At a time when the potential of the internet for economic and social benefit seems boundless, major issues loom that could affect the ability of billions of people – 96 % of them in emerging markets – to get connected and participate fully in the digital economy. The Digital Infrastructure Report, explores these issues in depth.
The report, written in collaboration with the Boston Consulting Group, argues that emerging markets face two broad issues in providing affordable internet access: building network capacity and expanding network coverage, including a critical and urgent need for more spectrum to be released and allocated to mobile usage. Encouraging broader internet usage, particularly in emerging markets, is also critical to bringing more people online.
The Digital Infrastructure Report also points out that the changing nature of consumer and business usage and the rise of the Internet of Things will have a significant impact on network infrastructure needs in developed and emerging markets. It argues that governments should support policies that encourage network investments to meet future traffic growth, including removing barriers to the roll-out of low-cost technologies such as small cells, experimentation with new commercial pricing models and the rationalization of legacy regulations.
“The technologies exist to help resolve several of these issues, but some are hampered by out-of-date policies, legislation and regulations,” said Bruce Weinelt, Director, Head of Telecommunication Industry, World Economic Forum. “There is a need for rationalization of legacy regulation, as well as experimentation with new commercial pricing models that can fund network investments without harming competition.”
As more of the world’s population migrates to urban centres, the development of “smart cities” requires the planning and deploying of ICT infrastructure. More than 1 billion people will move to cities over the next 15 years – about 360 new cities with populations of 500,000 or more will be created – mostly in developing markets. Governments need to set smart-city policies. These include determining targets for long-term investments in a city’s digital infrastructure and driving greater citizen engagement, and allowing industry to focus on the execution of the policies and deciding where the best returns on investment lie.
“Governments in emerging economies have been determining the specifics of their broadband access aspirations. This assessment should help to develop a country-specific operating and funding approach, one that is technology agnostic, provides incentives for investment and allows experimentation,” said Sunil Bharti Mittal, Founder and Chairman, Bharti Enterprises. “Countries could learn from the different models being used to connect the economically unviable regions.”
As digital technologies become more pervasive in everyday life, there is a growing need to unlock consumer and industry value by removing frictions that prevent users from transporting and accessing their data, particularly their personal data and digital identities, while continuing to respect user privacy.
How to Design Responsible Technology
Biased algorithms and noninclusive data sets are contributing to a growing ‘techlash’ around the world. Today, the World Economic Forum, the international organisation for public-private cooperation has released a new approach to help governments and businesses counter these growing societal risks.
The Responsible Use of Technology report provides a step-by-step framework for companies and governments to pin point where and how they can integrate ethics and human rights-based approaches into innovation. Key questions and actions guide organizations through each phase of a technology’s development process and highlight what can be done and when to help organizations mitigate unethical practices. Notably, the framework can be applied on technology in the ‘final’ use and application phase, empowering users to play an active role in advocating for policies, laws and regulations that address societal risks.
The guide was co-designed by industry leaders from civil society, international organizations and businesses including BSR, the Markkula Centre for Applied Ethics, the United Nation’s Office of the High Commissioner for Human Rights, Microsoft, Uber, Salesforce, IDEO, Deloitte, Omidyar Network and Workday. The team examined national technology strategies, international business programmes and ethical task forces from around the world, combining lessons learned with local expertise to develop a guide that would be inclusive across different cultures.
“Numerous government and large technology companies around the world have announced strategies for managing emerging technologies,” said Pablo Quintanilla, Fellow at the World Economic Forum, and Director in the Office of Innovation, Salesforce. “This project presents an opportunity for companies, national governments, civil society organizations, and consumers to teach and to learn from each other how to better build and deploy ethically-sound technology. Having an inclusive vision requires collaboration across all global stakeholders.”
“We need to apply ethics and human rights-based approaches to every phase in the lifecycle of technology – from design and development by technology companies through to the end use and application by companies across a range of industries,” said Hannah Darnton, Programme Manager, BSR. “Through this paper, we hope to advance the conversation of distributed responsibility and appropriate action across the whole value chain of actors.”
“Here, we can draw from lessons learned from companies’ efforts to implement ‘privacy and security by design,” said Sabrina Ross, Global Head of Marketplace Policy, Uber. “Operationalizing responsible design requires leveraging a shared framework and building it into the right parts of each company’s process, culture and commitments. At Uber, we’ve baked five principles into our product development process so that our marketplace design remains consistent with and accountable to these principles.”
This report is part of the World Economic Forum’s Responsible Development, Deployment and Use of Technology project. It is the first in a series tackling the topic of technology governance. It will help inform the key themes at the Forum’s Global Technology Governance Summit in San Francisco in April 2020. The project team will work across industries to produce a more detailed suite of implementation tools for organizations to help companies promote and train their own ‘ethical champions’. The steering committee now in place will codesign the next steps with the project team, building on the input already received from global stakeholders in Africa, Asia, Europe, North America and South America.
The Centre for the Fourth Industrial Revolution Network brings together more than 100 governments, businesses, start-ups, international organizations, members of civil society and world-renown experts to co-design and pilot innovative approaches to the policy and governance of technology. Teams in Colombia, China, India, Israel, Japan, UAE and US are creating human-centred and agile policies to be piloted by policy-makers and legislators, shaping the future of emerging technology in ways that maximize their benefits and minimize their risks. More than 40 projects are in progress across six areas: artificial intelligence, autonomous mobility, blockchain, data policy, drones and the internet of things.
The Network helped Rwanda write the world’s first agile aviation regulation for drones and is scaling this up throughout Africa and Asia. It also developed actionable governance toolkits for corporate executives on blockchain and artificial intelligence, co-designed the first-ever Industrial IoT (IIoT) Safety and Security Protocol and created a personal data policy framework with the UAE.
Digitally shaping a greener world
Women were not allowed on map-making ship voyages until the 1960s—it was believed that they would bring bad luck. Spanish nuns made maps in the 10th century.
The first A-Z street map of London was created after one woman got lost on her way home from a party, then woke up every day at 5 a.m. to chart the city’s 23,000 streets.
As it turns out, women have always contributed to the drawing of maps despite hurdles.
This puts Molly Burhans, founder of GoodLands, in good company. For the first time in history, she is setting out to digitally map the land assets of one of the world’s largest land-owners—the Catholic Church.
The journey has been spiritual. Instead of becoming a nun, she decided to pursue digital mapping instead. “Our work is grounded in science, driven by design and inspired by values of stewardship and charity,” she explains.
It all started when a course in biological illustration turned into a fascination with how everything fits together.
“You can’t do surgery unless you’ve studied human anatomy—and you can’t really do sound environmental work unless you’ve mapped the environment and landscape, and can visualize it,” she explains.
She was introduced to digital mapping by Dana Tomlin, the originator or Map Algebra and Geographic Information Systems professor at the University of Pennsylvania and Yale University. When she visited the Vatican in 2016, it got her thinking.
“The Vatican has the most fantastic maps I’ve ever seen,” she said. “White, gold, platinum frescoes flanked the doors. I thought they must have the most incredible land datasets anywhere in the world.”
The Vatican is the smallest state in the world, and its biggest land owner. There are 250,000 Catholic-affiliated parishes, orphanages, community centers and retreat monasteries around the world, reaching an estimated 57.6 million people globally.
It is also the world’s largest non-government health care provider. The Pontifical Council for the Pastoral Care of Health Care workers estimates that around 26 per cent of healthcare facilities are operated by the Roman Catholic Church.
Iyad Abumoghli, Principal Coordinator of UN Environment Programme’s Faith for Earth Initiative, said:
“Globally, faith-based organizations own 8 per cent of habitable land on the surface of the earth and 5 per cent of all commercial forests. There are around 37 million churches and 3.6 million mosques around the world.
“Burhans’ work supports UNEP’s Faith for Earth Initiative to harness the socio-economic power of faith-based organizations, where preaching meets practice.
“Mapping faith-owned assets will contribute to strategically employ faith values in managing them, ultimately leading to fighting climate change and curbing ecosystem degradation.”
Fear of the unknown
Burhans reflects: “Why not leverage this network for environmental good?”
But then the hurdle hit. The data wasn’t digital. In fact—it wasn’t even there.
“None of the land had been digitally mapped. I was surprised – this was bigger than I’d realized. We can’t manage property without foundational data—never mind ecosystem restoration. So, I just kept going to find the data.”
When she confirmed that data did not exist, Burhans asked the Holy See for permission to create the first comprehensive global digital data map of the Catholic Church’s footprint and people in history, working with a large team at mapping software company Esri, as Chief Cartographer.
Her mission: to help faith-based communities, such as religious orders, dioceses, and the Vatican to first understand what land assets they own. Next, figure out how to leverage those assets for ecosystem restoration on a scale parallel to its massive global health network.
The power of knowing
For Burhans, maps represent the power to shape our world for better health and environmental protection. “We dare to use land for environmental good. I can’t emphasize how important our surroundings and environment are,” she notes.
“Maps are just the tool, allowing us to capture complex information, from biodiversity to soil type, all in one place. If a picture is worth a thousand words, then a map is worth a million.”
“We can map where ecological failure might trigger heavy migration. Or, where sea level rise might force poor communities to move. We can see where more trees could cool hot cities; where green spaces could bring health benefits in areas with high respiratory problems.”
For Burhans, the potential of a large data hub capturing all this information across the church’s land portfolio is exciting—and unprecedented. It also has implications for all land owners and governments around the world.
Her team maps environmental, social and financial factors of a property portfolio. Centralizing information in one digital hub across sectors—health care, education, relief—could save tens of millions each year, she reflects.
She is also asking bigger questions: “How will artificial intelligence transform our world? How can we leverage land and religion to become the solution to our crises? We must be at the forefront of these issues.”
Mapping the church’s global footprint
Honing big data for environmental restoration is part of Burhans’ vision. Some of this is technical: bringing the Catholic Church into the digital area: “With relevancy, with the right information to roll out safety.”
But the vision is also about people. “We want to help people realize that mapping assets is vital to manage them responsibly. We cannot help the church improve its footprint if we don’t know what is has.”
“We all have different talents and gifts. Mine lean towards creating new technology and applying it to make land work for the greater good. That’s my vocation: to make sure that’s done—and done with integrity.”
Five New Technologies that Can Prevent Everything from Fraud to Future Financial Shocks
A new white paper, The Next Generation of Data Sharing in Financial Services, from the World Economic Forum has identified new technologies that banks and other financial institutions can implement for privacy-protected data-sharing between institutions. This data-sharing will enable broad analysis, which can be used to identify industry-wide risks and could even prevent future financial shocks.
Beyond system-wide benefits, these newly identified technologies, coined “privacy-enhancing techniques” can also use improved data-sharing to prevent fraud, offer financial advice, and much more. Privacy-enhancing techniques lessen the tensions underlying data-sharing. Instead of threatening customer privacy, this new wave of technology not only protects it but also enhances industry collaboration.
These five technologies include:
While new and novel for use in financial services, these technologies have existed within laboratories for years and are now ready for use in the real world of banking and other financial services. If harnessed, these tools could usher in a new, more collaborative, era of the sector on matters related to risk and product development.
“With advancing privacy-enhancing technologies, financial services have the ability to work more closely together on a range of important challenges and opportunities, from combating illicit financial transactions to identifying material risk exposures across institutions, to developing more personalized financial advice and products,” says Matthew Blake, Head of Financial and Monetary System Initiatives, World Economic Forum. “Privacy-enhancing techniques open a range of possibilities for enhanced risk management and financial innovation with benefits for customers, regulators and financial institutions alike.”
These technologies, used separately or in conjunction, greatly reduce the risks associated with data sharing and have the potential to fundamentally redefine the dynamics of data sharing in financial services. Opportunities from these technologies include the ability to:
· Better detect and prevent fraudulent activity: Federated analysis could be used to create shared fraud detection and prevention models across institutions without sharing the personally sensitive information about specific customers
· Identify system-wide risks and prevent financial crises: Secure multi-party computation could be used to conduct aggregate analysis on financial institutions’ risk exposures without breaching their institutional competitive secrets, allowing for an advance warning on systemic risks and exposures such as those that led to the 2008 financial crisis
· Enable new forms of personalized digital advice: Leveraging differential privacy in the analysis of transactions across an institution’s customer base could enable sophisticated and specific “people like you” recommendations without exposing individual customers’ spending habits
· And more, as explored in The Next Generation of Data Sharing in Financial Services
One of the key learnings from the financial crisis was that system-wide risk exposures were not properly quantified and understood by enterprises as well as financial supervisors. This was partly due to inadequate management information systems that did a poor job of aggregating risk exposures across institutions as well as too narrow a focus by supervisors on the risk of individual financial firms rather than the interconnections between institutions and the broader system.
Competitive dynamics also played a part; it is perilous for a financial institution to make explicit its risk exposures because other actors may take advantage and profit from that level of transparency. Enter privacy-enhancing techniques, which make sharing granular information across institutions possible – allowing for transparency without unveiling too much, presenting new possibilities for collaboration between institutions, supervisors and customers.
“It is important to note that these technologies are not a magic wand. Using them requires financial institutions to address surrounding issues such as poor data quality, legal uncertainties and siloed data infrastructures,” says Bob Contri, Principal, Deloitte United States; Global Financial Services Industry Leader. “However, addressing these roadblocks and using privacy-enhancing techniques can propel the financial services industry into a new era of collaboration and value delivery.”
According to the World Economic Forum, financial services executives should take a concerted look at these new techniques and where they might best be deployed. Bringing these technologies into practice will require a degree of experimentation and technological expertise. Nonetheless, the benefits of widescale adoption are clear and speak to greater alignment and action among key stakeholders on issues of systemic importance.
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