Showing posts with label Digital economy. Show all posts
Showing posts with label Digital economy. Show all posts

Digital economy and the General Election


There’s an infuriating gap in the coverage of this election. It lies between the idea that “the internet has changed everything” and any detail of what might have happened on the internet. This gap has been filled with a bit of noise about Facebook ads and echo-chamber Twitter feeds.
But, in fact, civic tech is a real thing, featuring real people, with real technical expertise, trying to hack around every democratic deficiency. They are trying to tackle everything from a sheer lack of easily accessible information to the shortcomings of the first-past-the-post system. They don’t just exist. A lot of them exist in the same building: Newspeak House in east London. It’s a “community space for political technologists” according to its founder, 32-year-old Ed Saperia. In practice, that means that it looks like a Silicon Valley startup – exposed concrete, free-flowing nachos, a pool table.
Tom de Grunwald is working on a vote-swapping website, SwapMyVote, which is “trying to hack the problem of first-past-the-post”. “Look,” he explains, “this isn’t working at all. In 2015, 74.4% of votes were wasted [they weren’t cast for the eventual winners]. It causes so many problems, from voter apathy to the difficulty of setting up new parties. Even the fact that we never argued with Ukip properly because people took it for granted that they were just extremists who would never cut through. If they had been getting the seats that reflected their popularity, we would have been arguing with them for 10 or 15 years by now.”
These civic tech entrepreneurs are not happy with the old-school duality that we know something is broken but accept it as completely normal. “Everyone here is used to iterating very quickly. If the product isn’t working, you change the product to make it work.”
I first came here two weeks ago to interview a Bernie Sanders campaigner, thinking it was just a hot-desking space, and noticed a few things: phrases such as “electoral data” uttered with a rare enthusiasm, open-ended questions along the lines of “what if we took the progressive alliance concept and applied it not just to voting, but to campaigning? Could we build an app for that?”
Some people, in groups of twos and threes, were working on a political matchmaking website (you say what ideas or policies you agree with, and it matches you to a candidate). Others were campaigning for online voting; some just building a centralised list of candidates, something that, remarkably, the government doesn’t do. Some were fighting education cuts, some were pushing voter registration, some were fighting fake news. There was a lot of cross-pollination, and a palpable sense of possibility.
On that first visit, I sidled over to Sym Roe from Democracy Club, who I had come across during the EU referendum, when he was building a polling-station-finder tool. “Can you give me five minutes?” he asks, with anxious courtesy. “I think we’re just about to solve something.” This, in the scheme of the 2017 election fly-on-the-walling, is not something I have heard anywhere else.
James Moulding, 24, is a political analyst at Crowdpac, the Steve Hilton/Paul Hilder cross-Atlantic project that crowdfunds for candidates and campaigns. Independently from that, he has cocreated an air-quality-monitoring startup and is working on how you would crowdsource a manifesto. The latter technique has been employed by Spanish anti-austerity party Podemos, but the example the techies all use is Taiwan, where the government does real-time consultation with its citizens using the pol.is platform. This, incidentally, was Ed Saperia’s driving motivation in setting up Newspeak; the realisation that “all the parties right now are faking it. They are putting together platforms that they hope some people will support, rather than finding ways for their policies to be cocreated.”
Moulding’s core business today is a computer game modelled on the French socialist candidate Jean-Luc Mélenchon’s Fiscal Kombat, in which a French president shakes bankers until money comes out of them. Moulding’s version, Corbyn Run, is better. A man runs past. “Why is he sweating?” I ask. “Because he’s a bureaucrat. Also, he’s running.” Corbyn catches him, shakes the money out of his pockets and then does the same to a few bankers. “It’s made by Labour party members,” he says sternly, “not the Labour party.” This mix of activity – some shallow, some profound, some fun, some not fun at all (there is nothing playful about creating mobile sensor networks to produce air quality data) is typical, though everything is marked by a sense of urgency.
“Elections are not really mostly what we think about, here,” Saperia says. “The thing that’s fascinated me, for as long as I can remember, is how humans can successfully interact at scale; in a way that we think is good and meaningful. If you wanted to have a conversation with 10,000 people, how could you do that? Wikipedia is a really good example of thousands of people creating something great, through communicating. Whereas Facebook is quite atomising; everyone sticks to their small groups.”
In 2014, he was asked by the Green party for digital help with their membership surge. He had never previously been interested in party politics. “That’s when I realised that this whole political ecosystem is not functioning very well.” He made a diagram of civil society: one-third education, media, journalism and academia; one-third civil service, local authorities, government, parliament; and one-third unions, activists, party members, campaigners.
“A lot of these people don’t know each other. I thought: what this space needs is some community building.” These networks in Newspeak are very noticeable – lots of the people have links in the electoral commission, or in the Government Digital Service (GDS), or have only just resigned from the civil service.
The election has sharpened everybody’s focus. Jeremy Evans, 25, and Matt Morley, 22, usually run the “fact-card” startup explaain.com, but have given themselves full-time to GE2017.com. The site pushed voter registration with a tool for students, where they could check which constituency – home or college – their vote would make the most difference in. It came up with Vauxhall as a potential swing between Labour and the Liberal Democrats, something that didn’t show up in any polling I had seen. “We’ve got an algorithm that takes in many factors, including betting odds.” “Where do you get those?” “We scrape data from … actually, I can’t tell you that.”
Morley and Evans can tell me how many people landed on the registration page – 100,000 – and how many clicked on the link – 72% – but “beyond sending the link, we have no idea. Only the GDS has that information,” Evans says. “The government gateway was tedious; [it] put people off [and] made them think they needed their national insurance number when they didn’t.”
Now the registration deadline has passed, GE2017 has moved on, with a quiz that matches you to a party, not unlike Crowdpac’s matchmaker quiz. “Fragmentation is one of the problems we wanted to solve. There were about six or seven who-should-I-vote-for? apps at the last election, all of them got between 100,000 and a million hits. We spoke to the Electoral Commission about having a state-sponsored app – they have one in Germany. We wanted to make it semi-official, get everyone under one roof, build a really, really good one.” Events overtook them, and there wasn’t time. Once you have done your quiz, there are a couple of telling links: a link to a longer quiz; a link to SwapMyVote; a link to how to spoil your ballot. “Most people think you can just draw a cock, but it won’t be included in the official results unless you do a straight line through all the candidates. Even now, Matt and I aren’t completely clear on it. He thought you did a line through the page on the left, and I thought you did it through the candidates. It’s amazing how difficult it is to find this information.” I’m still not clear on whether you can draw a line and then draw a cock.
Across the desk, Areeq Chowdhury, 24, is working single-handedly on WebRoots Democracy, which started as a campaign for online voting but has evolved into a thinktank “covering the use of personal data, fake news, e-petitions, voter advice applications”. His own evolution (not counting the one that brought him here, having studied economics and political science, through KMPG, into the civil service, which he quit a month ago) is interesting. It started as the glaring answer to how to get young people to vote, but “it soon became clear that the main beneficiaries would be disabled people, those who were bedridden, or with very limited vision. The Royal National Institute of Blind People estimated that 1.4 million people struggled to vote in 2015. They do it with braille, but a lot of people don’t read braille any more.”
Newspeak runs fellowships, one of whom is Sophie Chesney, 26. She is studying for a PhD in computer science at Queen Mary and her field is “natural language processing – specifically, I’m looking at the automatic detection of misleading headlines”. It sounds like, if it came off, an algorithm for the discovery of fake news, but she chooses her words carefully and makes no outlandish claims. “If the text is making an exaggerating claim, that may be linked to a negative sentiment. But I’m not at the moment experimentally ready to show that.”
Democracy Club has been running since 2009, set up by Sym Roe and Joe Mitchell. It is run on no money: Roe does six months contracting as a software engineer, then six months unpaid for Democracy Club. “A lot of people here are doing really cool stuff, but we’re doing the boring bits: aggregation work, creating data that is open for everyone to use.” He is doing a centralised list of candidates, and “for the 2016 and 2017 local elections, we created a database of all 16,000 candidates, and all of that was open data.” They have partnered with the Electoral Commission, and had support from Google and Twitter. The work does sound quite boring but incredibly good for amassing contacts. “I was working in digital government, for the DWP and the Ministry of Justice. A lot of it is knowing the way the civil service works. Also, being a white, middle-class man who works as a software developer. That helps.”
As we are speaking, something interrupts my vision from the left, and a man who looks like a Stone Roses fan is crouched on the floor, with his arms reaching up to Roe’s keyboard. This, it transpires later, is Michael Smethurst from the Parliamentary Digital Service. Along with Anya Somerville, a parliamentary librarian, and Ben Woodhams, who originally worked for Hansard and “slid into change management”, Smethurst is engaged in trying to make the parliamentary website more functional; they come into Newspeak House periodically. “We can’t really editorialise parliament, it’s not our job. There might be 500 statutory instruments of which two are of any interest. It’s not our job to pick out those two.” Yet any meaningful access to democracy requires that the citizen can navigate the terrain. These mini institutions – whether Democracy Club or mySociety (which created the seamlessly influential TheyWorkForYou.com) – collate, editorialise, create digital order for the public good. The more transparent and accessible democracy is, the more obvious it is which bits could be better. It’s like sitting in on the meeting where they invented dentistry, or clean water: kind of obvious, kind of earth-shattering, kind of tedious, kind of magical.

Apps for business

From Google Drive, which helps with organising files online, to Slack, an online messaging platform, there are lots of tools and services to help small businesses function faster and more efficiently. Mobile apps can help while on the move as well.

Whether you need help managing your social accounts or greater control of an overflowing inbox, there’s an app to suit. But which one is right for you and your business?

Take charge of social media

Businesses that are active on social media, but don’t have time to constantly update lots of accounts may find If This Then That (IFTTT) a big help. It has been a handy tool for Cassian Horowitz, co-founder of The Clerkenwell Brothers agency, which works with start-ups.
The desktop and mobile app allows users to set up automated triggers – called “applets” – between social accounts and online services. When the first event occurs, a second is automatically triggered.

Some triggers are basic. For example, when an Instagram photo is uploaded, the tool will automatically post it as a full image to a Twitter account page.

It can also help with other functions, such as sharing the performance of your most recent newsletter with the marketing team or tracking work hours in Google Calendar.
“It’s easy to use and free,” says Mr Horowitz. “As more aspects of our lives move online – calendars, contacts, shopping and so on – the potential for saving time and money through this tool will increase.”

Turn a lead into a sale

For companies that handle several clients at a time, sales management tool, Pipedrive (an Android and iOS app) allows project files to be accessed by lots of people. Clara Vaisse, co-founder of drinks company, Sibberi, says it keeps all of the company’s client prospects in one place and moves qualified leads through the sales funnel, from idea to winning the sale.
“Since we’re a drinks company, virtually any place could be a potential client of ours – large retail chains, gyms, offices and so on,” she says. “The number of opportunities is exciting, but it can be overwhelming for a small team.”

PipeDrive automatically logs all calls and emails with potential clients, integrates with mobile and automatically reminds users to follow up leads when the time comes. It also creates data sets for analytics. “We realised, for example, that canteens required twice as many follow-up calls than health stores, but fewer meetings in person,” she adds.
The introductory silver package starts at $10 (£8) per month, per user.

Keep security simple

To keep social media and email accounts secure, the LastPass password management tool can help reduce the time and stress of logging in to lots of different accounts.
Alina Cincan, managing director of translation company, Inbox Translation, says that the tool (a web browser extension and a mobile app for Android and iOS) streamlines the process of logging into various online services by creating a central, secure LastPass account that houses all the passwords you need. It also saves the details of each account so that you don’t have to fill them in manually next time.

“It generates very complex passwords that will satisfy any requirement,” says Ms Cincan “All I have to do is press a button and I’m securely logged in [to my Twitter account, for example].”

The app has a free version offering basic features, but charges a monthly fee for premium and business accounts.

Make the most of lists

Running your own business is a tricky balancing act between work and personal life. For Doug Monro, co-founder of job search engine, Adzuna, the organisation app Workflowy (a web app and mobile app for Android and iOS) helped him organise his business and personal commitments. The app is intended to help multi-tasking professionals keep track of important tasks through to-do lists.

"It has helped me stay on top of all the tasks involved in running a growing business,” he explains. “By allowing users to compile and group to-do lists, it helps me keep track of what I need to do next, short and long term.” Mr Monro adds that it’s simple to use and scalable.
When taking on the management of a new team, the app helped him to balance the demands of several new direct reports with his existing workload. It also helped him navigate a house move while managing his small business.

“Apps such as this are useful. It’s clearly designed, free to download and can be used wherever you are in the world,” he adds.

Read more


I didn't know carrots grew on trees!

Autumn term is just under two weeks away, so we’re launching a series of blogs to help you get back into the swing of things. This includes lifestyle features, wellbeing advice and comment pieces, as well as blogs offering practical resources and tips for the new year. 

You can follow everything we do via our hashtag #teachersback. We’ve also made a short animation, below, based on a call out we made a few weeks ago for teachers to tell us the funny things students say to them. Lorna Page, from Pipers Corner school in Buckinghamshire, got in touch to tell us that on a recent ski trip, a pupil looked at a tree with pine cones on it, and exclaimed, “I didn’t know carrots grew on trees?”

Read more

Mark Carney: internet-only lenders pose risk to UK financial system

The Bank of England governor has warned that a new breed of internet-only lenders are beginning to pose risks to the financial system and without tighter regulation they could trigger the next financial crash.
Mark Carney said high street banks were being displaced by online lenders that were untested in a recession, when bankruptcies might make their loans worthless.
Cyber-attacks could also strip customers of digital money, leaving them to face huge losses without the traditional protection offered by regulators, he said.
The warning follows a speech last year by Adair Turner, the former chief financial regulator, who said losses on loans made over the internet could make the worst bankers look like “lending geniuses”.
Speaking at a conference in Germany, Carney said digital money held out the prospect of allowing millions of people excluded from the mainstream banking system to access loans securely. 

Threadneedle Street has several initiatives under way to allow peer-to-peer online lenders access to central bank funds and facilitate transactions.
But he expected the authorities “to pursue a more intense focus” on financial regulations, lending rules “and a more disciplined management of operational and cyber risks” as the price of the industry’s growing influence.

In the UK, about 14% of new lending last year to small and medium-sized businesses was by so-called fintech lenders, which typically offer loans with funds provided directly by investors.

He likened the growth in recent months to the explosion in securitised loans used by banks such as Northern Rock before the 2008 financial crash.

“It is not clear the extent to which P2P lending can grow without business models evolving in ways that introduce conventional risks. Were these changes to occur, regulators would be expected to address such emerging vulnerabilities,” he said.
The UK is expected to become a global leader in online lending, putting pressure on the Bank to adopt regulations that protect customers without stifling a still young industry.

Read more

Xmas adverts

Here's a couple....







 

 

Impact of digital economy on markets and firms....

                                                                                                                                                                                                                                                                                                                                                                                                                                         Let's start off with a link....                                                                                                                                                

Impact on small businesses....

The business impact of the digital economy

Purplebricks.....