s Policy Director and Manager of the city’s GovLab, has gone through the Results for America Local Government Fellow program.  The Philadelphia Behavioral Science Initiative is an outgrowth of the City Accelerator and GovLabPHL, which she manages. While the initial program areas are strategically uncontroversial (it would be difficult to speak against seniors taking advantage of discounted water bills or public bike sharing), it seems likely an “evidence-based” campaign of nudges, once normalized, will be extended into more lucrative and ethically-dubious areas like policing, health care delivery, family services, and behavioral health.

Below is an extensive relationship map that shows interconnections between data-driven public policy / privatization programs originating out of the Harvard Kennedy School of Government, the global financial interests represented by the members of Citi Group’s “Living Cities” program, and how those interface with government operations in the city of Philadelphia. Many of these programs were put into place by our former mayor, Michael Nutter, who went on to become a senior fellow for Bloomberg’s “What Works Cities” program. His wife Lisa is now a principal with Sidecar Social Finance, an impact investing firm.

Click here for the interactive version.

Feeding this machine is our gradual yet irresistible slide into a financial world of digital economic transactions. My next post will focus on that. Please take some time to explore the maps above. They are complex but convey a great deal about the forces at work. Sometimes a nudge is actually a shove. I think our city is being positioned for some serious shoving.

The footage above is from the violent July 5, 2018 police intervention against peaceful OccupyICEPHL protestors at 8th and Cherry Streets outside Philadelphia’s ICE detention center.

-Alison McDowell

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Tracking Students: Google Rolls Out “Anytime, Anywhere” Learning in Kirkland, WA Parks This Spring

Reposted with permission from Wrench in the Gears.

KITE

If you’re going to spend time in your local park, do you want your child glued to a device? Should they be looking at flora and fauna, or screens? Students, parents, teachers, and administrators need to start critically assessing the surveillance and data-gathering aspects of initiatives like the KiTE STEM challenge. As Eric Schmidt of Alphabet (Google’s parent company) says, data is the new oil. With each multiple choice answer (and the location and activity data associated with it) children are being mined for value. I’m not comfortable with that.

Fast forward fifteen years. Imagine that the vision advanced by Knowledgeworks, the futurists at the American Alliance of Museums, the MIT Media Lab, Institute for the Future, and ed-tech impact investors has been realized. Neighborhood schools no longer exist. Buildings in gentrifying communities have been transformed into investment condominiums with yoga studios and roof-top bars. Those in marginal neighborhoods exist as bare-bones virtual reality warehouses where the poor are managed for their data. If you want the narrative version, you can read it here.

A handful of designated structures have been retained as education drop-in centers, places where “lifelong learners” consult with mentors about their (bleak) prospects for acquiring “just-in-time” workforce skills. The global economy has gone digital. Everyone has a Blockchain identity and biometrically enabled payment account. Both are linked to a person’s permanent online record of academic and social-emotional competencies, the public services they’ve obtained, and determinations regarding the “impact” those services have had on their human capital. The social impact investors watch the data dashboards and take their profits.

Redefining Teacher Education
Source: Redefining Teacher Education for Digital Age Learners, 2009

“Future Ready” education has been gamified, decontextualized, and dehumanized. “Learning” repackaged into a product that can be dispensed, consumed, tracked, and evaluated via corporate apps. ICT (Information and Communication Technology) devices have largely supplanted human teachers, who had neither the capacity nor the inclination to gather learner data in the quantities demanded by Pay for Success contracts.

Austerity and technological advances gradually transitioned hybrid, “personalized” learning outside of classrooms and schools entirely. “Freed” of seat time requirements, teachers, grades, report cards, and diplomas, students pursue, in isolation, pathways to “career readiness.” What the concept of “career” means in a time of automated labor, precarious employment, and AI human resource management is open to debate.

A friend shared an article with me this week that reveals early phase trials of digitally mediated learning ecosystems are here. I plan to do another post that goes into detail about the Internet of Things, iBeacons, online learning lockers, Education Savings Accounts, badges, and informal learning settings. For now, it’s enough to know that the Cities of LRNG model the MacArthur Foundation is advancing via their spin off “Collective Shift” involves students using the “city as their classroom.”

Devices monitor an individual’s movements via apps, and accomplishments are logged as students undertake “any time, anywhere” learning. Sometimes it happens in the real world. Other times it happens in virtual or augmented reality. Either way, Tin Can API is watching, logging data fed to IMS Global. Watch this video by Rustici Software LLC, developers of Tin Can API, it’s under two minutes and worth every second. Pay attention to all the layers of data being collected in this simple interface.

In the case of Kirkland, WA, a Seattle suburb, education rewards are being offered to students who choose to participate in an informal STEM learning program in local parks between April 23 and May 13, 2018. A student downloads the app, and questions are delivered to them based on their age. This activity is targeted at children as young as kindergarten. Students can earn “entries,” chances to win personal prizes (museum admissions, IMAX tickets, and Google swag) as well as up to $34,500 in cash for Lake Washington District school PTSA organizations.

Attempting a question, even if incorrect, will win a student one entry, while a question correctly answered in a Kirkland park awards 15 entries. In order to qualify for bonus entries, a student must allow the app access to their real time location, which verifies by GPS if they answered the question while they were within the park system. I find it troubling that awards vary by the student’s location when answering. I can imagine, in some dystopian future, technologies like this being deployed to digitally redline education. It’s a chilling prospect, but not unthinkable.

The app also encourages students to allow the app to track “Motion and Fitness Activity.” Purportedly this is about “increasing battery efficiency;” however, knowing the prevalence of fitness tracking apps and how they are being incorporated into policies around health care (see Go360, the West Virginia teachers strike, and research being done at the Cornell-Tech Small Data Lab) I find this also very concerning. The amount of data being collected on students who download the app, if they follow the recommended settings, is significant.

According to the FAQ, Google is the financial sponsor of this challenge. Partners include the Kirkland Parks Foundation, the Lake District Schools Foundation, the City of Kirkland, the Pacific Science Center, Eastside Audubon, Brilliant.org (an online STEM network and talent scouting enterprise), and KiwiCo (age-based STEAM kit subscriptions). If you are a school administrator you can email them for a free action plan with tips to encourage students to upload the app, so their education can be monitored as part of Google’s pilot learning ecosystem experiment.

If you’re going to spend time in your local park, do you want your child glued to a device? Should they be looking at flora and fauna, or screens? Students, parents, teachers, and administrators need to start critically assessing the surveillance and data-gathering aspects of initiatives like the KiTE STEM challenge. As Eric Schmidt of Alphabet (Google’s parent company) says, data is the new oil. With each multiple choice answer (and the location and activity data associated with it) children are being mined for value. I’m not comfortable with that.

I wrote a companion to this post, Navigating Whiteness: Could “Anywhere, Anytime” Learning Endanger Black and Brown Students? I live in Philadelphia, and the arrests of two black men at a local Starbucks has me thinking a lot about how black and brown students could be placed at risk by the learning ecosystem model. Continue reading here.

-Alison McDowell

Data Mining Life on the Ledger: Building Sanctuary Part 4

Reposted with permission from Wrench in the Gears.

Data Mining Life on the Ledger

The future is uncertain and unlikely to play out exactly as described. Nevertheless, we must begin to comprehend how technological developments combined with concentrated power and extreme income inequality are leading us to increasingly automated forms of oppression. My hope is that communities will begin to incorporate an understanding of this bigger picture into resistance efforts for public education and beyond. Let us join together, embracing our humanity, to fight the forces that would bring us to “lockdown.” How can we preserve our lives and those of our loved ones outside the data stream? How can we nurture community in a world where alienation is becoming normalized? What do we owe one another? What are we willing to risk? I have divided my story into seven parts. I hope you’ll read along and consider sharing it with others.

This installment of Building Sanctuary features digital identity and social credit scoring as it relates to purchasing and access to life opportunities for citizens living under authoritarian power structures. This is the fourth in a seven-part series that follows the digitally-quantified lives of sisters Cam and Li in a a near-future “Smart” City dystopia. If you wish to start reading from the beginning, follow this link to the introduction and Part One: Plugging In.

Part Two: A World Without (Much) Work

Part Three: Smart and Surveilled

Solutionists maintain control over society largely through the ledger. The ledger evolved from Blockchain, a technology first used to process digital-currency transactions like Bitcoin, Global Coin’s predecessor. But corporate and government interests saw it had far greater potential. It started out as a decentralized online system through which transactions of all sorts (purchases, education credentials, marriages, property transfers etc.) could be permanently recorded in blocks that were secured by elaborate cryptographic protocols. Over time, private blockchains came to dominate the system. These were gradually consolidated by those allied with the Solutionist agenda.

Now there is one ledger that keeps track of everything and everyone: inputs and outputs; ownership and debt; locations, activities, functions, and compliance. The ledger is the master accountant that is everywhere and nowhere. It lives on a distributed system of computers. It’s promoted as infallible, untouchable. The Solutionists suppress any information that might undermine public faith in it. In a world of uncertainty, the ledger is a held up as a symbol of unquestioning trust.

In addition to facilitating and recording transactions, the ledger also calculates citizen scores, something no one with a Citi Badge can escape. These scores rise and fall based the data each person generates within the Solutionists’ “smart systems.” People are constantly evaluated against the norms set by the authorities. If your behavior, or that of your family or even friends or acquaintances, deviates from these standards, your score drops.

People who question the system have low scores. People with extensive social networks have low scores. People who travel widely have low scores. People who access “the wrong” online materials have low scores. People who are financially unstable have low scores. Your score can be lowered for being too educated or not educated enough. People who use public services have low scores. If you have a low score, you become a target of social impact interventions, programs underwritten by private investors designed to bring your score up and reorient you to the values Solutionist society demands.

Citizen scores determine access to jobs, housing, leisure opportunities, and social relationships. They affect the prices people pay for goods and services and even the type of education and medical treatment they get. At birth Cam and Li, like everyone born outside a sanctuary zone, were assigned unique identity numbers linked to retinal scans and were each issued a Citi Badge. Their Citi Badges are connected to the ledger and hold funds from their Global Coin government stipend, student vouchers, and data currency transactions.

Both badges are tied to Talia’s, so the family’s citizen scores rise and fall together. When Talia or the girls make purchases in the real world or in a virtual world the cost is directly debited from their Global Coin balance after biometric authentication. This can be accomplished via facial recognition, retinal scan, thumbprint or heartbeat/ECG signature. Prices and fees paid are dynamic and influenced by their scores. Low score? You can expect to pay more for food, rent, and medical care. High score? You get across the board discounts and special perks like invitations to official receptions and preferential treatment when filing government paperwork.

The ledger asserted its influence slowly but insistently as people’s quantified lives were integrated into the data stream, and the real world melded with the virtual. At first, people eagerly adopted wearable technologies that augmented reality through data overlays. Phones, devices, headsets, and smart contact lenses created blended experiences that could be both innovative and disturbing. Today, wearables are no longer a novelty. People are expected to use them to manage their existence and document it through data. For instance there is now an understanding that everyone will regularly monitor their brain waves, heartbeats, sleep patterns, and other bodily functions. It calls to mind the antiquated practice of documenting oil changes and maintenance on one’s car to keep the warranty valid. Gaps in one’s health data profile could be grounds for being denied medical treatment.

As the economy was digitized, transportation and movement became increasingly circumscribed. No one has personal vehicles anymore, so unless you are walking or have a bicycle, you have to use DigiGo, the autonomous ride sharing system. The system requires you to have a Citi Badge. Access to different sectors of the city varies depending on your citizen score. Each sector has a digital border. Many opt to get implanted Citi Badge chips, which allow you to travel between sectors without manually checking in at each crossing. Citi Badge interfaces are cumbersome, and many of the newer operating systems no longer process device-based transactions.

People without chips spend a lot of time waiting; but Talia still wasn’t going down that path. The girls IoT pathways tattoos are as far as she is willing to go. They are, in theory, temporary and can be removed. She scrupulously limits the data shared about her family to the bare minimum. She kept their outdated devices, even though they are on their last legs and barely hold a charge. Whenever possible they walk, restricting their use of DigiGo to situations that absolutely demand it. They hope one day their budget will allow them to get their hands on a few refurbished bicycles. If you have a worthwhile barter, you can often find an off liner with one to trade. They are sensor free, and if outfitted properly allow flexible travel well beyond the authorized network of corridors used by self-driving vehicles.

The planet’s resources had been all but exhausted, and eventually oil and mineral mining yielded to data mining. Enormous energy demands created by the transition to Blockchain depleted the last of the petroleum reserves, forcing a rush into alternative energy infrastructure projects that could support the mining operations demanded by the ledger. Authorities had not planned ahead. Energy needs were so pressing that the systems being rolled out were not well tested, and installations often failed or created dangerous conditions for the installers and those who lived nearby.

In short order, bio-capitalist data-mining operations became nearly as profitable for investors as the extractive industries they had replaced. The automation of huge swaths of labor markets initially posed a serious problem for global capitalists. With a majority of people now jobless, what good were they to the economic system? Sure, they could still consume some products since Citi Badge provided a basic income, but how else could value be extracted? Consumption on a basic income would have to go down.

Alphadata, the world’s most powerful cloud-based computing company, had anticipated the answer. The company deftly maneuvered to a spot at the top of the extraction pyramid by providing “free” online services: communications, software, and data storage. Data would be the new oil, and the convenience the company prudently offered the world built a level of corporate wealth in data that was unsurpassed.

The complete privatization of public sector services combined with outcomes-based government contracting created a windfall for the data-mining industry. To expand these programs, success would have to conform to specific metrics that could only be cheaply aggregated via digital platforms. As global poverty rose, prospects for the data-mining sector seemed rosy indeed. Looking back, people realized how false the narrative of “free” services had been. They had given away their most valuable assets, their identity, without blinking an eye. Their online lives, their digital shadows, were now contained within the Alphadata cloud. It was a parallel universe of millions of digital lives pooled to fuel machine learning. It was these storehouses of data that powered the company’s research in artificial intelligence and led to innovations that put so many out of work.

People had been handing off their data to more companies than Alphadata, of course. All the social media platforms and e-commerce sites mined data, too. More and more people clamored for data control and ownership, which was eventually granted through digital sovereign identities stored in the ledger. Essentially, Citi Badges now serve this function. The datasets they hold are private, but people have the option of making them available for a price.

Progressive interests pitched digital identities as a way for people to monetize their data, perhaps enhance their meager Global Coin stipends. In the Global North, digital sovereign identity was ushered in through adoption of municipal identification programs associated with Smart City improvements, the precursor to Citi Badge. The technology had been beta-tested on the Global South and refugee populations years prior. Perpetual war and displacement created an ideal laboratory in which to refine these new technologies.

Data banks replaced blood banks. In a pinch, the poor could sell themselves to get by, while the rich could sit on their personal data treasure and maintain their anonymity. Even for those for who lived comfortably, data sharing was still a tricky matter. In the abstract you could attempt to keep your data from ending up on the ledger, but practically speaking no public services were accessible if you refused to participate in the biometric data system. Everything was tied to outcomes-based Pay for Success contracts, including public education. If you or your children wanted access to services, the price was entering the ledger’s data stream.

Talia hated to relinquish the family’s data, but found it necessary at times. For example when Li broke her arm in the maker space loose parts play area, Talia initiated a data currency transaction that released two years worth of the family’s purchase data to cover the unexpected medical costs. And Cam and Li’s educational data is, by default, part of the stream. The Solutionists have full access to it for the purposes of evaluating Cam and Li’s citizen scores and pay-for-success contracts with their education providers.

Talia hopes she never has to sell that to a third party; because she knows it could impact the girls’ ability to access income sharing agreements in the future. But many parents in her sector have to make hard choices to pay the rent. The Citi Badge stipend only goes so far each month, and selling educational data is a common way to make ends meet. Selling that data can lead to problems for children down the line. Data that implies academic or behavioral weaknesses can lead to students being excluded from learning opportunities; being denied opportunities to secure loans to cover tuition; being relegated to the lowest paying jobs. Nevertheless, people have to eat and keep a roof over their heads, and data currency transactions are the most common fallback they have.

The only way to leave the data stream is to go offline, which means disconnecting from the Global Coin economy entirely and losing access to all public service supports, housing, and employment. It also means finding ways to be fully human outside a digital platform, to relearn how to simply be with others without a buffer, without data, to embrace speech and touch and even the written word. People are understandably fearful of off-liners. Their rebellious insistence to exist, even in such dire conditions, outside the structured confines of Solutionist society, is a fact that has the potential to destabilize the whole enterprise.

Most try to ignore them, but a few harbor quiet hopes that a new non-digital economy might somehow, miraculously emerge from the lives they live. Such hope flickers in the hearts of a handful of hardy souls who hold fast to the possibility of a future built on trust in one another rather than trust in the ledger. Though she only admits it to herself, Talia is one who still thinks another world may be possible. How could she not? She has young children whose futures are yet unwritten. Falling into despair would hurt not only herself, but her entire family, too.

Continue to Part 5: Automated Education

Supplemental Links

Blockchain: Link

Blockchain Universal Basic Income: Link

Smartphone Augmented Reality: Link

Sesame Credit: Link and (long read but worth it) Link

Entrepreneurial Finance Lab Harvard: Link

MIT Digital Currency Lab: Link

Aadhar National Identity System India: Link

Aadhar Biometric Payments: Link

Biometric Bitcoin Wallet: Link

Heartbeat / ECG Biometrics: Link

Retinal Scan Payments: Link

Biometric Capitalism Talk Keith Breckinridge: Link

Black Mirror Episode Nosedive: Link

Cambridge Analytica: Link

Blockchain Technology of Trust / Goldman Sachs: Link

Blockchain Economy: Link

Blockchain Energy Consumption: Link

Dynamic / Personalized Pricing: Link and Link

Lucyd AR Glasses: Link

AR Contact Lenses: Link

Transference VR Horror Game/Film Experience: Link

IoT Digital Health Monitoring: Link

Implantable Chips for Access: Link and Payment Link

Biocapitalism: Link

Google’s Eric Schmidt Data is the New Oil: Link

Google AI Awakening: Link

Self Sovereign Identity: Link and Link and Link

Decode Digital Identity: Link

UN ID2020: Link and Link

Blockchain Data Monetizing Platforms: Link

Municipal ID Card / Payment Programs: Link and Link

Digital Colonialism: Link and Link

-Alison McDowell