CMPT 455 / 826 Information Modeling & Retrieval

Week 02 Critiques


Based on J.B. DeLong & A.M. Froomkin, Speculative Microeconomics for Tomorrow's Economy

NOTE: These critiques are based on suggestions from the class, but may have been modified from the original wordings provided by individual students. Putting them together demonstrates that there are a wide variety of interests in the class.

The Utility of the Market


Name: Competition
Type: Opportunity
Discussion:
This section discusses the success of Adam smith’s policies application to the success of governments laid down in “Wealth of nations”.
Location: The Utility of the Market
Significance: The discussion in this build up paragraph helps one to understand how the Economics of Adam Smith times worked.  The introduction of Adam Smith policies becomes significant because it happened at the time when the world economy worked on the philosophy of mercantilism (holds that the prosperity of a nation is dependent upon its supply of capital, and that the global volume of international trade is "unchangeable." Reference: http://en.wikipedia.org/wiki/Mercantilism)
Suggestion: Smith explains that self-interest acts as a guiding force toward the work society desires. As Smith notes in Wealth, "It is not from the benevolence of the butcher, the brewer, or the baker that we expect our dinner, but from their regard to their self-interest." While one would naturally assume that everyone following only his or her self-interest would not create a very good society, there is another force that prevents selfish individuals from exploiting the marketplace. That regulator is competition. This regulator on a whole is the underlying principles of the economies that flourished following Adam’s policies. The Internet makes it easy for competition to enter the electronic marketplace.
Reference: http://www.zeromillion.com/econ/history-of-the-market-system.html : The History of Market System by Ryan P.M. Allis explains the market evolution capturing Adam Smith’s viewpoint.



Name: Invisible hand
Type: Challenge
Discussion:
This section discusses that Invisible hand as discussed by Adam Smith is the foundation stone of our civilization’s social thought.
Location: Utility of the Market
Significance: Understanding the concept of Invisible hand will help impose the author’s claims to shake the foundations of social thought, to be discussed later in the paper.
Suggestion: Smith uses the metaphor in the context of an argument against protectionism and government regulation of markets. In general, the term “invisible hand” can apply to any individual action that has unplanned, unintended consequences, particularly those which arise from actions not orchestrated by a central command and which have an observable, patterned effect on the community. Reference: http://en.wikipedia.org/wiki/Invisible_hand provides different interpretations, criticism, examples and arguments regarding the invisible hand.


NOTE: The following are two different perspectives from two different students.

Name: Role of the government
Type: Challenge
Discussion:
The section discusses the role of the government in the economy. The section suggests that the economic role of the government is to disappear.
Location: 5th paragraph of ‘the utility of market’ section
Significance: Where there is lack of governance there would be trouble if much care is not taken into consideration.
Suggestion:

Government should be at least partially involved in protecting the interests of society by regulating any economic operation to ensure basic honesty and other stability factors.

The current financial troubles in the USA are because of lack of government involvement in their economy. Mortgages were given out by lenders without properly ensuring that those they gave them to were able to pay them. This caused a great exposure to those people who relied on the lenders to take good care of the money that they entrusted them with.

The government of Canada have rules to which the providers of information should follow in order to be accessible to the whole population.



Name: Government Interference
Type: Challenge
Discussion:
The decision for the government to interfere with the online retail market and their options
Location: various places throughout the whole paper
Significance: The article discusses government interference as an inevitable occurrence, and as simple as deciding to do it.
Suggestion: The article never mentions the fact that the Internet is a global domain and there is no solid global governing body.  Many activities illegal in North America are able to be carried out on the Internet without reciprocation because the web sites are based over seas.  While sites such as the Pirate Bay  ( http://thepiratebay.org/ ) have recently been brought to court, they were able to operate without such occurrences for much longer in countries such as Sweden than if they had been based in the United States or Canada.


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"Technological" Prerequisites of the Market Economy

Definitions from the paper:


Name: Excludability vs. Rivalry
Type: Challenge
Discussion:
This section focuses on the market system dependence on three implicit pillars around which markets work
Location: Technological Prerequisites of the Market Economy
Significance: The three implicit pillars of market economy are considered as basis for comparison and contrast of today’s economy of telecommunications and information-processing industries with earlier world economics. There are some cases where excludability and rivalry cannot be separated and understood, their dependence become significant.
Suggestion: The view that excludability and rivalry are independent pillars of market economy is not completely true. They are interdependent. For example, it’s easy to exclude non-paying customers for apples. But it is impossible to exclude free riders on public waterways or the atmosphere. If there is rivalry in consumption, there is every reason to exclude. Both private goods and commons goods are subject to consumption rivalry. But it is much more difficult to clearly define and enforce the property rights for commons goods. The issue to address is what good can be deemed common. Reference: http://livingeconomics.org/article.asp?docId=239  provides more discussion about these two factors in dependence with each other.



Name: Market Model
Type: Opportunity
Discussion:
This section describes how technology is undermining the basic features of the “invisible hand” model of the economy.
Location: “Technological” Prerequisites of the Market Economy
Significance: The old model doesn’t fit as well with changes in the market from new technology.
Suggestion: Would there be an altered model that would work better in the digital age? There is value in seeing where one model fails, but also where a different model succeeds. This article only shows one view of the marketplace and it would be helpful looking at other views in order to find some solutions.

The existing model of Smith and the autors is based on financial greed. Toffler (in
Powershift: Knowledge, Wealth and Violence at the Edge of the 21st Century (1990)) identifies financial power with 2nd Wave societies (based on manufacturing of goods). LIkewsie he identifies power over information as the the basis for real power in 3rd Wave (post-industrial) societies.

According to the Wikipedia entry on Alvin Toffler, "In this post-industrial society, there is a lot of diversity in lifestyles ("subcultures"). Adhocracies (fluid organizations) adapt quickly to changes. Information can substitute most of the material resources (see ersatz) and becomes the main material for workers (cognitarians instead of proletarians), who are loosely affiliated. Mass customization offers the possibility of cheap, personalized, production catering to small niches (see just-in-time production). The gap between producer and consumer is bridged by technology using a so called configuration system. "Prosumers" can fill their own needs (see open source, assembly kit, freelance work). This was the notion that new technologies are enabling the radical fusion of the producer and consumer into the prosumer. In some cases prosuming entails a “third job” where the corporation “outsources” its labor not to other countries, but to the unpaid consumer, such as when we do our own banking through an ATM instead of a teller that the bank must employ, or trace our own postal packages on the internet instead of relying on a paid clerk."


Excludability



Name: Excludability still rules
Type: Challenge
Discussion:
The section discusses the dangers associated with restricting information and products away from the customers in order to create a sense of excludability on products and information. It does not however recognise some characteristics of information or product that would make the product maintain its excludability.
Location: ‘Excludability’ section
Significance: While the section suggests that current economy might endanger the rule of excludability, I think some products or information would maintain the sense of excludability.
Suggestion: The demand for the product and information, the type and availability of information affects the excludability of the product.

Excludability has to be forced primarily on mass market information. For example, cable TV channels, the owner of cable TV are able to force some customers to pay for the channels (information) they would like to have. The cable owner manages to force the customer because of the demand for the product type.

On the other hand, organizations that pay big bucks for specialized corporate intellegence on their competitors are not likely to share it. They will help exclude others.



Name: Reciprocity
Type: Challenge
Discussion:
This section address that reciprocity can overcome the absence of excludability to help support the producer, reciprocity being considered as the basic mode of every human being.
Location: Excludability
Significance: It’s impossible to ascertain that reciprocity is a basic mode of every human being.
Suggestion: Based on my understanding and the definition of reciprocity, I think the trait of Reciprocity cannot be ascertained to exist among all human being. As Gorge Bernard Shaw’ golden rule goes "Do not do unto others as you would expect they should do unto you. Their tastes may not be the same."  From http://en.wikipedia.org/wiki/Ethic_of_reciprocity#Criticisms



Name: power of lowest-common denominator
Type: Opportunity
Discussion:
The authors use broadcast television as their prime example to show how changes in excludability have changed the way profits are earned (advertisements rather than direct-billing customers). While this form of media has incresingly pandered to lowest-common denominator, technology has now created more specialized alternatives.
Location: Section 4 - Excludability
Significance: Information technology advances make it feasible to meet increasingly specilaized needs.
Suggestion: Developments on the Internet, that lower the cost of broadcasting information, allow for ignoring the masses and going back to specialized production. This is demonstrated by recent  special interest groups (e.g. specialized forums, blogs, groups of Facebook friends, etc.). Lower cost information production also makes it possible for the Internet to “intersect” with traditional broadcast media (e.g. news sites or YouTube).



Name: Absence of Excludability
Type: Challenge
Discussion:
The authors discuss that in the future commodities that receive the most money will not necessarily be targeted to what the consumer wants, but instead the consumer will see stream-less amounts of advertisements to pay for the commodity.
Location: Last paragraph in Excludability
Significance: I think this is not generalizable to all of economics. Sure there will be commodities solely based on getting user demand through poor quality but there will also be commodities targeted specifically to users through quality of the product.
Suggestion: The authors are suggesting that the next economy is going to be largely based on bad programming. By bad programming I mean terrible television shows still being shown only because they can get enough people to mindlessly watch and the networks can acquire enough money through the advertisement channel that they are still making a profit. This method will still be used in the next economy although there will be specialized commodities based on the quality of the product. One example that I can think of is World of Warcraft (WoW). Blizzard, maker of World of Warcraft, captures a tremendous amount of money from monthly subscribers to play their game. Also, other businesses prosper through the online community of WoW by selling items, gold, etc. from the game in real life for real money.



Name: Revenue from Broadcasting
Type: Opportunity
Discussion:
The profit structure of broadcast television is discussed
Location: Excludability
Significance: Profit for television programs are discussed in terms of advertising money obtained due to the size of viewership. This does not address more recent revenue streams adopted by network television
Suggestion: Sites such as Hulu (www.hulu.com) now offer on demand viewing of most shows available on NBC, Fox, and ABC. Hulu can allow more small-audience shows to prosper, because they are no longer taking viewing time away from more mass audience shows, as anyone can watch any of the available shows at any time, allowing the two to co-exist.
    We should also consider the growing sales of TV on DVDs, which is an excludable approach to television.  Though many television programs are pirated online, many shows have found success in DVD.  Some, like Futurama, have garnered enough popularity on DVD after being cancelled that the network will bring back the show for another season (http://www.cbc.ca/arts/tv/story/2009/06/10/futurama-revival-new.html).  This also supports the creation of niche shows with a hardcore fan base that will purchase the physical media, as opposed to a casual mass audience show with which few people care enough to seek it out.



Rivalry



Name: Satisfaction and rivalry
Type: Opportunity
Discussion:
The discussion attributes the cost of obtaining  the goods/services rivalry to lack of (scare) availability of those goods/services . It assumes a rational demand for the goods/services based on actual need. It ignores the role of advertizing in creating perceived needs to increase demand.
Location: ‘Rivalry’ section, 5th paragraph ‘prerequisites of the market economy’
Significance: I think these two are not the only factors that affect rivalry.
Suggestion: There is a difference between the need for goods/service and the demand for them.
Customer satisfaction on what they had and owned should have played a big role in creating satisfaction. In the current economy, customers acquire products that they do not need while anticipating a future use. Other customers acquire products for self esteem.


Transparency



Name: Factors affecting transparency
Type: Opportunity
Discussion:
The section attributes lack of product transparency on the complication of information and cost of acquiring it.
Location: 2nd paragraph ‘Transparency’ section
Significance: Identifying more factors that affect the product transparency would enable the current economic experts and policy makers to come up with solutions that would ease the economic problems that might emerge due to lack of transparency.
Suggestion Change of culture, way of thinking and the way customers use products and information affect transparency. 
Availability of counterfeit product and information increasingly confuse the customer in determining what products and information acquire. This intern affects the economy.
Customers’ lack of willingness to purchase information because of the dramatic change of value the information has from day to day is another factor.




Name: Effects of different transparency levels on excludability
Type: Opportunity
Discussion:
The section discusses how the new information based economy affects the information the customer gets. Because of the complicated and evolving ways involved in processing and providing information the customers find it difficult to understand.
Location: 3rd-6th paragraphs ‘Transparency’ section
Significance: While the section states how this complication will affect the economy, it doesn't say anything about the effect this will have on excludability.
Suggestion: The complication of information and products would require customers to acquire more information or more help in the use of the product. This would empower excludability because the sellers would have products that the customers need. The empowerment of excludability might stabilise the economy.




Name: Wilingness to pay for something does not correspond to its true value
Type: Chalenge
Discussion:
The authors make the claim that "If purchasers need first to figure out what they want and what they are buying, there is no good reason to assume that their willingness to pay corresponds to its true value to them." However they do not go further to explain the relationship between these two concepts.
This idea seems counter-intuitive to me, as I would expect that the more time someone spends deciding what they want and what they are actually buying that they would have a better understanding of what it is actually worth to them. It then seems logical to me that if you know what something is worth to you that your willingness to pay directly corresponds to the products value to you. If something is very valuable to you, you are more willing to pay for it.
Location: First paragraph of the section on Transparency.
Significance: Understanding value is at the center of this whole paper. While it is difficult to specify, we can relate the concepts of wilingness to pay and true value, if we consider the descrepancies between them.
Suggestion: What the customers pay is still equal to the true value. It is just that they have already paid out something in their efforts to find out what they want to buy. So they pay out more than what the seller gets, but what the seller gets is no longer the value.




Name: Amazon's "look-inside" service
Type: Opportunity
Discussion:
There are various innovative ways of increasing transparency of products without giving them away totally.
Location: Transparency
Significance: This is one example of ballancing the needs of excludability with those of transparency.
Suggestion: Amazon provides a service to the book publishers that allow them to open parts of the book to the user. It can be difficult to know what you are getting in a book when you order online unless you have already seen the book or it is recommened by a trusted source. This service allows the consumer to look at select pages and section of the book in the hopes that the buyer will become more interested with the rest of the book.



Name: Aids to Transparency
Type: Challenge
Discussion:
Transparency is not available in new complex digital products
Location: Transparency
Significance: New products have become more complex but the access to critiques has also increased
Suggestion: Since the transparency of items has decreased dramatically, there has been an explosion of consumer based critiques on products. Blogs, cites, and a general flow of knowledge help pierce this now opaque layer. True, this is more difficult with brand new products, as someone has to buy it first, but sellers are also eager to get their product out. They will then foreword their product to known critics, so that they can be assessed and (hopefully) endorsed by them. This creates that original flow of information.



Name: Transparent Functionality
Type: Challenge
Discussion:
The transparency of functionality of new software releases
Location: Transparency
Significance: It is stated that finding the current functionality of software is “notoriously difficult” to determine without hands on experience for an extended period of time.  I believe that this is a false statement.
Suggestion: Most companies release public Release Notes with each build of their product that highlight all of the new features they have implemented ( see http://development.openoffice.org/releases/3.1.1.html or http://www.tm4.org/documentation/MeV_4_4_release_notes.pdf ).  There are also many forums publicly available in which anyone can post questions about specific aspects of any software they choose and have users with experience answer them ( such as http://www.softwaretipsandtricks.com/forum/ ) as well as a plethora of walkthrough and tutorials freely accessable online ( http://office.microsoft.com/en-us/help/FX100485361033.aspx?pid=CL100605171033 ).



Name: Transparency VS Privacy
Type: Challenge
Discussion:
We have taken lots of kinds of information as products like digital data, music, and knowledge. And in this paper it is encouraged to increase the transparency of products including information for the new economy. But should we increase transparency of sensitive personal information which is sometimes considered as a good?
Location: Transparency
Significance: We have witnessed many cases that private personal information is sold and bought as any other product among government agencies, marketing firms, institutions and so on. Information security and privacy have raised great attention in information era which needs to be well settled. So it’s crucial to talk about the transparency of personal information.
Suggestion: The government have obligation to protect personal information. There are two possible ways to do it. The first way is that the government can create Intelligent Property Rights  for private information or knowledge. For another, some policies should be made to limit the production and distribution of certain kinds of information product  like sensitive personal information [Richard G. Harris, The knowledge‐based economy: intellectual orgins and new economic perspective].

The Economics of Market Failure

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Out on the Cybernetic Frontier

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The Market for Software
(Shareware, Public Betas, and More)


Name: Volunteer software development
Type: Opportunity
Discussion:
"Essentially volunteer software development would seem particularly vulnerable to the tragedy of the commons. Open source has, however, evolved a number of strategies that at least ameliorate, and may even overcome, this problem. Open-source authors gain status by writing code. Not only do they receive kudos, but the work can be used as a way to gain marketable reputation. Writing open-source code that becomes widely used and accepted serves as a virtual business card, and helps overcome the lack of transparency in the market for high-level software engineers."
Location: The Market for Software, 11th paragraph
Significance: There is a big industry dealing with open source software, so there has to be deeper financial issues that help maintain it.
Suggestion: Open source industry is a profitable one, if product has quality. Not being open source will not help if product has little or no value.
There are several other ways when this kind of activity provides significant amount of money, like support, training, consulting, provided that product has spread wide enough. Some of big companies with significant incomes are open source (Red Hat), and some are buying out open source products (Sun – MySQL)




Name: 30-day trial offers
Type: Opportunity
Discussion:
Many software suites offer 30-trail versions of their products. These are available for download to provide hands on experience using the software and to ensure that there is not compatibility issues. The trials are offered with a smaller sub-set of the features provided with the full version. Each time the software is run, the user is reminded of the trial and prompted to purchase the full version. After the 30-days, the user can only use the software if it is purchased.
Location: The Market for Shareware pgs 8-9
Significance: -This addresses the issues that the paper was talking about where consumers don't know if the software is what they want before they purchase. The developers are also betting on the user becoming familar with the software package and needing to purchase the full-version in order to continue working with it.
Suggestion: - It is important to be able to select which features are enough to sell the full-version and which are too many to make buying the full version necessary.
- It is important to track usage and to see how many people try and buy vs. how many only try the software. Tracking feature use in trial versions could also be helpful.
- It is important to let users know about features that they can't try out in the free version.



Name: Loss Leaders
Type: Challenge
Discussion:
The selling of a product at a loss in hopes to entice customers to buy other profitable products at the same time
Location: The Market for Software
Significance: It is claimed that the traditional idea of loss leader products is no longer applicable on online retailers.  I would argue that many have come up with ways of still making them relevant.
Suggestion: Sites such as www.amazon.com offer the opportunity to save on shipping with purchasers over a certain amount.  It should be noted that if they offer a cheaper product on sale at a loss, they can still entice customers into buying other profitable products in order to pass the free shipping threshold, thus making the retailer an overall profit on the full sale.

Similarly, giving away freeware or shareware can entice users to pay for "support".



Of Shop-bots, Online Auctions, and Meta-Sites



Name: “Kindly Service”
Type: Opportunity
Discussion:
Two reasons for online vendors blocking BargainFinder are given, namely “price gouging” and “kindly service.” The discussion of “kindly service” focuses around the personal/humanized nature of vendors and “better”, more targeted browsing interfaces
Location: Of Shop-bots, Online Auctions, and Meta-Sites - Efficiency?
Significance: there are various important attributes that need to be considered.
Suggestion: I don’t disagree with the separation into price and service related reasons for vendors choosing to boycott shopbots, however I think the “service” portion should be expanded even further. In addition to improved “personal feel” and “better browsing” I think sites differ in many other areas: geographic availability, shipping (pricing, time), availability, and return policies, etc. If a company thinks they are better in any one of these areas that would be reason enough to want to avoid having products included in a listing that is focused around pricing. On the flip side it must be said that in the past years many of the shopbots now include rating systems, customer reviews and sort/filter methods beyond just price.




Name: Shop-bots
Type: Opportunity
Discussion:
Shop-bots help the user find the lowest possible price for a commodity.
Location: Shop-bots subheading in the Of Shop-bots, Online Auctions, and Meta-Sites section.
Significance: Finding the lowest price is beneficial for consumers to stimulate rivalry. It would be helpful to display how businesses can use this as a benefit.
Suggestion: Businesses can use shop-bots like BargainFinder to find competitive prices for their goods and services. Shop-bots could be used to find out why a commodity isn't selling well by allowing the merchant to see if anyone is selling the commodity for a lower price, as well as, informing the business if they want to sell a commodity by determining if they can receive a reasonable profit of the commodity they could carry.



Browsing Is Our Business



Name: Browsing can lead to future sales
Type: Challenge
Discussion:
Sites that allow for comparison shopping may be detrimental, and businesses who take the time to provide information on products would lose business to stores offering better prices.
Location: Browsing Is Our Business
Significance: Before the internet, people could still find out information about products for free. They could go look at consumer reports at the library, compare prices in flyers, ads, and catalogues, phone stores, and ask associates in stores for advice.
Suggestion: Comparison shopping isn’t new; it is just more convenient with the internet. Though the article acknowledges this with examples of how people gather and use information offline, but not how that had an effect on business before the internet came along.

There is a high cost of attracting visitors to your website. Becasue of the cost of attracting customers to an e-Business, it is good to get all the exposure that you can. Even if a customer doesn’t buy a product from your store, providing information might still help business in the long run, especially for items that a customer wants to be properly supported after the sale.



Name: Shopping Around
Type: Challenge
Discussion:
Using a retailer’s recommendation services to find a product, then using a price comparison to find a better price elsewhere
Location: Browsing is Our Business
Significance: I would argue that many, if not most, customers would not do this, thus making recommendation services worth a retailers time.
Suggestion: This idea should be presented more as a possibility than as an inevitability.  Many customers who have purchased on Amazon.com in the past would find it more convenient to just purchase a book from them at a higher price (to an extent) than to search BargainFinder for a better price and sign up for a new retailer.



Name: Customer Information
Type: Challenge
Discussion:
Gaining information about a customer in order to be able to tailor a storefront to them
Location: Browsing is Our Business
Significance: It is suggested that the only way for an online retailer to learn about a customer is with tracking their site usage.  This is not the case.
Suggestion: The possibility of having a user fill out a general survey when signing up for the site should be brought up.  While this may not be as accurate as usage and buying habits over time, it can provide a good starting off point that can be supplemented with more in depth methods later.


Collaborative Filtering

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The Next Economics?

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Increasing Excludability


Name: residual value
Type: Challenge
Discussion:
Digital Watermarks try to make each digital copy an unique product to discourage information piracy.
Location: Increasing Excludability
Significance: When buying something in digital form, one is often buying the license to use the product, not that product itself.
Suggestion: While a book can be bought and resold, a digital copy of the book is harder to resell. In digital form, ownership of something has a different meaning. So making a digital copy unique does not give it the same value as giving someone a physical copy. Thus, the digital copy does not have the same residual value.
People trade the loss of this residual value for the value of convenience in acquiring the data. However, these might not be the only factors involved in such a trade-off.



Name: Tie In Products
Type: Challenge
Discussion:
Holders of digital intellectual property
Location: Increasing Excludability
Significance: Digital IP holders are said to have a strong incentive for rivalry and excludability in the digital market.  This does not consider the digital product as an advertisement for their other products.
Suggestion: While the view of the article might be true in some cases, sites such as www.penny-arcade.com, which is a free web comic, makes much of its money through advertising, but also sells T-Shirts and other merchandise at a profit (http://www.foster.washington.edu/about/Pages/AlumniProfileRobertKhoo.aspx has a profile on Robert Khoo, the business manager behind the site).


Increasing Rivalry


Name: Rivalry with information
Type: Opportunity
Discussion:
One doesn’t have to lock up information, in order to have rivalry.
Location: Increasing Rivalry
Significance: Exclusivity can have other dimensions beyond physical exclusivity. With information the temporal dimennsion can oftem be the most important.
Suggestion: Once content is shared, it no longer is exclusive to one site, but one could have the information out first, and be “the source” for infomaton. There can be a rivalry on how data is presented, in areas such as format, focusing on areas interesting to a particular audience, or added a humorous or entertaining spin.



Name: Preventing Shared Use
Type: Opportunity
Discussion:
Ways in which to increase rivalry and individual sales
Location: Increasing Rivalry
Significance: A handful of systems to increase rivalry are suggested, but no concrete examples are given.
Suggestion: Today, services such as Steam (www.steampowered.com) allow customers to purchase digital copies of video games and install them on as many computers as they like.  However, Steam requires the customer to be logged into their servers in order to access and play the games they have purchased, so that only one copy of that game can be running at any given time, which achieves a similar result to the traditional physical media approach.


Increasing Transparency



Name: Customer Loyalty Programs vs. Privacy
Type: Opportunity
Discussion:
A short paragraph in "Of Shop-bots, Online Auctions, and Meta-Sites" makes mention of growing popularity of frequent-buyer and other loyalty programs. In addition to various loyalty programs one should make note of the growing number of sites offering/requiring the creation of customer accounts to make purchases online. Once these have been created they can be/are used to create a personalized browsing experience and send targeted advertising via email or SMS (e.g. Amazon) or even keep track of customer/seller feedback (e.g. Ebay).
Location: Of Shop-bots, Online Auctions, and Meta-Sites and Increasing Transparency
Significance: This is an example of sellers "buying" information from their customers
Suggestion: The effect of having to create customer accounts is not insignificant. Some people may have concerns about their privacy and therefore do not trust certain vendors, while others may simply be lazy and are therefore willing to pay a higher price or deal with poorer service if it means they do not have to create another customer account with a different vendor. There are attempts to remedy this via use of centralized “purchasing account services” such as paypal. Numerous stores allow for quicker checkout using a paypal account (see https://cms.paypal.com/ca/cgi-bin/?cmd=_render-content&content_ID=ca_shop/shops).



Name: Increasing Transparency by new market technology like prediction markets
Type: Challenge
Discussion:
As Adam’s market fit reality less well today, there should be some new market technology developed using new technology in information era which may fit the world today better. What are they? Are they feasible?
Location: Increasing Transparency
Significance: Prediction markets (also known as information markets, decision markets) are designed for the purpose of making prediction using new techniques and new computation methods in recent years, and it improves the transparency. As it is created in the new information era using new technology, we should concern its utility and contributions to market theory.
Suggestion: In complicated situations, the prediction markets can integrate expectations (informed by facts and expertise) much faster than the mass media do [Prediction Market, http://www.chrisfmasse.com/]. It improves the transparency by eliciting information from multiple agents effectively. Though it does suffer from some inaccuracy problem, but evidence so far shows that prediction markets are at least as accurate as other institutions predicting the same events [Prediction Market, http://en.wikipedia.org/wiki/Prediction_market].



Policy Hazards in the New Economy


Name: Unskilled workers
Type: Challenge
Discussion:
Unskilled workers were plentiful, and much needed in the industrial era but in the next economy there will be no need for unskilled workers.
Location: 2nd paragraph in Policy Hazards in the New Economy
Significance: I believe that the need for unskilled workers will not disappear.
Suggestion: There will always be a need for unskilled workers, the only part that is going to change is the definition of unskilled workers. The unskilled workers in the past are not necessarily unskilled because they needed to learn a set of skills so that they could accomplish their job. It was not possible to train a monkey to “watch largely self-running machines and call for help when they stopped “, or else the merchants would have. In the next economy the unskilled workers will just need a different set of skills to become effective in the information era.



Name: The liquidity of money
Type: Opportunity
Discussion:
how dealing in transactions through purely digital forms of currency affect the market
Location: Policy hazards in the new economy
Significance: The consequences and results of financial institutes joining the digital market.
Suggestion: Financial institutions have already joined the digital market, but there are stoppers to regulate the flow so that it can be precisely regulated as they start to dabble their feet in this market. The real concern is when the fluidity of digital exchanges reaches higher potentials.  http://citeseerx.ist.psu.edu/viewdoc/summary?doi=10.1.1.51.2460 provides examples for the opportunities and pitfalls of digital moneys.



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Copyright © 2009 - Jim A. Carter Jr.