GDPR for web developers

January 10th 2019

GDPR has affected everything we do with user data, and companies have really struggled to be compliant with the new regulation. And the struggle is not over.

In this talk at SymfonyLive London 2018 we explain what GDPR is, and then we talk about the different ways in which web developers have approached it. We present case studies based on interviews we have done with three companies Then we discuss some of the on-going issues with GDPR.

Watch the video here

The social benefits of personalized finance

August 3rd 2018

Until recently, personal finance services have been highly standardized. Most banks have offered very similar types of accounts, online banking features, and standardized credit cards. As a result, people often view banks as being cut from the same mould. In the UK, this standardization has been identified as a major reason for low levels of account-switching. Why go to the hassle of changing banks if they all offer the same packages, and at similar price points?

How do the Dutch actually pay? Peering into people's wallets

June 19th 2018

The Dutch are famous for preferring domestic financial services to foreign ones. As many an unsuspecting traveler to the Netherlands has discovered, it can be difficult to buy things without a Dutch debit card.

In fact, the Dutch love their own products so much that they even invented their own payments system called iDeal to prevent PayPal from gaining market dominance.

However, things are changing. Financial services are increasingly accessible across international borders, thanks to a combination of technological and regulatory developments.

How will this affect the Dutch market for financial services? Will they adopt foreign financial services, or will they stick with homegrown ones? The Dutch National Bank (DNB) does their own excellent research on payments in the Netherlands. We took a slightly nosier approach, peering into people’s bags and wallets to see what they use and how they use it.

Read Part I and Part II of this article on The Paypers website.

Ethnography, economics, and the limits of evidence

June 19th 2018

Evidence produced within quantitative disciplines like economics and finance carries an aura of gospel. The numbers, models, and forecasts we see in economic reports and market analyses in the news and reports seem certain, authoritative, and unarguable.

Built on large data sets that are analyzed with widely accepted theories and tools, economic and financial evidence have become hugely influential in governance and business—so much so that more qualitative approaches have been sidelined.

Even political economy, the original economics, has been pushed away in favor of what’s now called ‘evidence-based decision-making’. The presumption is that numerical data is the only solid information, and that the analytical tools used in economic and market analysis are reliable.

Of course, as we know now, this faith in economic evidence can be dangerous. As markets crashed around the world during the global financial crisis of 2007–2008, confidence in all kinds of quantitative modeling crashed with them. It became evident that society’s shepherds were not to be found in the financial industry. Economics and finance need to be more skeptical about their evidence if they are to serve society well. What can be done?

Read this blog post on the EPIC website