Know Me / Nudge Me Jenny Comiskey, Aradhana Goel, Simon King

Trading personal information for personalized services

Most people are still careful to protect their personal information, but more and more of us are choosing to store our most intimate details online: financial information, health records, personal preferences, and even our schedules and location. This is not because we are more trusting, but because sharing information unlocks access to personalized services that support us in meaningful ways.

Services such as Flickr, Facebook, and Mint have created platforms to collect personal information and, in turn, have built value around their customers’ willingness to provide it. Netflix asks for direct input in exchange for personal recommendations, but the Toyota Prius works in the background, unobtrusively capturing our driving behavior and playing it back to us. Building on the power of information, these services can transform unintended consequences into intentional change.

As people share more, their expectations are evolving from archiving services to personalized services that adapt to them, and even anticipatory services that nudge them in positive ways. This has resulted in services that capture people’s history, filter their information, and turn it into tailored recommendations, options, alerts, and connections.

The Evidence — Stories from around the globe

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Surfacing the hidden

Leif is pushing 50 and some of his friends are already facing serious medical problems. So he decided it was time to start taking his own health needs more seriously. He looked into 23andMe.

Although it seemed like a credible service, he did have some reservations. What if he learned he carries a rogue gene? What if an insurance company uses this information against him in the future? But the benefits outweighed the risks, so he ordered a sampling kit. A month later, he was logging on to the 23andMe website and exploring his DNA sequence.

Leif discovered that he has an undiagnosed propensity toward glaucoma. The information from 23andme tells him what to pay attention to and nudges him toward preventive care.

How might we help people connect with the invisible, reflecting a new perspective? How might we allow our own history to introduce a new understanding of ourselves?

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Informing decision-making

A year into her first real job, Claire had saved very little and knew she had to do something to keep her finances in check. Her best friend persuaded her to try Mint, an online financial tool that could help her track her spending patterns without the chore of budgeting.

What jumped out at her was the $800 she spent that month just eating out—a full $150 more than the average among young singles in the NYC area. She cut back, and a month later Mint confirmed that she had spent $200 less on food.

Seeing her spending patterns and knowing how she compares with her peers gave her a powerful nudge. This new window into her financial life has made her feel more mature and more responsible.

How can we reveal the big picture across behaviors in order to inspire proactive change?

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Managing the everyday

Karan is a physician at the Northwestern Hospital in Chicago, and he has a demanding schedule. He used to depend on a little notepad for organizing his life, but with a new baby at home he is having trouble keeping up with all of his daily errands.

When searching for some iPhone apps, he came across Remember The Milk, which promised to help him manage his tasks and never forget anything. Karan is now addicted to this service and cannot imagine going back to his notepad. It’s almost as if he has a personal assistant. Remember The Milk helps Karan from feeling so overwhelmed all the time. And now he promotes the app to all his friends.

How might we make supportive services available in the right place, at the right time and through the right channel?

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FoodFlex

Safeway’s free online tool, FoodFlex, has really changed Karen’s buying behavior. Generally, she and her husband think of themselves as healthy eaters, but FoodFlex flagged her sodium intake as exceeding USDA recommended guidelines. Karen’s commitment to her Safeway Club Card has completely changed. It’s no longer just a way of spotting bargains. She uses it to keep track of her family’s food habits and hopes to slowly change her shopping pattern toward healthier choices.

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ZumeLife

Dave follows a set regimen every morning for his meds, but last month his doctor doubled his medication for an acid blocker. At first, he would often miss the second dose because it was not part of his usual schedule. Fortunately, he now uses Zuri, a device from ZumeLife, which reminds him every day at 5:30 to take his second pill. It also lets him log his food intake and pain symptoms. After so many years, Dave has learned that however good your doctor, you still have to take responsibility for yourself.

Facebook Connect

The whole point of Facebook is to allow people to share personal information with their friends. Now members can bring their data with them to any website that supports Facebook Connect, enabling third-party services to provide focused, relevant information. For example, Workstir is an online service for finding work leads. Mike, a carpenter in San Jose, California, logs into Workstir with his Facebook account and regularly finds three or four work requests in his area.

Discussion

Enric

October 7, 2009

Out of the realm of technology, here is an example of how giving away a bit of information every day led to better customer service:

Go to any local business in your neighborhood often enough to establish a relationship with the shopkeeper and you will see how suddenly you will start getting better customer service: recommendations on similar products, free samplings, instructions,  etc..

This face-to-face interaction requires a similar type of personal investment than all the tech-centered examples presented here.

The question here is, how can you make people realize that the personal benefit (functional and social) of frequenting local businesses well exceeds the cost of making an effort to establish a relationship with them?

71 people agree with this comment

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Cesar Torres

October 8, 2009

I definitely agree with the “Take Action” points outlined above (especially for sensitive data like finances and genetic code), but I think the most important thing for increased consumer usage is creating what you refer to as “ambient services.” Recommendation engines will evolve, but are made that much better when you capture an overabundance of raw data and interaction to dispense sound advice.

Hardware and software that track and analyze data this way are fascinating. I became a huge fan of the iPod/Nike+ system once it successfully tracked my running habits at a higher level than I could perceive with my own analog system.

As more and more data gets pumped into web apps and social networks, engines and bots will become better at analyzing this information and providing feedback to users. The semantic web (as outlined by director of the W3C, Tim Berners-Lee) will be what allows for these “recommendations, options, alerts, and connections.”

Great issue!

63 people agree with this comment

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Cesar Torres

November 9, 2009

Why all the spam comments? :\

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Mark

November 24, 2009

This is such a great resource that you are providing and you give it away for free. I love seeing websites that understand the value of providing a quality resource for free. It’s the old what goes around comes around routine. Did you acquired lots of links and I see lots of trackbacks?

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rentenversicherung

December 2, 2009

In a recent research note, I referred to data as the DNA of an insurance company. While I thought I was being clever, I actually missed the broader implications of the analogy. The point was that just as DNA helps define the molecule—which becomes the cell that forms the tissue that becomes an organ that leads to a body—so too does data help define the information that leads to the tasks that become activities that are part of processes that define business operations. From an operations standpoint, good data is a key building block for cost-efficient and organizationally effective insurance transactions.

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Facebook profile design

December 4, 2009

I become a huge fan of the iPod/Nike+ system once it successfully tracked my running habits at a higher level than i could perceive with my own analog system.

39 people agree with this comment

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Jessica

December 16, 2009

I may be one of the few folks left who believe that less is more when it comes to doling out personal info online.  I cannot believe the amount of confidential personal info that people hand over to free services, like FB.  It most certainly will come back to bite them in the (you know where)

42 people agree with this comment

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ronald hicks

February 2, 2010

I’m not sure I feel comfortable with my personal information out there, dose’nt that make identity theft much easier?

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Donald Brooks

February 7, 2010

I gladly clinch hold back the “Take Action” points outlined considerable (especially owing to hypersensitive knowledge flip over check again genetic code), but I trust the abundantly central charge whereas deeper consumer gobbledegook is creating what you refer to seeing “ambient services.” recommendation engines leave evolve, but are mythical that largely improved when you group an overabundance of cold score besides interaction to manage sound advice.

Hardware and software that passageway further make plain word this passage are resplendent. I became a husky seed of the iPod/Nike+ plan once concrete successfully tracked my remote habits at a dominant level than I could sense not tell my concede analog system.

As further also more network gets pumped enthusiasm network apps further outgoing networks, engines and bots will become choice at analyzing this lowdown and providing feedback to users. The semantic trellis (seeing outlined by docent of the W3C, Tim Berners-Lee) will correspond to what allows for these “recommendations, options, alerts, besides connections.”

Great issue!

30 people agree with this comment

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Andre Smith

February 16, 2010

This is commensurate a eminent resource that you are providing also you allot sensible immediately considering emancipate. I rapture in that websites that presume true the distinction of providing a type resource since unchain. It’s the void what goes around comes around mind-set. Did you acquired lots of links besides I scrutinize lots of trackbacks?

33 people agree with this comment

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Donal Brook

February 16, 2010

I come a bull aficionado of the iPod/Nike+ design once existent successfully tracked my gangling habits at a greater raze than i could debunk hole up my let on analog formation.

28 people agree with this comment

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Steve

April 30, 2010

At Amp, there are no bank fees for holding your deposit  Why is this important? Simple. Many banks and financial institutions charge you copious amounts of money to hold your money there. So, in essence you save more money by keeping your term deposits with Amp. Another positive is that you decide where when and how you want the interest to take place. This is a beneficial step to the process because you can invest it or spend it. Whatever you want to do with it is up to you.

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April 30, 2010

“Both programs have been primarily been built to manage Twitter but Hootsuite will help manage your Facebook, LinkedIn and ping.fm accounts and also has its own iPhone app. On the other hand Social Oomph helps manage Facebook, ping.fm and has a Blackberry app you can download from the BlackBerry App World called Snaptu, which does look great.

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Jayce Nugent

May 4, 2010

Hardware and software that passageway further make plain word this passage are resplendent. I became a husky seed of the iPod/Nike+ plan once concrete successfully tracked my remote habits at a dominant level than I could sense not tell my concede analog system.

As further also more network gets pumped enthusiasm network apps further outgoing networks, engines and bots will become choice at analyzing this lowdown and providing feedback to users. The semantic trellis (seeing outlined by docent of the W3C, Tim Berners-Lee) will correspond to what allows for these “recommendations, options, alerts, besides connections.”

16 people agree with this comment

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Raleigh Coupons

May 7, 2010

Hardware and software that track and analyze data this way are fascinating. I became a huge fan of the iPod/Nike+ system once it successfully tracked my running habits at a higher level than I could perceive with my own analog system.

16 people agree with this comment

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Property Developer

May 8, 2010

The situation with personal information in cyberspace is concerning to most individuals. How many of us have been the target of online fraud. More than we might think.

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Roger Waugh

May 26, 2010

if an insurance company uses this information against him in the future But the benefits outweighed the risks, so he ordered a sampling kit.

12 people agree with this comment

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The Woodlands Texas

June 9, 2010

I am still weary of putting my personal info up on sites.  I just had my identity stolen about 3 months ago.  It sucks.

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Eva Peters

June 14, 2010

Social networks are ruling these days. Right from connecting with friends to getting jobs, everything can be done on these networks. However not all people are comfortable with sharing their personal information online. This is because of cyber crimes which are on the high. Many people are unable to take full advantage of the internet because of some online criminals.

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Square Peg Web

June 28, 2010

Lot of online sites are provide trading advisory service and other kind of service…

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scrabble solver

June 30, 2010

That’s why I prefer not too share too much on facebook and rely on my own server where I can have access to my photos and schedule…

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Protein Shakes

July 7, 2010

I definitely agree with the “Take Action” points outlined above (especially for sensitive data like finances and genetic code), but I think the most important thing for increased consumer usage is creating what you refer to as “ambient services.” Recommendation engines will evolve, but are made that much better when you capture an overabundance of raw data and interaction to dispense sound advice.

As further also more network gets pumped enthusiasm network apps further outgoing networks, engines and bots will become choice at analyzing this lowdown and providing feedback to users. The semantic trellis (seeing outlined by docent of the W3C, Tim Berners-Lee) will correspond to what allows for these “recommendations, options, alerts, besides connections.”

10 people agree with this comment

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July 10, 2010

Hi,
My requirements or what i am planning to do is :-
1) Trading over long term(investor type), low investment too.
2) Low brokerage cost.
3) Market research not an issue, my sources are personal.
4) NSE/BSE? trading should be allowed.
5) Basically hassel free services.
Can anyone suggest online trading sites fitting the bill.
Thanks!

9 people agree with this comment

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Steve

July 12, 2010

I’ve always been technophobic…I was the type of person that didn’t trust putting too much of my personal information online, until I went traveling to work. I couldn’t actually survive without Online Banking. Transferring money between saving accounts etc…Despite my initial reservations I don’t see an alternative….and I have gotten much better deals online…I guess it’s just accepting that this is the way of progress….

11 people agree with this comment

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I definitely agree with the “Take Action” points outlined above (especially for sensitive data like finances and genetic code), but I think the most important thing for increased consumer usage is creating what you refer to as “ambient services.” Recommendation engines will evolve, but are made that much better when you capture an overabundance of raw data and interaction to dispense sound advice.

10 people agree with this comment

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apotik online

July 14, 2010

Completely agree, nowadays it is not safe to use personal details on the net anymore.

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Facebook Layouts

July 17, 2010

Trading is not a new phenomenon - we’ve been doing it for centuries! The trade that occurred among the most primitive humans has evolved considerably over time, and the word “trade” has come to include the complex trading that occurs on the floor of the New York Stock Exchange

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autonudge? you should not focus to much for it

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alibaba

July 21, 2010

it is a future strategy… I will follow it for sure!

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Ooty

July 22, 2010

You have all inspired me to focus on providing more informative and resource type link building posts in the future, so stay tuned for more soon.

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Locum Agencies

July 30, 2010

Facebook have just this week announced that the details of over 100 million users are available for download on a torrent website - frankly that is disgusting. I don’t see how people’s details should be a commodity. Of course, they say that it’s up to you to make sure your details are private, but there are so many children (and adults) that either don’t fully understand the risks, or can’t work out how to change the settings, that it is going to be a real risk. They should default all personal information to private in my opinion, so anyone who wants to make it public can do so.

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SEO Newcastle

July 30, 2010

That’s true - I heard about that this week too and think it’s really unfair!!

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July 31, 2010

As more and more data gets pumped into web apps and social networks, engines and bots will become better at analyzing this information and providing feedback to users. The semantic web (as outlined by director of the W3C, Tim Berners-Lee) will be what allows for these “recommendations, options, alerts, and connections.”

8 people agree with this comment

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Mary

August 2, 2010

Hi, your materials seems to be of a great interest for me.  ‘Take action ’ points mostly helps us to create positive, non-repugnatorial atmosphere for users of different platforms.  And focusing on them is a must in order to create efficient platforms to collect personal information. Here, in Ukraine, we feel increasing interest towards such services as Facebook, and its alternatives. However, managing the everyday and different informing decision-making servises seems to be rarity for most of us. May be people still don’t believe that calculating may lead to a great results.

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August 19, 2010

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August 21, 2010

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Web Design Newcastle

August 24, 2010

Looks like we’ve got a couple of spammers! If you’re going to place blog comments for links, then that’s fine - but make a good point or an arguement, or something! Don’t fill the web with crap!

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HGH

August 30, 2010

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August 31, 2010

I think this service is so good to use.  I think it is an amazing idea to use. This works with so apps that i love.

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September 2, 2010

Its great to Trade personal information for personalized services.

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