Why you should get paid for your data | Jennifer Zhu Scott

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I grew up in the late '70s in rural China, during the final years of my country's pursuit of absolute equality at the expense of liberty. At that time, everybody had a job, but everyone was struggling. In the early '80s, my dad was an electrician, and my mom worked two shifts in the local hospital. But still, we didn't have enough food, and our living conditions were dismal. We were undoubtedly equal. We were equally poor. The state owned everything. We owned nothing. The story I'm going to share with you is about my struggles of overcoming adversity with my resilience, grit and sheer determination. No, I'm just kidding. I'm not going to do that to you. Instead, instead, I am going to tell you, talk about today is about a new form of collective poverty that many of us don't recognize and urgently need to be understood. I'm sure you've noticed that in the past 20 years, that asset has emerged. It's been generating wealth at a breakneck pace. As a tool, it has brought businesses deep customer insights, operational efficiency and enormous top-line growth. But for some, it has also provided device to manipulate a democratic election or perform surveillance for profit or political purposes. What is this miracle asset? You've guessed it. It's data. 7 out of top 10 most valuable companies in the world are tech companies that either directly generate profit from data or are empowered by data from the core. Multiple surveys show that vast majority of business decision-makers regard data as essential assets for success. We have all experienced how data is shifting this major paradigm shift for our personal, economic and political lives. Whoever owns the data owns the future. But who's producing data? We're all producing data. Yes. It is estimated that by 2030, 10 years from now, there will be about 125 billion connected devices in the world. That's on average about 15 devices per person. We're already producing data every day. We'll be producing exponentially more. Google, Facebook and Tencent's combined revenue in 2018 was $236 billion. Now, how many of you have received payment from them for the data you generate for them? None, right? Data has immense value, but is centrally controlled and owned. You are all walking raw materials for those large data companies, but none of you are paid. Not only that, you're not even considered as part of this equation for income. So once again, we are undoubtedly equal. We are equally poor. Somebody else owns everything, and we own nothing. Sounds familiar, doesn't it? So what should we do? There might be some clues in how my life turned out after that difficult start. Things began to look up for my family in the '80s. The system evolved, and people began to be allowed to own a piece of what we created. People diving to the ocean, or "sha hai," the Chinese term described those who left state-owned enterprise jobs and started their own businesses. Private ownership of a business became personal ownership of cars, properties, food, clothes and things. The economic machine started rolling, and people's lives began to improve. For the first time, to get rich was glorious. So in the '90s, when I went to study in Chengdu, In West China, many young individuals like myself were well-positioned to take advantage of the new system. After I graduated from my university, I cofounded my first business and moved to Shenzhen, the brand-new special economic zone that used to be a fishing village. 20 years later, Shenzhen has become a global innovation powerhouse. Private ownership was a form of liberty we didn't have before. It created unprecedented opportunities for generations, motivating us to work and study incredibly hard. The result was that more than 850 million people rose out of poverty. According to the World Bank, China's extreme poverty rate in 1981, when I was a little kid, was 88%. By 2015, 0.7%. I am a product of that success, and I'm very happy to share that today I have my own AI business, and I lead a very worldly and dynamic life, a path that was unimaginable when I was a kid in West China. Of course, this prosperity came with a trade-off with equality, the environment and freedom. And obviously, I'm not here to argue that China has it all figured out. We haven't. Nor that data is fully comparable to physical assets. It is not. But my life experience allowed me to see what's hiding in plain sight. Currently, the public discourse is so focused on the regulatory and privacy issue when it comes to data ownership. But I want to ask, What if we look at data ownership in a completely different way? What if data ownership is, in fact, a personal, individual and economic issue? What if in the new digital economy, we are allowed to own a piece of what we create and give people the liberty of private data ownership? The legal concept of ownership is when you can possess, use, gift, pass on, destroy or trade it or sell it, your asset, at a price accepted by you. What if we give that same definition to individuals' data? So individuals can use or destroy our data, or we trade it at our chosen price. Now I know some of you might say, "I would never, ever." trade my data for any amount of money. But that, let me remind you, is exactly what you're doing now, except you're giving your data away for free. Plus, privacy is a very personal and nuanced issue. You might have the privilege to prioritize your privacy over money, but for millions of small business owners in China who can't get bank loans easily, using their data to gain rapid loan approval from AI-powered lenders can answer their more pressing needs. What's private to you is different from what's private to others. What's private to you now is different from what was private when you were in college, or at least I hope so. We are always, although often subconsciously, making such trade-offs based on our diverse personal beliefs and life priorities. That is why data ownership will be incomplete without pricing power. By assigning pricing power to individuals, we gain a tool to reflect our personal and nuanced preferences. So for example, you could choose to donate your data for free if contribution to a particular medical research that's very meaningful for you. Or if we have the tools to set our behavior data at a price of, say, $100,000, I doubt any political group will be able to target and manipulate your vote. You control, you decide. Now, I know this sounds probably implausible, but trends are already pointing to a growing and very powerful individual data ownership movement. First, startups are already creating tools to allow us to take back some control. A new browser called, Brave empowers users with Brave Shield— they literally call it that— by aggressively blocking data-grabbing ads and trackers and avoid leaking data like other browsers. In return, users can take back some bargaining and pricing power. When users opt in to accept ads, Brave rewards users with Basic Attention Token that can redeem content behind paywalls. From publishers. And I've been using Brave for a few months. You have already blocked more than 200,000 ads and trackers and saved hours of my time. Now I know some of you interact with your browser more than with your partners, so you should at least find one that doesn't waste your time and is not creepy. Do you think Google is indispensable? Think again. A search engine is indispensable. Google just has the monopoly, for now. A search engine called.dotgo doesn't store your personal information or follow you around with ads or track your personal browsing history. Instead, it gives all the users the same search result instead of based on your personal browsing records. In London, a company called Digime offers an app you can download on your smartphone that helps to import and consolidate your data generated by you from your Fitbit, Spotify, social media accounts. And you can choose where to store your data, and Digime will help you to make your data work for you by providing insights that used to be exclusively accessible by large data companies. In DC, a new initiative called UBDI, U-B-D-I, Universal Basic Data Income, helps people to make money by sharing anonymous insights through their data for companies that can use for market research. And whenever a company purchases a study, users get paid in cash and UBDI points to track their contribution, potentially as much as $1,000 per year, per their estimation. UBDI could be a very feasible path for universal basic income in the AI economy. Further, individual awareness of privacy and data ownership is growing fast as we all become aware of this monster we have unleashed in our pockets. I'm a mother of two preteen girls. And trust me, the single biggest source of stress and anxiety as a parent, for me, is my children's relationship with technology. My husband and I make them sign a 3-page agreement before they receive their first agreement. We want to help them to become digital citizens, but— only if we can make them become smart and responsible ones. I help them to understand what kind of data should never be shared. So if you Google me— in fact, actually, sorry, if you.go me— you will find maybe a lot about me and my work, but you may find no information about my daughters. When they grow up, if they want to put themselves out there, it's their choice, not mine. Despite, I insist, they are the most beautiful, smartest and most extraordinary kids in the world, of course. And I know many people are having similar conversations and making similar decisions, which gives me hope that a truly smart, data-rich future will be here soon. But I want to highlight clause 6 of this agreement. It says, "I will never ever search any information online if—" "¿Qué si yo fuera un hombre?" I will be embarrassed, seen by Grandma Donny. Try it, it's really effective. Throughout history, there has always been a trade-off between liberty and equality in the pursuit of prosperity. The world has constantly gone through the circle of wealth accumulation to wealth redistribution. As the tension between haves and have-nots breaks in so many countries, it is in everyone's interest, including the large data companies, to prevent this new form of inequality. Of course, individual data ownership is not the perfect nor the complete answer to this profoundly complex question of what makes a good digital society. But according to McKinsey, AI will add $13 trillion US economic output in the next 10 years. Data generated by individuals will no doubt contribute to this enormous growth. Shouldn't we at least consider an economic model that empowers the people? And if private ownership helped to lift more than 850 million people out of poverty, It is in our duty, and we owe it for future generations, to create a more inclusive AI economy that will empower the people in addition to businesses. Thank you.

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With no fees or minimums on checking accounts, it's no wonder the Capital One Bank Guy is so passionate about banking with Capital One. If he were here, he wouldn't just tell you about no fees or minimums. He'd also talk about how most Capital One Cafés are open 7 days a week to assist with your banking needs. Yep, even on weekends. It's pretty much all he talks about, in a good way. What's in your wallet? Terms apply. See capitalone.com/bank. Capital One NA, member FDIC.